Managing an SMSF doesn’t need to be complicated or costly. At Bronson Financial Services, we use a clear and proven model and proprietary advice process that blends low cost investing, practical cash flow planning and compliance; so you stay in control with a trusted adviser beside you.
Our approach is straightforward with your SMSF and retirement income. We focus on transparent investing, practical cash flow planning and full compliance; so you stay in control without the complexity.
What defines our model
Low cost ETFs: The core investment with no platform fees. Broad diversification using ASX listed, CHESS-held ETFs for direct HIN ownership, clarity and fewer layers of cost.
Cash flow modelling: Retirement planning starts with what you want to spend. We model income, expenses and “what ifs” and design a liquidity buffer to fund pensions smoothly.
Full investment compliance: A documented investment strategy aligned to the rules (e.g. Regulation 4.09), clean records and updates in plain English, so you’re audit ready and compliant.
Control, minus the admin burden: You always know what you own and why. We keep the process simple and help you action changes sensibly.
Stewardship and reviews: Regular check ins (typically semi annual) to review performance, costs, cash flow and any life changes. We refine the plan as you go.
Risk management that’s practical: Scenario testing for market shocks, sequencing risk and big one off expenses; rebalancing with a clear rationale.
Work with your existing professionals: We provide financial planning advice and your accountant handles tax and returns. We coordinate data and where needed, liaise with your lawyer on SMSF estate planning elements.
Designed for $750k plus balances: Best suited to clients with larger balances in super seeking low fees, clarity and a long-term partner.
Paul has applied this model for more than 20 years. He is the steady hand for clients with an SMSF and uses the model and proprietary advice process to ensure clients receive an optimised service.
Our proprietary SMSF advice process
Our step by step SMSF advice process gives you clarity, confidence and control; from understanding your goals to keeping your fund compliant, low cost and goal driven. It’s designed for SMSF trustees who want professional guidance, transparent investing and peace of mind that the SMSF essentials are covered.
How our SMSF process works in seven clear steps
Step 1: Define your objectives and risk profile
We start with what matters to you with your SMSF and retirement strategy: growth, income or preservation. Then we map your risk tolerance, time horizon and liquidity needs so the strategy fits.
Step 2: Review your current position
We assess your portfolio, fees, documents and investment strategy to spot gaps, overlaps and compliance risks. We also identify practical savings.
Step 3: Set the strategic asset allocation
Together we decide the right mix (equities, income and defensives) aligned to your risk profile and goals. This ensures you can stay the course through market ups and downs.
We favour ASX listed ETFs with direct CHESS-held HIN ownership for transparency and lower fees. This is supported by clear portfolio reporting in Xplan to make governance and record keeping easy.
Step 5: Stress test and scenario model
We model “what ifs”, from market shocks to rate moves, so you know how your plan holds up and where to fine-tune before you act.
Step 6: Implement and monitor
We phase changes sensibly, track results, rebalance with intent and meet every six months to review progress and next steps.
Step 7: Review and refine
Life evolves, markets move and regulations change. We keep your plan current with updates for cash flow modelling, pensions and documentation so you remain confident and compliant.
In our SMSF we were sitting on too much cash, missing out on growth. Paul built us a diversified ETF portfolio that keeps risk in check while our retirement savings grow.
J and S Parkinson
GET FREE CONSULTATION (OR) CALL US: +1 (605) 475 6968
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