SMSF Gold Coast
Welcome To BIS Super
At BIS Super, we are dedicated to simplifying your journey with Self Managed Super Funds (SMSFs).
For years, traditional industry superfunds were the only choice for retirement planning. The introduction of SMSFs transformed the financial landscape, giving Australians greater autonomy over how and where their retirement nest egg was being invested.
What began as merely an idea in the early ’90s has since evolved into our specialised team of SMSF Specialist Advisers, boasting over 35 years of combined experience.
Based on the Gold Coast and in Brisbane, BIS Super is committed to helping you take charge of your retirement with a comprehensive range of SMSF services tailored to your unique needs.
We know that everyone’s financial journey is different, which is why we approach every situation with tailored insight and a meticulous eye for opportunity. We work closely with you to uncover hidden potential within your current SMSF strategy, ensuring it aligns perfectly with your goals for your financial future.
Comprehensive SMSF Services
With over 3 decades of experience, our team of accredited SMSF Specialists is well-equipped to guide you through the complexities of SMSFs. Whether you’re setting up a new fund, seeking advice, or needing ongoing administration support, we provide tailored solutions that align with your financial goals.
Our suite of services include every aspect of SMSF management, ensuring that your fund is optimised for growth, efficiency, and long-term success. We specialise in:
SMSF Setup
Assess if an SMSF is right for you and get started with confidence.
SMSF Advice
Enhance your current strategy with expert insights.
SMSF Accounting
Ensure your fund’s compliance with precise accounting and financial reporting.
SMSF Property + Borrowing
Explore the benefits of property investment through your SMSF.
SMSF for Accountants & Advisers
Offer your clients our white-label SMSF services for a seamless experience.
Meet Our SMSF Specialists
Why Choose Our SMSF Advisers?
Our team is our greatest asset. With a combined 35+ years of experience, our Specialist SMSF Advisers bring a wealth of knowledge and a passion for helping clients achieve their financial goals.
Brian Cosgrove
Founder and Managing Director, SMSF Specialist Adviser (2005)
Renee Gamble
Director and Principal Adviser, SMSF Specialist Adviser (2017)
Darin Trounce
Principal Adviser, SMSF Specialist Adviser (2019)
Justin Doyle
Principal Adviser, SMSF Specialist Adviser (2023)
Expert Advice You Can Trust
Since our inception, BIS Super has expertly navigated the ever-changing landscape of superannuation and tax legislation. We have consistently delivered valuable SMSF advice to hundreds of trustees, helping them make informed decisions about their retirement. Our services extend beyond just managing your SMSF; we provide strategic guidance on:
- Determining if SMSF is the right structure for you
- Maximising tax and asset protection outcomes
- Contribution and pension strategies
- Estate planning opportunities within SMSF
- SMSF wind-ups when the fund is no longer needed
Comprehensive SMSF Strategy Reviews
Managing your Self-Managed Super Fund (SMSF) comes with unique opportunities, and complexities.
Our SMSF Specialists in Brisbane and the Gold Coast, work closely with Trustees to deliver tailored strategies across all facets of SMSF management, helping you to take advantage of opportunities you may be unaware of.
Providing expert guidance, our SMSF Strategy Reviews can assist with:
- Tax Efficiency & Strategic Planning: Unlocking the full tax advantages of an SMSF, from lower capital gains tax rates and concessionally taxed investment earnings, to ultimately, tax-free income streams in retirement.
- Contribution Strategies: Structuring your contributions effectively, to maximise allowable contribution caps, boost your retirement savings, and optimise tax benefits available to your SMSF.
- Superannuation Balance Equalisation: Managing contributions and withdrawals, equalising superannuation balances between spouses, providing tax efficient outcomes both now and in retirement.
- Long-Term Wealth Optimisation: Ensuring your SMSF is working for you now, while aligning with your long-term retirement goals.
- Property Acquisition Within Your SMSF: Navigating the complexities of purchasing property within your SMSF, ensuring compliance, while leveraging the benefits of property investment within a superannuation structure.
- Estate Planning: Structuring your SMSF to ensure your assets are protected, tax efficient and are passed on according to your wishes.
With our expert knowledge and strategic approach, we help you to make the most of your SMSF—helping you to build and protect your SMSF with confidence.
SMSF Advice
Our team of certified SMSF Specialist Advisers that form BIS Super are a wealth of knowledge and expertise. We provide quality strategic advice in all areas of SMSF from establishment to windup and everything in between.
Structural Advice
As SMSF Specialist Advisers, we know the unique challenges and opportunities that come with managing your SMSF. We take the time to understand your specific goals, whether that’s maintaining investment control, optimising tax outcomes, protecting assets, planning for succession, or securing your wealth for retirement.
Whether you are establishing a new SMSF or reviewing and refining your existing Fund, we guide Trustees to make informed decisions that enhance fund growth, improve tax efficiency, safeguard assets, and support long-term retirement objectives.
Unlock the full potential of your SMSF with our expert support.
Contribution Strategies
A well-designed contribution strategy is essential for making the most of your self-managed super fund (SMSF). Our focus is on developing strategies that are compliant, tax-effective, and tailored to your personal financial goals.
Our SMSF Specialists will work with you to determine the most effective contribution types, amounts, and timing, helping you to grow your superannuation balance while taking advantage of the tax concessions available within superannuation.
Our experienced team is here to deliver expert, personalised strategies to help build your retirement savings and make the most of contribution options available to you.
Borrowing within Your SMSF
Borrowing within your self-managed super fund (SMSF) can open the door to valuable investment opportunities, particularly in property, allowing you to build wealth strategically even when cash flow is limited.
While SMSF lending can be complex and is subject to strict regulation, our team specialises in helping Trustees navigate this space with confidence. We’ll work with you to structure borrowing arrangements that are compliant, align with your funds cashflow and support your SMSF’s long-term investment goals.
If property is part of your SMSF’s investment strategy or on your wish list, we’re here to help you unlock those opportunities the right way, with expert advice at every step.
Investment Advice
Insurance
Pension Strategies
Our expert advisers deliver tailored solutions to help you through the pivotal transition from accumulation to pension phase. We guide you through the establishment of account-based pensions, navigating your transition to retirement, and optimising your drawdown strategies. With focus on maximising your retirement income through your SMSF while preserving your wealth, we ensure your plan is not only sustainable, but aligned with the lifestyle you’ve earned.
Estate Planning
Estate planning is far greater than just a will, and should be treated as such. Preserve your wealth and protect your legacy with expert SMSF estate planning strategies. An SMSF offers unique opportunities for estate planning and asset protection, allowing you greater control over how your wealth is transferred to future generations.
Our experienced advisers deliver strategic, tailored advice to help you structure your SMSF to minimise tax implications for your beneficiaries and ensure your assets are distributed precisely according to your wishes. We work closely with you to create a comprehensive estate plan that safeguards your family’s future and provides lasting peace of mind.
SMSF Windup
When it comes time to wind up your Self-Managed Super Fund, having the right guidance is crucial. As SMSF Specialists, we take the time to understand your unique situation and the reasons behind your decision to wind up your fund.
Whether it’s due to changes in your financial goals, a shift in personal circumstances, or a desire to simplify your retirement planning, we are here to help you navigate the process seamlessly, ensuring you meet all legal, taxation and compliance obligations. From assistance with asset transfers/selldowns or exploring alternative options, we work closely with Trustees to provide guidance not only on winding up their SMSF but on what comes next.
Take Control of Your Financial Future
Your financial success begins with the right advice. At BIS Super, we are committed to helping you unlock the full potential of your SMSF. Whether you’re just starting out or looking to refine your strategy, we are here to guide you every step of the way.
Contact Us Today
DISCOVER HOW BIS SUPER CAN HELP YOU ACHIEVE FINANCIAL FREEDOM AND PEACE OF MIND
SMSF FAQs
What is an SMSF?
A Self-Managed Super Fund (SMSF), like the name implies, is a private superannuation fund that you manage yourself, giving you greater control over how your retirement savings are invested.
Unlike traditional retail or industry super funds that are managed on your behalf, an SMSF puts you in the driver’s seat. You get to choose where and how your money is invested, and are also responsible for meeting and managing compliance and reporting obligations.
At BIS Cosgrove, we offer end-to-end guidance for those seeking a more personalised and strategic approach to super, including fund establishment, investment strategy, compliance, administration, structuring, lending advice, and retirement planning. We help you establish and manage your SMSF with confidence, offer specialist advice and support every step of the way, and provide a tailored investment strategy that suit your goals and circumstances.
Why choose an SMSF?
An SMSF can be a powerful investment tool, one that’s becoming increasingly popular among investors who are seeking greater flexibility, transparency, and autonomy over their financial future. Some of the key advantages include:
- Greater control: Design and manage your own investment strategy, aligned with your risk profile, retirement goals and values. From local commercial property to ASX-listed shares, you decide how and where your funds are invested.
- Broader investment options: With an SMSF, you can access investment options not typically available in retail funds — including property, shares, ETFs, cash, fixed interest, physical gold and even certain collectables
- Flexibility: As a trustee, you have the flexibility to change your investment strategy at any time. Whether shifting towards growth assets or adopting a conservative approach, an SMSF allows you to make adjustments that fit your changing needs.
- Tailored tax planning: With the right strategy, SMSFs can offer considerable tax advantages both in the accumulation and retirement phases, including access to concessional tax rates and capital gains concessions, particular for pension phase members over 60.
- Estate planning advantages: SMSFs allow for more tailored estate planning strategies, helping you proactively manage how your super will be distributed to your beneficiaries after you’re gone.
- Cost control: For larger balances, SMSFs prove more cost-effective over time compared to traditional super funds with percentage-based fees.
However, with greater control comes greater responsibility. That’s why our SMSF advisers provide the structure, support and strategic advice you need to make an SMSF work for you, ensuring you’re well-supported at every stage.
Is self-managing your super the right fit for you?
An SMSF isn’t a one-size-fits-all solution. Managing your own super comes with legal responsibilities and obligations, including trustee duties, compliance and reporting requirements. It’s not a set-and-forget option — but with the right support, it can be a powerful tool for building and managing your wealth. If you’re considering setting up an SMSF, our initial discovery meeting can help assess whether it’s the right fit for you. We’ll walk you through your obligations, discuss the pros and cons, get clear on your goals and objectives, and provide clarity around what’s involved in the process.
Key considerations include:
- Do you have the time and interest to stay across your fund’s obligations?
- Are you comfortable making investment decisions — or open to working with an adviser who can help?
- Is your super balance (individually or combined with others) large enough to justify the costs of running a fund?
Still unsure? Check out our blog: ‘Is a Self Managed Super Fund (SMSF) right for you?‘.
Can I purchase property through my SMSF?
Yes. Investing in residential or commercial property through an SMSF is possible, including in high-demand markets like the Gold Coast and Brisbane. This can be done using either available funds or through a borrowing arrangement known as a Limited Recourse Borrowing Arrangement (LRBA).
Here’s how it works:
The LRBA allows the SMSF to take out a loan to buy a residential or commercial property, with the asset held in a separate trust until the loan is repaid. The key benefit is that if the SMSF defaults, the lender can only claim against the specific asset purchased, not other assets in your SMSF, providing greater protection for your overall fund.
However, strict rules apply. The property must meet the ‘sole purpose test’ of providing retirement benefits, cannot be acquired from related parties, and generally cannot be lived in or rented by SMSF members or their relatives.
Are there tax benefits of having an SMSF in QLD?
SMSFs are subject to concessional tax rates under federal superannuation law, but there are strategic advantages worth considering, especially if you’re based in Queensland:
- In the accumulation phase, your SMSF typically pays just 15% tax on investment earnings and concessional contributions, including rental income. This is significantly lower than most marginal tax rates.
- In retirement phase, members aged 60+ may pay no tax on income and capital gains earned within the fund.
- Queensland currently has no additional state-based land tax thresholds specific to SMSFs — providing an edge for property investors compared to other states.
How do I transfer my existing super into an SMSF?
At BIS Cosgrove, we make transferring your existing super into an SMSF seamless and straightforward, guiding you through every step.
- Initial consultation: We start with an initial discovery meeting to review your existing super and determine if an SMSF aligns with your financial goals and circumstances.
- SMSF setup: We handle the fund establishment, including trust deed preparation, ABN/TFN registration and bank account setup.
- Rollover planning: We help manage the transfer of funds from your existing super accounts with minimal disruption and tax impact.
- Provider liaison: We coordinate with your current fund providers to ensure a seamless rollover.
- Investment strategy: We develop a personalised investment approach, tailored to your unique risk profile, with investments options including local property, equities and diversified assets.
- Ongoing support: Our SMSF Specialist Advisers handle your fund’s ongoing compliance, reporting and regulatory obligations year-round, ensuring your fund is meeting its obligations for everything from annual audits to tax lodgements.
With BIS Cosgrove on your side, you gain more than just an SMSF. You gain clarity, confidence and a long-term strategy built around your financial goal.
SMSF News & Articles
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A Self-Managed Super Fund, or SMSF, is an attractive option for anyone that’s after greater control over their investment decisions.
