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If you own a business and have an SMSF, are they actually being planned together?
Your business affects your income, your tax position and what retirement could look like. The fund can affect those same decisions.
But plenty of business owners still have one adviser looking at the business and someone else handling the fund as an annual job.
At New Wave SMSF, the accounting, financial planning and legal work can be brought into one coordinated strategy. Commercial property, contributions, an eventual business exit and your retirement plan can all be considered as parts of the same picture.
If you'd like to talk through how your business and SMSF fit together, book a free SMSF Strategy Call with our team.
This is general information. Personal advice depends on your circumstances.
Thinking about buying commercial property through your SMSF?
Before you get attached to a property, it helps to look at the whole decision.
How would the purchase affect the fund's cash flow? Would borrowing be involved? How does the property fit your investment strategy and the plans you have for your business?
Those questions can involve accounting, financial advice and legal documentation, so they need to be coordinated properly.
New Wave SMSF brings those parts together. If commercial property is on your mind, book a free SMSF Strategy Call and we can discuss the questions that apply to your situation.
Whether a property or borrowing strategy is suitable depends on personal advice.
If you sold your business in a few years, would your SMSF and retirement plan be ready for it?
You don't need to be selling tomorrow for that question to be worth asking.
The way you contribute to super, invest through your SMSF and prepare for retirement can all be affected by what you eventually do with the business.
That's why exit planning shouldn't sit in one folder while your SMSF sits in another.
New Wave SMSF works across accounting, financial planning and legal advice, so the business transition and retirement plan can be discussed together.
If a future exit is part of your plan, book a free SMSF Strategy Call and let's talk through where your fund fits.
This is general information. Any strategy depends on your circumstances.
Has your SMSF strategy changed as your business has changed?
Maybe the business earns differently now. Perhaps commercial property has become an option, retirement is closer, or the fund has simply been running on the same settings for years.
Getting the annual return done is important, but it doesn't show whether the strategy still fits where you're heading.
New Wave SMSF can review the fund alongside your business, contributions, investments and retirement plans, then coordinate the accounting, advice and legal work that may be needed.
If it's been a while since the whole picture was reviewed, book a free SMSF Strategy Call with our team.
Personal advice depends on your situation.
What do we actually cover in a free SMSF Strategy Call?
We start with your business, your current SMSF position and what you want the fund to help you do over the longer term.
That might include commercial property, contributions, an eventual business exit or the move into retirement. It depends on what's happening in your life and business.
The point is to understand the full picture before jumping into a recommendation.
If you want your SMSF considered alongside your business and retirement plans, book a free SMSF Strategy Call with New Wave SMSF.
The call is an initial conversation. Personal advice comes after the proper advice process.
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## Put your SMSF, business and retirement plan into one coordinated strategy
If you own a business and have an SMSF, the fund shouldn't be planned in isolation from everything else you're building.
Your business income can affect contribution decisions. Commercial property can involve the fund, the business and legal documentation. A future business exit can change what retirement looks like.
Yet many owners still have an accountant handling the business, another adviser looking at personal investments and someone completing the SMSF work once a year. Each part may be getting attention, but nobody is looking at how the decisions affect one another.
That's the conversation New Wave SMSF was built to have.
If this sounds like the planning conversation you need, complete the short form below. Depending on your answers, you may be invited to book a free SMSF Strategy Call.
We bring SMSF accounting, financial planning and legal advice into one coordinated process for business owners. The aim is to understand your business, your current fund position and what you want the SMSF to help you do over time.
That could include reviewing an existing fund strategy, looking at contribution options, considering commercial property, preparing for a business transition or planning the move into retirement. The work depends on your circumstances, so the first step is a proper discovery conversation.
On a free SMSF Strategy Call, we'll ask about the business, the fund and your longer-term plans. You'll have a chance to explain what's changing, what you're considering and where the advice currently feels disconnected.
If there's a useful next step, the team can then research the position, explain the options and set out the scope and fees before you decide whether to proceed.
If you want your SMSF considered alongside your business and retirement plans, complete the short form below. Depending on your answers, you may be invited to book a free SMSF Strategy Call with New Wave SMSF.
This is general information only. Any personal advice or strategy depends on your circumstances and the proper advice process.
Thanks for booking a free SMSF Strategy Call with New Wave SMSF.
On the call, we'll ask about your business, your current SMSF position and what you want the fund to help you do over time.
You don't need to prepare a formal plan. If you have a recent fund statement or a list of the decisions you're considering, keep them nearby.
We'll listen first, then explain what may deserve a closer look. If there's a useful next step, we'll talk through how the advice process works and what would happen from there.
We'll send you a few short emails before the conversation. Watch the clips below as well, so the eventual call can focus on your situation instead of covering the basics.
We look forward to speaking with you.
An SMSF can hold commercial property in some circumstances, including business real property, but the rules and the wider strategy need to be considered carefully.
The fund's cash flow, investment strategy, lease arrangements, borrowing structure and legal documents may all be relevant.
Your circumstances determine the right answer, so bring the property idea and any timing questions to the strategy call.
That's common.
The important question is whether the people handling the business, the SMSF and your personal financial plan are working from the same picture.
New Wave SMSF can coordinate the accounting, financial planning and legal work where it's relevant, so you aren't left carrying the strategy between separate providers.
No. A business exit, property decision or contribution strategy can affect the retirement plan well before you stop working.
Starting earlier gives you time to understand the options and decide what belongs in the plan. The advice still depends on your circumstances and objectives.
The first call helps us understand the situation and the questions you want answered.
If further work looks useful, the team can research the position, explain the recommended scope and outline the fees before you decide whether to proceed.
Personal advice only comes after the proper discovery and advice process.
Hi,
Thanks for booking a call with New Wave SMSF.
We'll use the conversation to understand your business, your current SMSF position and what you want the fund to help you do over the longer term.
You don't need to prepare a formal plan. If you have a recent SMSF statement or a short list of the decisions on your mind, keep them nearby.
Speak soon,
New Wave SMSF
Hi,
Before the call, think about what has changed since your SMSF was set up or last reviewed.
Maybe the business earns differently now. Perhaps commercial property has become an option, you're thinking about an eventual exit, or retirement is closer than it used to be.
Those changes will help us understand which questions deserve attention first.
New Wave SMSF
Hi,
Your SMSF doesn't operate in a vacuum.
Business income can affect contributions. A property decision may involve the fund, the business and legal documentation. An eventual business transition can affect the retirement plan.
That's why our discovery conversation covers more than the annual SMSF work. We want to understand how the decisions connect before discussing a strategy.
New Wave SMSF
Hi,
Your SMSF Strategy Call is tomorrow.
Please have any questions you want covered nearby. If something has changed or you need to move the call, reply to this email and let us know.
New Wave SMSF
Hi,
We're looking forward to speaking with you today.
We'll start with your business, your SMSF and your longer-term plans, then work through the questions that brought you to the call.
New Wave SMSF
Hi,
We missed you on the call today.
If you'd still like to discuss how your SMSF fits with your business and retirement plans, reply to this email and we'll help you find another time.
New Wave SMSF
Hi,
An SMSF can stay compliant while the original strategy falls behind the business.
Maybe your income works differently now. Commercial property may have become a real option. Retirement could be closer, or a future business exit may finally be worth planning for.
If the fund is still running on decisions made years ago, ask whether those decisions still fit where you're heading. Annual statements can show what has happened inside the fund. They can't tell you whether the fund, business and retirement plan are pulling in the same direction.
Write down the biggest change in your business since the SMSF was last reviewed. Then note what that change could affect inside the fund. That's a useful place to begin the next strategy conversation.
If you would like to review the wider picture, book a free SMSF Strategy Call with New Wave SMSF.
New Wave SMSF
Hi,
It's easy to start with a listing.
A property may look right for the business. Its location works, the layout works and owning the premises sounds better than paying rent to somebody else.
Buying commercial property through an SMSF brings a wider set of questions into the decision. Your fund needs enough cash flow. Its investment strategy needs to support the asset. Borrowing may require a limited recourse structure and legal documents. Lease arrangements need to be handled correctly, and the purchase still has to fit the retirement plan.
That's why the property search shouldn't be the first conversation.
Start by asking what the property needs to do for the business, what it could change inside the fund and how long you expect the arrangement to remain useful. Those answers give the accountant, adviser and lawyer something concrete to work through together.
If commercial property is on your mind, a free SMSF Strategy Call can help you put the right questions on the table. Whether the strategy is suitable depends on personal advice.
New Wave SMSF
Hi,
You don't need a buyer at the door before you think about leaving the business.
A future sale, succession or wind-down can affect your income, the assets you hold, how you contribute to super and the retirement plan built around those decisions.
Leaving the conversation until the exit is close reduces the time available to coordinate the work. Starting earlier doesn't lock you into a sale date.
Try this question: if the business changed hands in the next few years, what would you want your SMSF and retirement plan to be ready for?
The answer may be simple, or it may reveal several connected decisions. Either way, it's useful information to bring into a strategy conversation.
New Wave SMSF
Hi,
Your accountant understands the business and tax position.
A financial adviser looks at super, investments and retirement.
Legal work may cover the trust deed, borrowing documents, estate planning or succession arrangements.
Each person can do good work and the business owner can still end up carrying information between them. The problem is rarely a lack of expertise. It's that one recommendation may be made without seeing how another part of the plan is changing.
Consider a commercial property purchase. Your accountant may look at the business cash flow and tax position. A financial adviser considers the fund and investment strategy. Legal counsel handles the acquisition and borrowing documents. If the three conversations don't use the same facts and objectives, the owner has to spot the gaps.
New Wave SMSF brings the accounting, financial planning and legal work into one coordinated process. The starting point is the business, the current fund position and the outcome the owner is planning for.
That joined-up conversation can also apply to contribution planning, an eventual business exit, estate questions and retirement.
If your current SMSF advice feels spread across separate providers, book a free SMSF Strategy Call and bring the connected question with you.
New Wave SMSF
Hi,
A useful first conversation gives you room to explain the business, the fund and what you're trying to do next.
That might include a property idea, contribution questions, an old investment strategy, a future exit or the move into retirement. You don't need a formal plan before the call. A recent fund statement and a short list of the decisions on your mind are enough to start.
The team can then understand what has changed, which questions connect and what may deserve proper research. If further advice looks useful, the scope and fees can be explained before you decide whether to continue.
The first call can't decide that every idea suits your circumstances. It gives the connected questions a place to be heard before a recommendation is made.
If that's the conversation you need, book a free SMSF Strategy Call with New Wave SMSF.
New Wave SMSF
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