Superannuation, Geelong

CD&G Accountants provide expert advice for individuals, partnerships, trusts and companies on superannuation and self-managed superannuation funds (SMSFs).

For many people, a hands-on approach is their preferred approach to investment. An SMSF is the most common way to take that control. Of course, with added control comes more responsibility and workload. CD&G Accountants have CPA to assist you with the set up and structuring of your SMSF in Geelong, as well as the best SMSF strategies to ensure you get the best possible results from your fund.

SMSFs offer a number of real advantages

These include:

  • Greater control over investments

One of the key benefits of a self-managed super fund is that there is much greater choice and control over investments when compared with commercial super funds. For example, direct shares, direct property, artwork etc. can all be included.

  • Lower fees and costs than retail and industry funds

For many, the cost of running an SMSF can be substantially lower than the cost of being a part of a retail, industry or another commercial superannuation fund.

  • Manage up to four members’ superannuation in one SMSF

  • Being able to transfer assets from your personal name to an SMSF

ASX-listed shares or commercial property can be transferred to your SMSF.

  • Better control over the tax position of the fund

Whether through strategic investment planning or internal structuring, tax can be significantly reduced. This is particularly the case if you are in retirement.

  • Estate planning benefits with significant tax efficiency

There are fantastic estate planning benefits in SMSFs. This is of particular importance as it is a little-known fact that your Will does not always control your superannuation benefits. An SMSF can give you back that control, and as your SMSF accountant, we are able to advise you on just how this can be done.

Our other services include:

CD&G Accountants are your local Geelong SMSF accountant that you can rely on.

Annual Accounting

If you run a self-managed superannuation fund (SMSF), you must appoint an auditor when the fund is established, and your auditor must also be an ASIC-approved SMSF auditor. Geelong’s CD&G Accountants will help you get the best from your self-managed super fund and our consultants are market leaders in SMSF auditing, accounting and administration and…

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When you have a SMSF, there are various superannuation rules that must be complied with in order to be eligible for concessional tax rates and other benefits. CD&G Accountants in Geelong have the expertise to assist you in understanding the SMSF rules so that you and your fund are not exposed to any unnecessary risk….

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Contributions and Pensions

The transition to retirement is not always a straightforward one for clients in Geelong. Superannuation and pensions is a major part of any retirement planning, and, for many, their superannuation is held in a self-managed superannuation fund (SMSF). Before you make superannuation contributions or consider establishing a pension from your SMSF, you need to be…

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CD&G Accountants assist our clients with tax advice on their investments. We have particular expertise in tax and compliance advice for SMSF investments, including the three most popular investment areas for SMSF trustees – shares, cash/term deposits and direct property which includes Australian property investment and US property investment. Self-managed super funds can also invest…

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Set-up and structuring

If you have undertaken considerable research on the viability of a self-managed superannuation fund (SMSF) for your circumstances, considered the advice of experts and now decided that an SMSF is the best vehicle for you to build and grow your wealth for retirement, your next step is your SMSF strategies and the set-up and structuring…

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Salary Sacrifice

Salary sacrificing income to your SMSF is a powerful strategy that can help you save tax and build your wealth for your transition to retirement in Geelong or elsewhere. Personal salary income is taxed at your marginal rate which could effectively be as high as 46.5 percent, whereas your SMSF only pays tax at a…

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