Charter Partners

Self-Managed Super Fund

SMSF Brisbane, Gympie & Bundaberg

Seamless SMSF Services

Superannuation is one of the most tax-effective ways to save for your retirement.

Charter Partners has been providing specialist advice and strategic fund administration in Gympie since 1932. We can help you navigate the increasingly complex regulations that surround a Self-Managed Super Fund (SMSF) from our Brisbane, Bundaberg and Gympie locations, so you can enjoy a worry-free retirement.

For most people, superannuation will likely be a valuable, or possibly the main, source of income when they retire so it is imperative that care is taken in the filing and management of your SMSF.

Our team takes the burden off you by handling any administration processes your SMSF requires, from contribution monitoring and report preparation through to fund compliance and statement preparation.

We provide expert advice on the structure and ongoing running of your SMSF, so you can be sure that it is fully compliant.

Quality People, Top-Grade Service

Our extensive range of SMSF support services are backed by the latest research and broad technical expertise. Our many years industry experience has made us a leading specialist in the SMSF field.

You can count on our dedicated ‘super’ team to simplify the management of your fund for you, by paying personal attention to the day-to-day compliance and administration requirements.

We were built by a team of experts

who apply industry best practices in their day-to-day operations.

Choosing us to handle your SMSF matters means working with capable and experienced individuals who will harness knowledge and expertise when futureproofing your QLD business.

Anthony McPhee, Principal of Charter Partners, is an SMSF Specialist Advisor (SSA) with the SMSF Association.

The SMSF Association

is the peak industry association for professionals advising in the Self-Managed Superannuation Fund sector. The SMSF Association is committed to helping build the sector with integrity by establishing standards and raising the levels of specialist expertise.

How Can You Benefit from a Self-Managed Super Fund?

More and more Australians are choosing a Self-Managed Super Fund for their retirement needs, with approximately 2250 new funds being set up each month.

An SMSF brings the potential for a higher standard of living in retirement, however, with this comes the responsibilities of complying with legislative and administrative requirements.

Every SMSF must have an independent advisor to help add value to the fund. Our accredited SMSF Specialist Advisor can help maximise your fund by undertaking a program that involves examinations and an assessment of professional history, experience and ongoing professional development.

Now and into the future, through the assistance of an SMSF Specialist Advisor from Charter Partners, Australians who choose the control and flexibility of managing their own superannuation can do so with confidence.

By employing professionals who hold SSA Accreditation, you can be confident that you’ll be working with experts who have proven competency, independence, SMSF experience and knowledge.

SMSF Process

We handle the difficult parts of managing your SMSF including:

Establishment of your SMSF
- Filing of all fees, tax and registrations
Please note that as of 1 July 2016, accountants are no longer able to recommend establishing SMSFs. We have partnered with Elston to assist in advising on the suitability of SMSF establishments.
Ongoing administration of your SMSF
- Assistance when changing members, trustees and deeds as required
- Maintenance of the investment register
- Maintenance of pensions, Rollover Notices and ETPs
- Preparation of accounts and regulatory returns
- Provision of investment reports with accounts
Compliance of your SMSF
- Auditing and reporting in line with the current legislation (SIS Act 2001)
- Preparation of work papers for audit
- Provision of advice regarding the compliance of your SMSF
Super Strategies
- Application of Charter Partners’ proprietary SMSF strategies that take advantage of special tax concessions to help you maximise your superannuation
Training, awareness and assistance
- Education regarding your role as trustee for your SMSF

With more than 200 SMSFs fully administered by Charter Partners in the Brisbane, Bundaberg and Gympie area, you can be confident that specialists in this growth industry will manage all aspects of your fund.

A Fixed Price Agreement can be set up for any work with an estimated value of more than $500.
It can be applied to your annual taxation, accounting and compliance work, one-off projects or annual and ongoing fees for any monthly or quarterly work.

Milestones and key metrics
Objectives you want to achieve
Summary of the project
The value you will realise
Timing
Pricing and options
Terms and conditions

All services covered will be set out under the “Pricing and Options” section of your agreement. With us you can expect no surprises, no hidden charges and no unexpected fees or catches.

Get in touch with our tax accountants and CPAs. We service Brisbane, Bundaberg, Gympie and beyond.

Frequently Asked Questions

FAQ

Faq1

Is my SMSF pension taxable?

Yes. Like any other type of super fund, your SMSF benefits from concessional tax, but the rate is usually lower than your income tax. The ATO says that in general, an SMSF’s income is generally taxed at a concessional rate of 15% at maximum. This is at the accumulation phase. In the pension phase, there are no taxes payable.

Faq2

When can I access my SMSF?

The attaining age is 65. Members who are at least 65 years old may cash their benefits any time. There are no cashing restrictions and members are not required to cash out benefits after they’re reached the attaining age.

Faq3

Can I withdraw money from my superannuation before the attaining age?

Certain situations may warrant you permission to withdraw funds from your superannuation before you reach the attaining age. If, for example, your account contains unrestricted non-preserved money, you may withdraw it when you resign from your employer. The ATO also says that you may withdraw between $1,000 to $10,000 on the grounds of severe financial hardship. You can only make one early withdrawal within any 12-month period.