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Superannuation Advice

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08 8211 9426

SMSF Services

Your super is likely the biggest investment you’ll ever own, bigger than any single share or property.

Our superannuation advisor service helps individuals grow and protect that nest egg, whether in a retail fund or an SMSF. See how clear, personalised guidance turns today’s contributions into tomorrow’s lifestyle.

Why Choose TTO for superannuation advice?

Personalised Roadmaps

We tailor strategies to your goals, risk comfort, and stage of life. You won’t find any cookie-cutter portfolios here. That’s because everyone’s goals are different, and so your super should be too.

Tax-Smart Expertise

As a licensed superannuation accountant, we use concessional caps, transition-to-retirement rules, and SMSF structures to boost after-tax returns. These are all benefits that you could be missing out on, and every little bit counts.

Ongoing, Human Support

You’ll get a dedicated advisor who is easy to reach, quick to explain, and focused on keeping your plan on track. We’re by your side each step of the way, making sure our communication is focussed around honesty, clarity and transparency.

Superannuation Advice for Adelaide Individuals

Super can feel like a black box: fees, insurance options, changing legislation, and market swings all influence your final balance. TTO Financial Solutions removes the guesswork. First, we clarify your retirement target – maybe a comfortable $60k a year, or overseas travel every second winter. Then we model how extra contributions, asset-mix tweaks, or salary sacrifice affect that goal.

Our investment planning advisor team also helps you decide if an SMSF fits. We walk you through setup, trustee duties, and ongoing audits, making sure you truly want the control an SMSF demands. If sticking with a public fund, we’ll sift through options, comparing fees, performance, and insurance to find the right fit.

For those seeking local retirement planning, we offer face-to-face meetings in Adelaide or video calls, whatever suits your schedule. And because we’re a combined accounting and advisory firm, every recommendation factors in tax, cash flow, and estate planning, not just raw returns. The result is a plan you understand and trust.

With a specialised Self-Managed Superannuation team, TTO are experts in providing comprehensive accounting, tax and compliance services for self-managed super funds, and are always on-hand to answer any queries when it comes to managing your super effectively.

All you need to do is sit back and enjoy retirement!

Our specialists in superannuation, taxation law and corporations law can help you with:

– Structuring your superannuation so that it’s tailored to your life goals and values
– Establishing your self-managed super fund
– Managing your fund’s compliance with the Superannuation Industry (Supervision) Act 1993 (SIS Act)
– Structuring your income streams tax effectively
– Outlining your insurance options so your premiums are paid from the best possible source
– Identifying strategic opportunities for investment
– Topping up contributions in your existing super fund in a tax-efficient way
– Planning for your super to go to your intended beneficiaries
– Assisting with fund transition to pension.

Get in touch
08 8211 9426

Our Simple Superannuation Accountant Services Process

1

Initial Consultation & Assessment

To start with, we collect necessary details on your current fund balance, contribution history, insurance cover, and retirement goals. We then proceed to gauge your risk tolerance so that we’re not making suggestions that sit outside your comfort zone.
2

Strategy Development & Implementation

Next, we create a written plan: recommended fund or SMSF structure, asset allocation, contribution schedule, and tax tactics. We handle rollovers, paperwork, and ATO registrations, so setup is seamless.
3

Ongoing Support & Optimisation

Markets change and life happens. It’s important to expect the unexpected. We meet at least annually – more often if you prefer – to review performance, adjust contributions, and update strategies for new laws or goals.

Want to learn more about Superannuation?

Frequently Asked Questions

Not at all. Younger clients gain the most from early optimisation. Small fee cuts and extra contributions compound dramatically over decades. Mid-career professionals benefit from tax-effective salary sacrifice and insurance alignment, while pre-retirees focus on transition-to-retirement pensions and risk reduction. Whether you’re 25 or 60, engaging a retirement financial planner today makes your eventual retirement smoother, more flexible, and less dependent on last-minute catch-up payments. We simply adapt strategies to match your current stage and future vision.

We suggest a formal review each year, plus a quick check after major life events such as marriage, job change, inheritance, or nearing preservation age. Annual reviews test whether contributions, insurance cover, and asset mix still match your goals and risk profile. Market conditions and superannuation law can shift quickly; timely tweaks keep your plan tax-efficient and growth-oriented. With our dashboard reports and reminder system, you’ll always know when action is required, preventing small drifts from becoming expensive detours.

Yes. We guide you through trust deed creation, ATO registration, and rollover of existing balances. Our superannuation accountant team then handles annual financial statements, audit coordination, and compliance lodgements, freeing you to focus on investment decisions. We also offer portfolio research, property-purchase structuring, and pension-phase planning, so your SMSF stays compliant and growth-focused. Regular check-ins track performance against your retirement goals, making sure the extra control of an SMSF translates into real long-term benefits.

Even strong funds can miss tax opportunities, insurance savings, or contribution strategies that improve outcomes. As an experienced superannuation advisor, we assess not only investment returns but also fees, risk level, and how your super interacts with personal tax. By optimising salary sacrifice, spouse contributions, or recontribution strategies, we often lift net retirement income without changing core investments. Ongoing reviews also guard against legislative shifts that could erode balances, ensuring today’s “good” fund remains efficient tomorrow.

5/5

Very appreciative of their hard work and highly recommend working with them for your mortgage needs.

I had the pleasure of working with Guido to purchase my first home. He was very knowledgeable about whether to buy existing or build a new property. Guido was understanding and considerate, making the whole process comfortable. He and Sharon worked together to secure a mortgage for me and made the whole process smooth and seamless. Their communication was excellent and I felt like I could trust them with managing to secure my loan. 

Hayley Combe

If you’re looking for a reliable and professional broker, we highly recommend Jim Elliott and the team at TTO Financial Solutions!

We had an outstanding experience with TTO Financial Solutions and we can’t thank Jim Elliott enough for his help throughout our house build. From start to finish, he was extremely knowledgeable, responsive, and always had our best interests in mind. He made the financing process smooth and stress-free, answering all our questions and ensuring we got the best options available.
Winnie Hoare

We couldn't be happier with our experience with TTO.

As first-time homebuyers, we had many questions and doubts, but Trudi walked us through everything, supporting us all the way through to settlement and easing our nerves. We cannot thank her enough! We also briefly dealt with Jim, who was always helpful and took the time to explain things in detail. In a process like this, it’s crucial to feel that the people assisting you are on your side and willing to clarify things, big or small—and that’s exactly what we got. Thank you once again!

Joanna

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