Self Managed Superannuation Fund (SMSF)

A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself, rather than relying on a public or retail super fund. It gives you greater control over how your super is invested and the ability to take advantage of tax concessions afforded to superannuation savings in Australia, but it comes with strict legal obligations and administrative requirements.

At FMS Group, our SMSF Advisory division helps individuals across the Central Coast and North Shore set up and manage their own super fund, ensuring compliance, strategic insight, and peace of mind every step of the way.

Why Consider an SMSF?

An SMSF gives you the ability to tailor your investments to suit your goals, risk tolerance, and values. Many clients are drawn to the investment control, flexibility, and tax planning opportunities they offer. An SMSF can be a powerful tool for wealth creation, estate planning, and personalised retirement strategies, but only if it’s set up and managed correctly.

With FMS Group, you’re not doing it alone. We’ll guide you through your options and responsibilities, so you can make informed decisions. We make the process simple and stress-free, so you can focus on what matters: building your retirement wealth.

Our SMSF Services

We cover the process from start to finish, let us help you take control of your financial future!

Establishment

Superannuation trust deed
Fund tax file application
Australian business number applications
ATO trustee declarations
Resolutions to establish a SMSF
Notice of election to become a regulated fund
Minutes and membership application forms
Notification of beneficiaries form
Rollover documentation
Tax invoice statement confirming your payment details

Ongoing

Pension set-up
Pension maintenance
Rollovers
Lump-sum withdrawals
Rollouts
Wind-ups
Change of trustee
Updating the trust deed
Changes to investment strategy
Minutes

Pay-as-you-go instalment payments and requests
Preparation of business activity statement (if required)
Payment of insurance
Requisition to settle payment requests
Segregation of fund assets

Is an SMSF Right for You?

SMSFs aren’t for everyone. They suit people who want greater control and are comfortable making investment decisions (with professional support). If you’re curious, FMS Group can help you weigh up the pros and cons, understand your obligations, and assess whether an SMSF aligns with your goals.

Testimonials

"FMS has provided 2 important financial services to me over the last few years – the first in guiding me through the accounting steps of running my own business, including paying quarterly GST and what I can claim as business expenses, and the second in finding me a very competitive investment property loan. Stella and James have always been helpful, courteous and friendly, and have educated me on some important tax matters along the way."

"Alicia has been our Accountant for several years now. We have always found her to be very efficient. She is always available to answer any questions that we may have. I would have no hesitation in recommending her to anyone."

"FMS is where the staff are always helpful, courteous and knowledgeable. We have had many years of excellent service as they have guided us towards retirement. They have gone out of their way to help us improve our financial situation. We feel like they are part of the family and care about the service they provide."

"The patience and understanding of Chris, Michelle and Leanne has helped me navigate my way through this new experience of managing my own finances. Just keep on doing what you’re doing!"

"I have had many Accountants over the years and after being totally fed up with my last Accountants ever increasing invoices and bad service I switched to FMS. Well I could not be happier. Stella is fast, efficient, honest, professional and on the ball. If you’re looking for a new Accountant to help with your super or finances I would call FMS and ask for Stella."

"All the professional people that I deal with at FMS regarding my superannuation and tax are very responsive to my needs in a very professional and courteous manner. It is always a pleasure to deal with people like these."

"We started working with FMS Group almost 12 months ago for our business Accounting. Stella has been very prompt, helpful & easy to deal with, our business has thrived & we truly believe Stella is a huge part of why! FMS Group are friendly & make everything so easy! Highly recommend them for any service."

"Couldn’t be happier with the service from FMS Group. Awesome, perfectly guided us through COVID-19."

"We have enjoyed a long and satisfying relationship with FMS as they have helped us achieve our financial goals. The staff at FMS are always helpful and friendly and, our Financial Planner – Nathan, has always acted professionally and with integrity. We are pleased to be part of the FMS group of clients."

“We have been dealing with Nathan at FMS Group for over 4 years. They have become very important to us due to the fact they look after our Major Asset. I deal with the Accountant and the Self-Funded Retirement teams. A very professional and friendly outfit. Wouldn’t hesitate to recommend their services.”