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Superannuation Advice and Services

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Establishing a self managed superannuation fund (SMSF) offers a range of powerful benefits. It can increase your control and flexibility to plan for your financial future and allows you to structure a sound investment plan tailored to suit your personal values and life goals.

At Bentleys, we offer a holistic approach to managing superannuation funds. From establishment, compliance, tax and audit through to investment choice++, estate planning and retirement. We can also assist you in meeting your duties as a fund trustee.

Our team of professionals are experts in taxation law, SIS (Superannuation Industry Supervision Act) and the Corporations Law. We have worked with a vast range of clients to help them to attain the most out of their funds and meet their financial goals.

Through tailoring a SMSF to your circumstances you can:

Customise your investment choice You can choose the blend of investments for your SMSF. For example, you can choose to acquire your business premises and lease the property back to your business, or acquire listed share investments from you and release cash back to the business. You have the flexibility to structure an investment plan that best meets your needs.	Secure your retirement income Your fund can accumulate assets to provide a secure income stream when you are ready to retire.
Insure against declining health If you’re incapacitated and/or unable to work, there are many options available to access SMSF benefits, thereby reducing financial concerns at such times.	Protect your assets from creditors Bankruptcy laws protect superannuation benefits from creditors (up to their Pension Reasonable Benefit Limit).
Consolidate your family’s superannuation Consolidating superannuation accounts (of up to four family members) can produce a significant investment asset base, enabling you to access wholesale investment rates, invest in property and save on fund administration charges.	Minimise your tax Investments held within a complying fund enjoy concessional tax treatment, ensuring maximum retirement benefits are accumulated.
Maintain your access to the age pension Certain pensions paid from your SMSF may still allow access to Centrelink age pensions from while still using your Pension Reasonable Benefit Limit.	Assist with your estate planning You can control distribution of benefits to your spouse, children and grandchildren in the event of your death.

Once established, we continue to assist in the ongoing management and administration of your fund to ensure maximum benefit. We will advise you on:

• Making top-up contributions in a tax efficient way by salary sacrificing from pre-taxed earnings 
• Making contributions for your spouse 
• Accessing Government contributions (up to a predetermined limit) for low income earners 
• Investing in a range of options within the fund, increasing control over future retirement benefits ++

++ Note: Not all offices offer investment advice, see the Financial Planning and Investment section for more details