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.
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.
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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.