Klear Picture Wealth Financial & Tax Advisors Melbourne


Engaged and Committed to your Financial Future


Klear Picture specializes Self Managed Superannuation Funds (SMSF) setup and administration for individuals and families around Melbourne, Australia. 

If you are based in Melbourne and are looking to setup an SMSF, Klear Picture is the perfect firm to contact. We have integrated financial planning, accounting, finance and more in Melbourne ready to assist you in setting up an SMSF.

We have many clients all over Australia, especially Melbourne. Whether you're in the inner suburbs of Melbourne, South Melbourne, North or Western Melbourne, you can easily visit a Klear Picture SMSF specialist at 203/517 Flinders Ln, Melbourne VIC 3000


Self Managed Super Funds (SMSF) ~ They're not for everyone


Take back total control of your Super

Greater investment control & flexibility

Estate planning

Effective tax management

Capacity to pool your super with up to four other individuals

Who are we?

At Klear Picture Melbourne, we offer bespoke care, while focusing on building strong and lasting relationships with each client. By cultivating a reliable, knowledgeable and friendly environment, we can help you understand your goals and tailor investment strategies to ensure you reach them.


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Fill in the form below or call us now on 03 9998 1940.



Are you just starting your research or ready to take the first steps towards your SMSF set up? Whatever stage you’re at, we can help you learn the SMSF basics in four simple steps. However they are more complex and also strictly regulated.

Setting up an SMSF means as a trustee, you can choose how to invest and manage your super savings. Below we explore the main benefits to managing your own superannuation.

Most superannuation funds will allow you to invest into shares, fixed interest and property via managed funds, but often with restrictions. SMSFs however can offer a large range of additional investment options including direct property, physical gold and other commodities, derivatives, and subject to strict requirements, collectables such as art work.

53% of SMSFs established for more than 10 years

SMSFs can also offer the flexibility of borrowing within your fund for investment. In particular, small business owners may hold their business premises within their SMSFs for a variety of reasons including asset-protection, succession planning and security of tenancy.


SMSF's in Australia


Billion in assets
  • Greater investment flexibility control

    Most superannuation funds will allow you to invest into shares, fixed interest and property via managed funds, but often with restrictions. SMSFs however can offer a large range of additional investment options including direct property, physical gold and other commodities, derivatives, and subject to strict requirements, collectibles such as art work.

26% average assets growth over 5 years

Contributions to SMSFs increased by 21% over the five years

  • Pool your super with up to three other individuals

    SMSFs provide you with the ability to pool your resources with up to three other members. This increased pool may allow you to access investment opportunities that may not be available otherwise. This further increases when gearing using this increased investment pool is considered.

  • Estate planning

    SMSFs offer great flexibility with your estate planning needs. If the fund’s trust deed allows it, SMSF members can make binding death benefit nominations that do not lapse, unlike many public offer superannuation funds which tend to require binding death benefit nominations to be updated every 3 years. In addition, SMSF members may have greater flexibility in specifying how death benefits are to be paid.


of all super assets


established 3 years or less


invested in Australian-listed shares


We love Melbourne and we are here to help you navigate through the minefield of setting up and running an SMSF.

Today, there are more than 1 million Australians who have made the decision to setup and run their own SMSF, which represents a combined asset value of more then $550 billion. One of the main motivation factors for the majority of these 1 million+ Australian's has been the desire for greater control over how their fund is invested and how it is managed.

Setting up and running a self-managed super fund (SMSF) gives you greater control over where your superannuation funds are invested. SMSF’s can also provide you access to a greater choice of investments such as direct shares and direct residential and commercial property investing, compared to managed superannuation funds, such as retail or industry funds.

When you become an SMSF trustee, you can invest in alternative assets such as artwork and practically any valuable asset. You can even purchase commercial property, such as a retail space or office and use that property in your business. Before you rush out and set up an SMSF because you’re so excited about the positives, you need to ask yourself three key questions:

  • Are you willing to run it with all the responsibilities until your retire?
  • Are you comfortable with making investment decisions?
  • Do you have enough superannuation to cover the fees whilst still making positive returns?

Setting up and running a self-managed superannuation fund (SMSF) is not a minor financial decision that should be taken lightly. When it comes down to it, all the responsibility for running the fund and complying with legislation rests solely with you as the trustee of the fund.

While SMSFs have proven to be a great decision for some people, they certainly don’t suit everyone. When you think about it, prior to your setting up an SMSF, your fund was managed by an investment fund specialist, and you are taking over control of this.


Things Melbournians should consider before setting up an SMSF

Managing your own superannuation, without professional help, takes time, knowledge, skill and money, so before deciding to set up an SMSF:

  • Consider whether you have – Either, the time, knowledge and skill to manage your own super fund, or partnership with a professional services form like Klear Picture Financial Planning.
  • Consider the costs to benefit ratio of running an SMSF with those of other retirement saving options and superannuation funds that may be more suitable to achieving your goals. Klear Picture will be able to assist you in assessing the benefits of setting up an SMSF.
  • Ensure that you keep in mind the sole purpose test in setting up the fund. Ensure that it is solely created and run to pay retirement benefits to members or the members’ dependants if the members die.
  • Check that you fully understand what’s involved (both costs and time) in managing your own SMSF and what it means to be a trustee.

An SMSF is just one strategy to manage your superannuation and save for your retirement. You should speak to an Klear Picture Wealth Planner who will help you consider other options before you make a final decision.

Disclaimer: This information has been prepared to provide you with general information only. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. In preparing this information, Klear Picture did not take into account the investment objectives, financial situation or particular needs of any particular person. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives and circumstances.

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