A Self-Managed Super Fund (SMSF) offers significant control, flexibility, and tax efficiency for individuals seeking to take a more active role in managing their retirement savings. But with that control comes complexity.
At EWK Private Wealth, we provide expert guidance to ensure your SMSF is structured correctly, compliant, and aligned with your goals.
Led by Eleonor Klopsch, a highly qualified financial planner and SMSF Specialist with over 30 years of experience, EWK delivers a fully integrated financial planning and SMSF advisory service; ensuring your retirement strategy is optimised, compliant, and future-ready.
Why Choose an SMSF?:
An SMSF can offer substantial benefits, including:
- Greater investment choice: Access to direct Australian and international shares, property, term deposits, and more.
- Full control: As a trustee, you make the decisions on how your funds are invested and managed.
- Tax advantages: Potential to pay only 15% tax in accumulation phase and 0% in pension phase.
- Cost efficiency: SMSFs can be more cost-effective than retail super funds, especially for balances above $1,000,000.
- Tailored estate planning: Enhanced control over how your super is distributed on death.
- Pooling family assets: Combine super balances with a partner or adult children for scale and investment leverage.
However, the structure is not suitable for everyone. It requires strategic oversight, careful planning, and professional advice to avoid costly errors. That’s where EWK comes in.
What Makes EWK Different?:
At EWK Private Wealth, we’re not a typical financial planning firm. We provide bespoke SMSF and tax strategies, designed around your total financial position.
Decades of Specialist SMSF Expertise
Eleonor has been advising on SMSFs since the 1990s. Clients benefit from her unique blend of accounting, tax, estate planning, and investment knowledge, ensuring yo
End-to-End SMSF Solutions
Whether you’re establishing a new SMSF or seeking expert support for an existing one, we handle all aspects, including:
Establishing a corporate trustee and drafting a tailored trust deed
ATO registrations, ABN/TFN applications, bank and broker setup
Investment strategy creation, contribution planning, pension commencement
Investment advice in line with client objectives, cash flow needs and risk profiles.
Strategic and Dynamic asset allocation supported by asset consultant specialists
Flexibility of investment spectrum to cater for client preference, e.g., property as part of the overall investment strategy
Ongoing compliance, advice and guidance on accessing allowable limits of concessional, personal and non-concessional contributions, withdrawals and recontribution strategies
We also identify and resolve common SMSF issues such as:
Outdated or missing investment strategies
Breaches of SIS regulations
Overexposure to low-return assets like cash
Unnecessary platform or wrap fees
Audit risks due to poor documentation or diversification
Integrated Tax and Retirement Planning:
As both an accountant and a financial planner, Eleonor ensures that your SMSF works harmoniously with your broader financial picture. We help clients:
Maximise concessional and non-concessional contributions
Implement transition to retirement (TTR) and account-based pensions
Managing TTR and ABP pensions for taxable and tax free segregation, minimum pension payments, transfer balance caps, and total super balances. Binding death nominations
Managing TTR and ABP pensions for taxable and tax free segregation, minimum pension payments, transfer balance caps, and total super balances. Binding death nominations
Coordinate SMSF strategies with your estate planning and tax position
Investment strategy preparation for audit purposes at least annually
Audit
Final tax return
A Clear View of Your Future
We provide cashflow and retirement modelling that helps you make informed decisions. Whether you’re five years from retirement or already drawing a pension, we work with you
to model:
Sustainable income streams
Lifestyle expenses and one-off needs (e.g. travel, renovations)
How long your capital is likely to last
Opportunities to reduce tax and access government concessions (such as the Commonwealth Seniors Health Card)
Who We Help
We typically work with clients who:
Have $1 million or more in superannuation savings
Are seeking full control and transparency over their retirement funds
Already operate an SMSF and want expert advice, structure, and peace of mind
Are nearing retirement and want to simplify and optimise their affairs
Value long-term relationships with trusted professionals
The SMSF service provides a seamless approach to completing audits and operating the fund in the background by specialists on the client’s behalf.
Whether you are a business owner, executive, recently divorced, or a retiree planning your legacy, we tailor your SMSF strategy to support your unique circumstances.
Ready to Take Control of Your Super?
Let’s create an SMSF strategy that works for you. One that gives you freedom, clarity, and financial security.
Book a confidential consultation with Eleonor Klopsch today +1300 954 041