In 2026, "viability" for a high-net-worth SMSF is measured by its ability to access wholesale markets. By pooling the balances of up to six family members, including adult children, the fund gains the "dry powder" required for high-entry assets.

Whether it is a commercial warehouse in Alexandria or a boutique private equity placement, the "Power of 6" allows a family to aggregate their super to act with the weight of an institutional investor. This collaborative scale turns "lumpy" assets into viable opportunities that would be out of reach for individual accounts.

The Small Business CGT (Capital Gains Tax) concessions are among the most powerful wealth-building tools in Australia. When you sell an active business asset, the law provides a significant lifetime cap, which for the 2026–27 financial year has been indexed to $1,935,000. This allows you to funnel a large portion of the proceeds into your superannuation without it counting towards your standard annual contribution limits.

If your combined income and super contributions exceed $250,000, you are hit with an additional 15% tax on your concessional contributions. This is a common pain point for executives receiving large performance bonuses.

While the threshold remains fixed, the strategy is not. We look at timing. By effectively managing your reportable fringe benefits and utilising investment structures that offer tax-deferred growth, we aim to manage your 'Adjusted Taxable Income.'