PHC & Associates
SMSF Services
We provide complete Self-Managed Super Fund administration and compliance support — from initial establishment and annual accounts through to pension setup, audit coordination, and ongoing ATO compliance. PHC & Associates keeps your SMSF compliant, up to date, and working hard for your retirement.
1000+
Clients Served
CPA
Certified
ATO
Registered Tax Agent
Establishment & Registration
Annual Accounts & Tax Returns
Audit Coordination
Pension & Contribution Compliance
Who Is This For
SMSF Services for Every Member Stage
Whether you're setting up your first SMSF or managing an established fund in pension phase, we provide the administration and compliance support to keep everything running smoothly.
New SMSF Members
Rolling over from an industry or retail fund and setting up their first SMSF — wanting everything done correctly from day one.
Accumulation Phase Members
Growing their super balance through contributions and investments — needing annual accounts, tax returns, and contribution cap monitoring.
Pension Phase Members
Drawing a pension from their SMSF and needing correct pension documentation, actuarial certificates, and ongoing compliance.
Existing SMSFs Changing Advisors
Unhappy with their current administrator and looking for a more responsive, experienced firm to take over their SMSF compliance.
Our Services
Complete SMSF Administration & Compliance
SMSF Establishment & Registration
Complete SMSF setup — trust deed, trustee structure, ATO registration, TFN, ABN, and bank account coordination from day one.
Annual Financial Statements & Tax Returns
Accurate SMSF financial statements and income tax returns prepared and lodged annually — fully compliant with ATO requirements.
SMSF Audit Coordination
Coordination of the mandatory annual SMSF audit with an independent, approved SMSF auditor — we prepare the fund and manage the process.
Member Account & Balance Reporting
Accurate member account balances maintained for each member — accumulation and pension accounts tracked and reported separately.
Pension Setup & Compliance
Account-based pension commencement, minimum pension calculations, pension documentation, and ongoing compliance with SIS regulations.
Contribution Cap Monitoring
Monitoring of concessional and non-concessional contributions against annual caps — avoiding excess contribution tax and ATO penalties.
Investment Strategy Preparation
Documented investment strategy prepared in accordance with SIS Act requirements — reviewed annually and updated to reflect member circumstances.
ATO Compliance Support
Management of ATO correspondence, compliance reviews, rectification of contraventions, and lodgement of the annual SMSF return.
Why It Matters
Why Professional SMSF Administration Matters
An SMSF gives you control and flexibility — but with that comes significant legal and compliance responsibility. Getting it wrong is costly.
Trustees Are Personally Responsible
SMSF trustees — not the ATO, not an auditor — are personally responsible for ensuring the fund complies with superannuation law. Contraventions can result in significant fines and fund disqualification.
Annual Compliance Is Mandatory
Every SMSF must have financial statements prepared, a tax return lodged, and an independent audit completed each year. Missing these obligations triggers ATO enforcement action.
Contribution Cap Breaches Are Taxed Heavily
Excess concessional contributions are taxed at the member's marginal rate plus an interest charge. Excess non-concessional contributions can be taxed at 47%. Monitoring caps is not optional.
Pension Compliance Has Strict Rules
Failing to pay the minimum pension amount in any year causes the fund to lose its tax exemption on pension assets for that entire year — a significant and avoidable cost.
Investment Strategy Must Be Documented
A written investment strategy is a legal requirement under the SIS Act. Funds without a current, documented strategy are non-compliant — regardless of how well the investments are performing.
Why PHC & Associates