Early Career
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Overview
You've spent years working for your future. Let's look after the details.
The final few years of your career. More time with family. A retirement you've been looking forward to. Or the responsibility of managing your own superannuation fund.
Whatever retirement looks like for you, there's plenty to think about before and after you finish working.
How will your income be taxed? What happens when you start drawing from your super? What responsibilities come with running an SMSF? And how do you keep everything organised as your circumstances change?
At Bon Conseil, we help Australians approaching retirement and SMSF trustees understand their tax obligations, manage fund administration and stay on top of compliance requirements.
Whether retirement is just around the corner or you've already started enjoying it, we're here to help make the financial details easier to manage.
Got something on your mind? We're all ears.
Tax questions. Business plans. Family finances. Investment ideas. Or that one thing you've been meaning to sort out for months.
You don't need to have it all figured out before getting in touch. That's what we're here for.
Services
How We Can Help
You've spent decades working, saving and building towards the next chapter. Now there are different decisions to make.
Maybe you're reducing your working hours. Thinking about how your income will change. Or managing an SMSF with investment records, annual reporting and compliance obligations to keep track of.
And while the idea of taking control of your super can be appealing, managing a fund comes with real responsibilities.
We'll help you understand the tax and administrative requirements, keep your financial affairs organised and know what needs attention as you move towards retirement.
[01]
Retirement-Related Tax Planning
Retiring from work can change where your income comes from and how different amounts are treated for tax purposes. Whether you're moving from full-time work to part-time employment, receiving superannuation payments or earning income from investments, we'll help you understand the tax implications of your changing circumstances.
✔ Tax planning before and during retirement
✔ Tax treatment of eligible superannuation benefits
✔ Tax implications of pensions and investment income
✔ Capital gains tax considerations
✔ Tax planning for changing income sources
[02]
SMSF Setup & Registration
A self-managed super fund gives trustees responsibility for the operation and compliance of their retirement savings. Setting one up involves decisions about trustee structures, documentation, registrations and ongoing administration. If you've decided to establish an SMSF, we'll help you understand the setup requirements and manage the practical steps involved, within the scope of our professional services.
✔ Individual and corporate trustee structure
✔ Trust deed preparation coordination
✔ ATO registration and setup requirements
✔ SMSF administration and accounting setup
✔ Explanation of ongoing trustee reporting obligations
[03]
SMSF Compliance
Running an SMSF involves more than keeping an eye on your investments. Trustees must follow specific superannuation rules, maintain appropriate records and ensure the fund meets its reporting obligations. We'll help you keep track of the requirements, understand what needs to be done and prepare for the fund's annual compliance processes.
✔ SMSF compliance reviews and support
✔ Annual reporting requirements
✔ Contribution & benefit payment compliance
✔ Record-keeping and documentations
✔ Independent annual audit coordination
[04]
SMSF Administration
An SMSF comes with plenty of ongoing administration, from recording transactions to preparing financial statements and keeping important documents up to date. We help manage the accounting and administrative work behind your fund, so the records are organised and the necessary information is ready when it's needed.
✔ SMSF bookkeeping and transaction recording
✔ Financial statement preparation
✔ Member balance and contribution records
✔ Trustee documentation and administration support
✔ Annual reporting and audit preparation
[05]
SMSF Tax Returns
Self-managed super funds have their own tax reporting obligations, separate from your personal income tax return. We'll help prepare your fund's financial information, report its income and expenses correctly and manage the annual tax return process. Whether your fund is accumulating retirement savings or paying retirement benefits, we'll help you understand the relevant tax and reporting requirements.
✔ SMSF annual tax return preparation and lodgement
✔ Fund income and expense reporting
✔ Contribution and distribution tax considerations
✔ Pension-related tax reporting
✔ ATO correspondence and tax queries
[06]
Inheritance & Wealth Transfer
For many people, retirement is also a time to think about what happens to the assets they've spent years building. From family trusts and investment properties to superannuation and business interests, different assets can have different tax and transfer considerations. We'll help you understand those implications and work alongside your legal and financial advisers as you plan for the people who matter to you.
✔ Inheritance-related tax considerations
✔ CGT implications of asset transfers
✔ Family trust and ownership structure reviews
✔ Superannuation death benefit tax considerations
✔ Coordination with estate planning professionals
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