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Is growing your business making it harder to put money aside for retirement?
A busy year can bring more work, but also more spending. You might need equipment, staff or extra space before the money from that growth arrives.
If you also run your own super fund, or SMSF, those business decisions can affect what you have available for your retirement plans. Planning each in isolation makes it harder to judge what you can commit to.
At New Wave SMSF, our accountants, financial planners and legal team work together on the questions that connect your fund with your business.
We look at your financial position and retirement goals before discussing a strategy. For example, we'd want to understand upcoming business commitments before considering changes to what you put into super.
Click the link to arrange a free strategy call about your business and retirement plans.
Business owner: I'd like our retirement savings to do more. Could our super fund buy the building the business rents?
Partner: Possibly, but would that leave much money in the fund for anything else?
Business owner: I haven't worked that out yet. I was thinking the rent could help fund our retirement.
Partner: What happens when we stop running the business? Would someone else rent the building?
Business owner: We'd need to look into that, and what we'd do if it was empty for a while.
Partner: Let's ask about those things before we get too attached to the idea.
Narrator: Commercial property can be considered within a self-managed super fund, but the purchase, lease arrangements and financial risks need careful assessment. At New Wave SMSF, we bring accounting, financial planning and legal advice together to assess a proposed property purchase alongside your retirement plans.
Narrator: To find out what's involved in reviewing a commercial property idea, click the link.
You and your business partner might have different ideas about when to retire. Have you discussed what happens when one of you wants to leave?
You may agree that the other person could buy them out. But you'd still need to work through how the price would be decided, where the money would come from and when it would be paid.
Those details affect both the person leaving and the person staying. If your retirement plans rely on the sale proceeds, the timing of those payments could be especially relevant.
And if your self-managed super fund owns property used by the business, that arrangement needs to be considered too.
New Wave SMSF helps business owners coordinate succession planning with their super and wider finances. Our legal, accounting and financial planning teams can work through the proposed arrangements together.
If retirement could mean a change in business ownership, click the link to ask about our advice service.
Your business has changed since you set up your retirement fund. When did you last review the fund's strategy?
Getting the annual accounts and tax work done keeps important obligations moving. A strategy review asks a different question: do the arrangements still suit what you're trying to achieve?
Perhaps you're taking less income while the business expands. Or you've started handing more responsibility to your team and want to spend less time at work.
For a business owner with a self-managed super fund, those changes can affect the money available to contribute and when retirement income may be needed.
At New Wave SMSF, we provide ongoing accounting and financial advice that considers the fund alongside your business and retirement goals. We review your circumstances before discussing whether the strategy needs to change.
For help reviewing how your fund fits your current plans, click the link.
You're thinking about how to fund retirement, and someone suggests setting up your own super fund. How do you work out whether it's worth considering?
A self-managed super fund, or SMSF, gives its members responsibility for running the fund. So there's more to discuss than the investments you'd like it to hold.
You'd want to understand the work involved, the costs and how it could fit your business and personal finances. Those questions need to come before a decision to set one up.
At New Wave SMSF, you can begin with a free strategy call. Tell us about your business, current super arrangements and what you're hoping to do in retirement.
Our process then includes research and assessment before recommendations. The first call helps us understand what you need help with; setting up a fund is a separate decision.
Click the link if you'd like to discuss whether SMSF advice could be useful for you.
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.
New Wave SMSF was built to help coordinate those decisions.
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.
The question worth bringing to the call is whether an SMSF belongs in your wider retirement and business strategy. You don't need to turn it into a technical brief before you ask it. A useful starting point is the decision in front of you, the time you have to make it and the parts of your financial position that may be affected.
The review should also leave room for different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. No projection can predict every future event. Making the assumptions visible helps you see what would need to change if your priorities changed.
It's reasonable to ask what the advice process includes, what information the team needs and how recommendations are explained. You can ask how the proposed work relates to advice you already receive, whether your accountant or solicitor remains involved and what the fees would apply to. Ask those questions during your first planning discussion before you decide whether to proceed.
That first planning discussion can also separate decisions that need action now from decisions that can wait. If every issue is treated as urgent, a plan can't give you a useful order of priorities. A clear plan gives you a way to prioritise, revisit assumptions and understand what the next review is meant to answer.
It should leave you with a better question if the first question turns out to be too broad. That's still progress, because the next decision can be made with a clearer view of the information it actually needs.
You may also wonder whether advice is useful when you already have a super fund, investments or a plan of your own. That depends on the gaps in the current picture. The useful work may be checking whether the arrangements still match the goal, or understanding a decision you've been putting off. You might find that no further work is needed yet. A proper conversation should make that clearer.
The right fit is someone who wants the relevant decisions explained clearly and is prepared to share enough information for the advice to be personal. It won't suit someone looking for a guaranteed return, a product chosen before the circumstances are understood or a financial outcome that no adviser can promise.
If this is the question you want to work through, complete the form below this video and answer it as accurately as you can. Your answers help the team understand what you would like to discuss and whether they can help.
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, the team will 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.
They'll listen first, then explain what may deserve a closer look. If there's a useful next step, they'll talk through how the advice process works and what would happen from there.
We'll send you a few short emails before the call. Watch the clips below as well, so you can focus on your situation during the call 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.
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.
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 call helps the team 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 call 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.
Discuss the strategy before starting your property search.
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 exit planning 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 call 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 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 you'd like to discuss your plans, book a free SMSF Strategy Call with New Wave SMSF.
New Wave SMSF
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If yours isn't here, it's the first thing we'll cover on the call.
