SMSF insights, news and notes from Joy.
Practical guidance on running your SMSF, compliance updates, strategy tips, and plain-English explanations of the rules that matter.
Winding Up Your SMSF: The Complete Step-by-Step Guide (2026)
Closing your SMSF? Covers the trustee resolution, asset realisation, final audit, ATO deregistration, key tax traps and what to do in the ACT.
Read more →SMSF for APS and Public Sector Employees: A Canberra Guide
Working in the APS or ACT public sector? How SMSFs work alongside PSSap, PSS and CSS super, who can roll, who can't, and when it makes sense to set up your own fund.
Read more →Tax in Super: Pensions vs Lump Sums — What You'll Pay (and When You Won't)
How super withdrawals are taxed at each stage of life — account-based pensions, lump sums, the low rate cap, and what most retirees actually pay.
Read more →2026–27 Budget: What SMSF Trustees Need to Know
CGT discount overhaul, negative gearing changes, discretionary trust minimum tax, and why most of it explicitly excludes SMSFs. A plain-English breakdown of what matters.
Read more →Payday Super Is Coming, Is Your SMSF Ready?
From 1 July 2026, employers must pay super on payday. Here's what SMSF trustees need to check, ESA, bank accounts, clearing house changes and more.
Read more →Your SMSF EOFY Checklist, Don't Leave These Until the Last Minute
Contributions, carry-forward amounts, pension minimums, asset valuations and Division 296, everything to review before 30 June 2026.
Read more →The $3 Million Super Tax Is Real, Here's What You Need to Know About Division 296
Division 296 tax is now law. From 1 July 2026, super balances above $3 million attract additional tax. Here's a plain-English breakdown, including the CGT cost base reset.
Read more →Super Contributions in 2025–26: A Plain-English Cheat Sheet
CC, NCC, bring-forward, carry-forward, a complete guide to the 2025–26 contribution caps and rules, verified straight from the ATO.
Read more →The Transfer Balance Cap Just Hit $2 Million, Here's Why It Matters
From 1 July 2025, more of your super can sit in the tax-free pension zone. Here's what the $2 million cap means, and why timing your pension start matters.
Read more →How to Set Up an SMSF in Australia: A Complete 2026 Guide
A step-by-step walkthrough of the SMSF setup process, from deciding if it's right for you, through trustee structure, ATO registration, trust deed and your first rollover.
Read more →SMSF Contribution Limits 2025–26: What Trustees Need to Know
The concessional cap is $30,000 and non-concessional cap is $120,000 for 2025–26. Here's what these limits mean for your SMSF strategy, including carry-forward and bring-forward rules.
Read more →Investing in Your SMSF: What You Need to Know
Asset classes, risk-return spectrum, legal strategy requirements and compliance rules, a complete trustee guide to SMSF investing.
Read more →Buying Property in Your SMSF: How LRBAs Work
A plain-English guide to SMSF borrowing, how the bare trust structure works, what the law requires, and what every trustee needs to know before proceeding.
Read more →
Ready to take control of your SMSF?
Book a free, no-obligation chat with Joy. We'll assess your situation and let you know honestly if an SMSF is the right move for you, whether you're in Canberra or anywhere in Australia.