Callaghans

📢 Attention SMSF Trustees — the landscape is changing.

The Division 296 tax means individuals with superannuation balances above $3 million could soon face additional tax. It's one of the most significant changes to super in years, and the implications for your SMSF strategy could be substantial.

Now is the time to be asking:

✅ How does Div 296 affect my SMSF balance and tax position?
✅ Should I be restructuring contributions or pension strategies?
✅ Are there assets inside my SMSF that need to be reconsidered?
✅ Is my SMSF still the right vehicle for my retirement goals?

At Callaghans, we specialise in SMSF strategy, financial planning, and accounting — all under one roof. Whether it's navigating Div 296, managing your annual SMSF tax return, or reviewing your broader investment strategy, we've got you covered!

📍 Based in Canberra | 💼 CFP-led advice | 🔢 SMSF accounting & tax

Don't wait until the rules change around you — let's get ahead of it together.

👉 Call us on (02) 6256 6000 or email [email protected]. We're happy to start with a no-obligation conversation.

Our team - Chih Leong Tang & Daniel Conroy - has just returned from the SMSF Association National Conference in Adelaide full of fresh ideas and insights!

It was a fantastic few days immersed in the latest thinking around Self-Managed Super Funds - from regulatory updates and compliance changes to investment strategies and retirement planning best practices. Events like these are how we stay sharp and make sure our clients are always getting advice that's current, compliant, and genuinely in their best interests.

If you have an SMSF - or you're thinking about setting one up - now is a great time to make sure your structure is working as hard as it should be for your retirement goals.

We offer both SMSF Accounting and Financial Advisory services, so whether you need help with compliance, tax, or strategy, we've got you covered.

Get in touch with us today: https://www.callaghans.com.au/contact/

Heads-up for Australian super holders: from 1 July 2026, Division 296 brings a big change if your total super balance (TSB) exceeds $3 million. The reform will apply an additional tax on the portion of super earnings attributable to balances above that threshold - even if some of those funds are already in retirement phase.

If your total super balance is nearing or above this threshold, now is the perfect time to review your strategy and understand how the changes could affect you.

We have qualified financial advisers who can help you navigate these new rules and plan ahead with confidence.

Contact us on (02) 6256 6000.

Running your own super fund? Let’s make sure it’s done right!

Managing an SMSF can be powerful — but it also comes with strict rules and big responsibilities. That’s where we come in.

We are Canberra-based accountants specialising in SMSFs, helping with:

✅ SMSF tax returns & compliance
✅ ATO audit prep
✅ Advice on property & investments inside super

Whether you're due for a review, unsure about your investment strategy, or just want peace of mind — we’re here to help.

Contact us on (02) 62566000 to discuss your needs or visit our website for more information - https://www.callaghans.com.au/services/self-managed-super-funds/

Self Managed Super Funds – Callaghans Manage your retirement savings with confidence. Callaghans offers expert self-managed super fund advice and services in Belconnen, Canberra.

Unlock the Power of Self-Managed Super Funds (SMSFs)

Are you looking for greater control over your retirement savings and investment decisions? A Self-Managed Super Fund (SMSF) could be the key to taking charge of your financial future!

At Callaghans, we specialise in providing expert SMSF services to help you:

✅ Tailor your investment strategy to align with your personal goals
✅ Gain full transparency and control over your super
✅ Navigate complex tax structures and compliance requirements with ease
✅ Ensure your SMSF is set up and managed in line with the latest regulations
✅ Comprehensive administration and accounting services to ensure your SMSF complies with all regulatory requirements

Whether you’re starting an SMSF, looking for ongoing support, or need assistance with compliance and reporting, our team of professionals is here to help you every step of the way.

Callaghans is proudly partnered with industry leaders, including:

• Class Super: A leading SMSF software provider
• ASF Audits: The largest independent SMSF auditor, winner of multiple awards
• NowInfinity & Super Comply: Industry-leading SMSF compliance and legal template providers

Take the first step towards a secure and customised retirement strategy with Callaghans. Contact us today to learn more about how an SMSF can work for you!

Self Managed Super Funds – Callaghans Manage your retirement savings with confidence. Callaghans offers expert self-managed super fund advice and services in Belconnen, Canberra.

On behalf of Callaghans, you are cordially invited to the 10th annual Michael Williams Memorial Golf Day!

To join us for a fun day on the green please register using this link - https://callaghansforms.formstack.com/forms/golf_day_2024_registration