Looking for a trusted SMSF accountant in Mornington?
At The Mount Martha Accountant, we help business owners, professionals, and investors take control of their superannuation through Self Managed Super Funds (SMSFs)—while ensuring full compliance with ATO and superannuation laws.
Whether you’re considering setting up an SMSF or need ongoing accounting and tax support, we provide clear guidance, structured solutions, and ongoing support.
👉 Book a Free SMSF Suitability Consultation
Why Consider an SMSF?
A Self Managed Super Fund allows you to:
- Take greater control over your retirement savings
- Invest in shares, property, and other assets
- Combine super balances with family members
- Implement tax-effective wealth strategies
SMSFs are a growing part of Australia’s retirement system, with over $1 trillion in assets and more than 660,000 funds nationwide. However, they come with significant responsibilities and compliance obligations, which is why working with a specialist SMSF accountant is critical.
Our SMSF Services – Mornington Peninsula
We provide a complete SMSF service offering:
SMSF Setup & Establishment
- SMSF trust deed & fund structure
- ABN, TFN & ATO registration
- Corporate trustee setup
- Bank account & administration setup
SMSF Accounting & Tax
- Annual financial statements
- SMSF tax returns
- Contribution tracking and reporting
- Pension and retirement phase reporting
SMSF Compliance & Administration
- Ongoing compliance monitoring
- Liaising with SMSF auditors
- Record keeping and documentation
- Assistance with ATO requirements
SMSF Strategy Support
- Contribution strategy implementation
- Fund structuring assistance
- Alan Maddick (one of the owners of the firm) is a licensed financial adviser and can provide Financial Advice on your Self Managed Super Fund as and when needed.
⚠️ Important: SMSFs are a financial product. The Mount Martha Accountant Pty Ltd provides accounting and compliance services and can work alongside a licensed financial adviser where personal financial advice is required.
Is an SMSF Right for You?
An SMSF may be appropriate if you:
- Have $300,000+ in superannuation
- Want greater control over investment decisions
- Are willing to take on trustee responsibilities
- Have a long-term investment mindset
However, an SMSF is not suitable for everyone. The decision should consider:
- Costs vs industry or retail funds
- Time and administration required
- Investment knowledge and risk tolerance
👉 We offer a structured SMSF suitability review to help you understand whether it is appropriate for your situation.
SMSF for Business Owners & Property Investors
We specialise in working with:
Business Owners
- Aligning super contributions with business profits
- Structuring wealth between business, trusts, and SMSF
- Long-term tax planning strategies
Property Investors
- SMSF property ownership structure
- Understanding borrowing rules (LRBAs)
- Ongoing compliance requirements
Many clients are choosing SMSFs due to increased flexibility and control, particularly those managing multiple assets or running a business.
Why Choose a Local Mornington SMSF Accountant?
Working with a local Mornington-based SMSF specialist means:
- Personalised advice tailored to your situation
- Face-to-face meetings when required
- Ongoing relationship (not just annual compliance)
- Local understanding of business and investment strategies
We are based in Mornington and work with clients across:
- Mount Martha
- Mount Eliza
- Somerville
- Mornington Peninsula
Our Approach – Structured & Compliant
Our process ensures clarity and compliance:
- Initial consultation – understand your situation
- SMSF suitability assessment
- Structure & setup
- Ongoing reporting and compliance
- Regular review of the fund’s performance and strategy
We focus on long-term structure and compliance, helping ensure your SMSF remains aligned with its sole purpose of retirement savings.
Frequently Asked Questions
How much does an SMSF cost?
Most SMSF accounting and compliance fees range between $1,000–$3,000 annually depending on complexity.
How much do I need to start an SMSF?
Generally, an SMSF is more cost-effective once combined balances exceed $200,000–$300,000, depending on your circumstances.
Can I buy property through an SMSF?
Yes, but strict rules apply around borrowing, ownership, and use.
Do I need a financial adviser?
You may require a licensed adviser if you are seeking personal financial advice about whether an SMSF is suitable for you.
Call to Action (Conversion Section)
Book Your SMSF Strategy Session
If you’re considering an SMSF or want a second opinion on your current fund:
✅ SMSF suitability assessment
✅ Review of your current super structure
✅ Clear explanation of risks and obligations
👉 Book your consultation today