Self Managed Super Fund Specialists
Helping individuals and business owners take control of their retirement with expert SMSF advice.
SERVICES
Take Control of Your Financial Future with Expert Self Managed Superannuation Fund (SMSF) Services & Advice
SMSF Financial Planning
Self Managed Super Fund Specialists
We help individuals and business owners manage their Self Managed Super Funds with expert accounting, compliance, and financial planning support. Our team ensures your SMSF meets all regulatory requirements while helping you make informed investment and retirement decisions. From tax reporting and compliance to personalised financial strategies, we provide clear guidance so you can take control of your super and build long-term financial security with confidence.
Most SMSFs Are Set Up Once and Left Alone. Yours Doesn't Have to Be.
If your super isn’t connected to your business, your tax strategy, and your long-term wealth plan ,it isn’t working hard enough.
Here’s a scenario we see constantly across the Gold Coast and Queensland.
A business owner sets up an SMSF five or ten years ago ,often because an accountant suggested it, or because they wanted control over where their super was invested. Contributions go in each year. The annual compliance gets done. And that’s as strategic as it ever gets.
Meanwhile:
The fund is sitting in a default investment mix that hasn’t been reviewed in years,
Tax minimisation opportunities inside the fund are being missed,
The business and the SMSF are being managed in isolation ,by advisers who have never spoken to each other,
Nobody has ever mapped out how super fits into the broader wealth picture,
This isn’t a criticism ,it’s simply how most SMSF advice has worked. Reactive. Siloed. Compliance-driven.
The problem is, that approach costs you. Not in fees ,in lost opportunity. Every year your SMSF isn’t integrated into a deliberate, coordinated strategy is a year of compound growth, tax efficiency, and wealth-building you don’t get back.
At New Wave SMSF, we build SMSFs that work the way they were actually designed to: as a sophisticated, tax-effective structure that’s fully connected to your business, your income, and your life goals.
If you’re a business owner or professional with an SMSF on the Gold Coast or anywhere in Queensland, and you’ve ever felt like your super is just… sitting there ,this is the conversation you need to have.
Strategic SMSF Advice. Integrated. Ongoing. Built Specifically for Business Owners.
New Wave SMSF is the specialist SMSF division of New Wave ,a multi-disciplinary advisory firm bringing together accounting, financial planning, and SMSF expertise under one roof, built for clients who want more than compliance.
Most clients who come to us have experienced the same thing: their accountant handles their business and their tax, their financial planner manages their personal investments, and their SMSF sits somewhere in the middle, connected to neither, truly optimised by neither.
New Wave SMSF was built to fix that.
We are not a compliance firm that happens to do strategy on the side. We are a specialist SMSF advisory practice, based on the Gold Coast and serving clients across Queensland and Australia, where strategy comes first, and compliance follows. Every piece of advice we give is connected to your whole picture.
OUR THREE PILLARS:
Pillar 1, Strategic, Not Transactional
Your SMSF isn’t a file to be lodged once a year. It’s a wealth-building vehicle that should be actively managed, reviewed, and optimised as your business and life evolve. We provide ongoing, proactive advice, not annual check-ins.
Pillar 2, Integrated Advice: Accounting Meets Financial Planning
When your accountant and financial planner work independently, the gaps between them cost you money. At New Wave SMSF, they work together. Your tax strategy, your business structure, your personal income, and your SMSF are all managed as part of a single, coordinated plan.
Pillar 3, Built for Business Owners
Business owners have more complexity and more opportunity in their SMSF than most. From using your fund to purchase business real property, to structuring contributions around variable income, to coordinating your exit strategy with your retirement plan: we understand the mechanics, and we plan around them.
SMSF Services
Comprehensive SMSF Services Designed to Maximise your Retirement Strategy
SMSF Setup
Accounting & Tax
Audit
Insurance
Bookkeeping
Statement of Advice
Cryptocurrency
Property
Pension Advice
Retirement Planning
Capital Gains Tax
Cashflow & Budgeting
Our 5-Step SMSF Process
Setting up an SMSF involves several important steps. Our team guides you through each stage to ensure the process is smooth, compliant, and aligned with your financial goals.
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Recent News
Corporate Trustee vs Individual Trustee: Which SMSF Structure Is Right for You?
One of the first decisions when setting up an SMSF: corporate trustee or individual trustees? Here’s the definitive comparison — and why most SMSF specialists recommend corporate.
The 5-Year SMSF Retirement Countdown: A Gold Coast Business Owner’s Checklist
The 5 years before retirement are the most important for your SMSF. Here’s the year-by-year checklist Gold Coast business owners need to maximise their retirement income.
SMSF Property Investment Rules: What Gold Coast Investors Need to Know in 2026
Thinking about buying property through your SMSF? Here are the rules you need to know — from commercial vs residential restrictions to LRBAs, the sole purpose test, and compliance requirements.
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SMSF Frequently Asked Questions
What is an SMSF and how does it differ from a regular super fund?
A self-managed super fund (SMSF) is a private superannuation fund that you control as both trustee and member. Unlike retail or industry super funds, an SMSF allows you to choose your own investments ,including direct shares, property, and other assets ,and to implement tax strategies tailored to your specific situation. For business owners and high-income professionals, this level of control and flexibility is often what makes an SMSF significantly more powerful than a standard fund.
Is an SMSF right for me as a business owner?
SMSFs are particularly well-suited to business owners. You can use your SMSF to purchase business real property, align contribution strategies with variable business income, and structure your exit from the business in a way that maximises your retirement outcome. The key is having the right advice.
How much super do I need to make an SMSF worthwhile?
As a general guide, SMSFs typically become cost-effective at a balance of $200,000 or more. That said, the break-even point depends on your specific situation ,we assess this individually in every strategy call.
What does it cost to have an SMSF managed by New Wave SMSF?
Our fees are tailored to the scope of advice and administration required. We provide full fee transparency before you engage. For clients in ongoing strategic advice, the tax savings and wealth-building outcomes consistently exceed the cost ,often significantly.
What's the difference between SMSF administration and SMSF advice?
Administration covers compliance: accounts, tax returns, and audit. Advice goes further ,investment strategy, contribution planning, tax minimisation, pension structuring, and integration with your broader financial plan. New Wave SMSF provides both, coordinated.
Can I use my SMSF to buy property?
Yes, with important rules. Residential property cannot be purchased from a related party or lived in by you or family. Commercial property, including business real property, can be leased back to your business at market rates ,one of the most powerful strategies for business owners. Borrowing via a Limited Recourse Borrowing Arrangement (LRBA) is also possible, subject to strict rules.
How often will my SMSF be reviewed?
Our model is built around ongoing, proactive engagement ,not just an annual call at tax time. Strategy reviews, contribution check-ins, investment updates, and proactive communication when legislation or markets change. Frequency is agreed based on your situation.
I already have an accountant and financial planner managing my SMSF separately. Why consider New Wave?
This is the most common ,and most costly ,situation we see. Gaps between separate advisers mean missed tax strategies, missed contribution opportunities, and decisions made without the full picture. Our integrated model eliminates those gaps. One team, one strategy.
Do you work with clients outside the Gold Coast?
Yes. We’re based on the Gold Coast and serve clients across South East Queensland, Brisbane, and throughout Australia. Our model works effectively with remote and interstate clients.
How do I get started?
Book a free, no-obligation SMSF Strategy Call. We’ll understand your situation, identify key opportunities or gaps, and give you an honest view of what’s possible. No pressure, no jargon.
Speak With an SMSF Specialist Today
Whether you’re setting up a Self Managed Super Fund or looking for expert advice on managing your existing SMSF, our team is here to help. Get in touch with us today to discuss your goals and explore the best strategy for your retirement.