Running your own super fund through your working years is one thing. Taking it into retirement is another discipline entirely — the questions change from "how do we grow this?" to "how does this pay us, tax-effectively, for thirty years?" This is the exact intersection we specialise in: SMSF trustees approaching, or already in, the retirement years.
The questions that decide how well this goes
- When do we move from accumulation to pension phase — and should we run both at once?
- How do we use our transfer balance caps as a couple, and what happens to amounts above them?
- Is our investment strategy actually written for drawdown — sequencing risk, liquidity for pension payments, and franking credits in pension phase?
- What does Division 296 mean for balances near or above $3 million — and what's worth restructuring before it matters?
- Should the SMSF still exist at all in ten years? What's the wind-up or succession plan when one trustee can no longer act?
- How does the fund pass to the next generation — binding nominations, reversionary pensions, and the tax on what your children inherit?
How we work with SMSF trustees
Troy Gudgeon holds the SMSF Specialist Advisor™ (SSA™) designation — the industry benchmark credential for self-managed super advice — with over 20 years advising pre-retirees and retirees. We advise; your accountant or administrator keeps their role; everyone works from one coordinated strategy. And because we're self-licensed and fee-for-service, there is no product agenda behind any recommendation — including the recommendation, where it's honest, that an SMSF is no longer serving you.
Talk it through before you decide anything.
A complimentary, confidential 30-minute conversation with Troy — Zoom, phone, or in person in Sydney or Brisbane. No obligation, no pressure.
Book a Discovery Call →Useful next steps
Read our trustee-focused pieces on investment strategy, Division 296 and transition-to-retirement strategies, or get the Retirement Readiness Guide.
General Advice Disclaimer
This page contains general information only and does not take into account your personal financial situation, objectives, or needs. Before acting on any information, consider its appropriateness to your circumstances, read our Financial Services Guide, and seek personal financial advice. Tax outcomes depend on your circumstances and should be confirmed with a registered tax agent. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).