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WE. SMSF
Part of the Wealth Effect Group of Companies
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Welcome
Our mission is to empower and educate SMSF Trustees, Accountants, and Advisers. We understand that the self-managed super fund (SMSF) space is intricate and filled with complexities. Our goal is to demystify this landscape by providing clear, comprehensive education and support.
On our Insights page, we aim to provide valuable information and support whenever you need it. Our goal is to ensure you have the knowledge and confidence to make informed decisions about your financial future. Follow us, and we will guide you through the complexities of Self-Managed Super Funds (SMSFs), helping you unlock the full potential of your superannuation for your clients. Feel free to share this page with your friends, and don’t hesitate to reach out if you have any questions. We are always here to help.
We look forward to supporting you on your financial journey!
Andre Dirckze
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Purchasing Property Through an SMSF: Perspective for Professionals & Business Owners
The decision to purchase property through a Self‑Managed Super Fund (SMSF) requires careful thought. Not because it is inherently complex, but because the rules that govern what an SMSF may buy — and from whom — are strict, nuanced, and often misunderstood. This is reflected in investor behaviour. Despite Australians’ passion for property, the ATO continues to report that non‑residential property represents only a modest share of the total SMSF asset pool — a sign that many
Understanding the Bring‑Forward — A Technical Guide - July 1 2025
The upcoming increase in the Non‑Concessional Contribution (NCC) cap from $110,000 to $120,000 on 1 July 2025 introduces practical consequences for SMSF trustees—particularly those who have triggered or are considering triggering the bring‑forward arrangement. Below is a technical breakdown of how the contribution mechanics operate under the updated rules, including thresholds, timing interactions and edge‑case considerations. 1. NCC Rules From 1 July 2025 — Framework and Re
Division 296: Treasury’s Pre‑Christmas Drop and What It Means for SMSFs
Last Christmas brought more than leftovers and cricket — it also delivered Treasury’s draft legislation for the new Division 296 tax. True to form, the release landed on what was, for many of us in the profession, the last working day before the break. Now that the dust has settled, it’s worth taking a clear-eyed look at what was proposed, what’s changed, and what SMSF trustees and advisers need to prepare for. What Treasury Confirmed The Government didn’t deviate from the or
Case Study: How Two Doctors Used Their SMSF to Secure, Own, and Retire with a Commercial Property — Tax-Free
Pete and Joan , both experienced medical practitioners, recently undertook a strategic investment through their self-managed superannuation fund (SMSF) to purchase a commercial property for their expanding practice. With a combined SMSF balance of $500,000 , and now maximising their concessional contributions at $30,000 each per annum , they’ve created a structure that not only secures their business premises but also accelerates ownership and builds long-term retirement wea
Going for Gold: SMSFs, Bullion and the Rules that Govern Them
Self-managed super funds (SMSFs) have long promised greater investment freedom than traditional super funds. In recent years, that freedom has lured a growing number of SMSF trustees toward physical gold – coveted as a “safe haven” asset amid market uncertainty and inflation. With the SMSF sector now overseeing more than $891 billion in assets for over 1.1 million Australians, even a small allocation to gold can represent a significant sum. The appeal is clear: gold’s stor
Which SMSF Expenses Are Tax Deductible? A Trustee’s Guide
Running a self-managed super fund (SMSF) can be incredibly rewarding—but it also comes with a fair bit of admin. One area that often...
In-Specie Transfers Explained: A Case Study on Moving Shares to Your SMSF.
Smart Retirement Planning: Why John and Anne Are Moving Their Shares into Super As a financial adviser, I often sit down with clients who...
Why a Trading Company Should Not Act as Trustee of Your SMSF
Establishing a Self-Managed Superannuation Fund (SMSF) is a significant step in taking control of your retirement planning. One of the...
ATO's 2025 Focus: Key Points for SMSF Trustees
The Australian Taxation Office (ATO) has issued new guidance on auditor compliance for 2025, emphasising the critical role that SMSF...
Essential Guidelines for Claiming Tax Deductions on Personal Superannuation Contributions
Members who wish to claim a tax deduction for personal superannuation contributions made in the 2024–25 financial year, it is critical to...
Dealing at arm's length | s109 SIS Act | Arm's Length Transaction
1 June 2020Section 109 SIS Act | Arm’s Length Transaction The requirement for trustees to "deal at arm’s length with the other party" is...
What to do when you've paid of your SMSF LRBA
This came up as a practical question from one of our staff to the head of compliance at We Love SMSF, and it prompted me to write this...
Capital Gains and SMSFs: The Impact of Starting a Pension at the Right Time.
Today, many SMSF members are aware that once their fund begins paying "retirement phase" pensions, it no longer has to pay income tax on...
Owning Your Business Property in a SMSF
If you are interested in both Property and run a business, a common approach taken by numerous small business owners is to have their...
Questions to Ask Yourself Before Considering an SMSF Property Investment
I've been receiving numerous inquiries about SMSF loans for property investment, and we've been hosting educational seminars on this...
Trusts 101 – A Guide to Understanding Trusts in Australia
Trusts are a popular legal structure in Australia, used for various purposes such as asset protection, tax planning, and estate...
TBAR Reporting for SMSF Trustees: Key Updates and the $1M Carve-Out Explained
SMSFs that have no members with a total superannuation balance (TSB) of $1 million or more will be able to report TBC transactions...
Updated Guide to Tax Benefits of Using an SMSF Withdrawal and Re-Contribution Strategy
The thought of leaving (when you cross the Jordan) loved ones with a substantial tax bill is something many may not consider....
Divorce in your 50’s, 60’s & 70's with an SMSF and/or Small Business to deal with?
Hugh Jackman and Deborra-Lee Furness have separated after 30 years of marriage, joining the ranks of other high-profile splits like Bill...
Understanding the New Division 296 Tax on Superannuation Balances Over $3 Million
The Australian government is set to introduce a new tax measure, known as Division 296, targeting superannuation balances exceeding $3 million. This change, effective from 1 July 2025 , aims to ensure that superannuation tax concessions are more equitably distributed. This article is designed to help Self-Managed Superannuation Fund (SMSF) trustees, advisers, and accountants understand the new tax, compare it with the current rules, and explore potential concerns and planning
Navigating SMSF Property Investments: Maintenance vs. Improvement
I often get asked about the intricacies of managing a property within a Self-Managed Super Fund (SMSF), especially when it's under a...
Limited Recourse Borrowing Arrangements (LRBA) & Potential Personal Guarantees Issued by the Lender
When it comes to investing through your self-managed super fund (SMSF), understanding the intricacies of Limited Recourse Borrowing...
Planning Ahead: A Checklist for SMSF Trustees Facing Incapacity or Retirement
Recently, I was asked how SMSF Trustees can prepare for situations where they become incapacitated or no longer wish to manage their...
Understanding Stamp Duty for Property Transfers to SMSFs
Transferring property to a Self-Managed Super Fund (SMSF) can be a strategic move for property investors and small business owners....
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