In this episode of The Accountant That Builds, Financial Adviser and Accountant, Shannon Smit, dives deep into the compelling world of using self-managed super funds (SMSFs) to invest in property. With her signature energy and expertise, Shannon explains the mechanics of SMSFs, contrasting them with retail and industry super funds, and revealing the unique power they offer individuals to take control of their financial future.
From tax advantages like 15% tax on rental income and zero tax on capital gains in pension phase, to leveraging super contributions as a way of indirectly gaining a tax deduction to purchase property, Shannon breaks it all down in a way that feels accessible and strategic.
She shares real-life client stories, including her own, where commercial properties—like office buildings or factories—are purchased within SMSFs and leased back to businesses, creating long-term wealth and tax efficiency. Shannon also unpacks the rules around residential property—highlighting strict limitations on personal use—and discusses how smart structuring can open up even more opportunities.
The episode is rich with advice on managing diversification within your super, planning for liquidity in retirement, and transitioning properties out of super in pension phase—all while navigating the complexity with professional support. If you’ve ever considered turning your super into a wealth-building tool through property, this episode is a goldmine of insights and practical guidance.

In this episode of The Accountant That Builds, Financial Adviser and Accountant, Shannon Smit, dives deep into the compelling world of using self-managed super funds (SMSFs) to invest in property. With her signature energy and expertise, Shannon explains the mechanics of SMSFs, contrasting them with retail and industry super funds, and revealing the unique power they offer individuals to take control of their financial future. From tax advantages like 15% tax on rental income and zero tax on capital gains in pension phase, to leveraging super contributions as a way of indirectly gaining a tax deduction to purchase property, Shannon breaks it all down in a way that feels accessible and strategic. She shares real-life client stories, including her own, where commercial properties&mdash;like office buildings or factories&mdash;are purchased within SMSFs and leased back to businesses, creating long-term wealth and tax efficiency. Shannon also unpacks the rules around residential property&mdash;highlighting strict limitations on personal use&mdash;and discusses how smart structuring can open up even more opportunities. The episode is rich with advice on managing diversification within your super, planning for liquidity in retirement, and transitioning properties out of super in pension phase&mdash;all while navigating the complexity with professional support. If you&rsquo;ve ever considered turning your super into a wealth-building tool through property, this episode is a goldmine of insights and practical guidance.

Welcome to The Accountant That Builds, a workshop style business and finance podcast focused on providing actionable advice to empower individuals and business owners to build lives and businesses they really love.

When host Shannon Smit decided to start her own accounting and business advisory firm, she had a vision from the beginning. With a career spanning global firms in New York, Prague, Amsterdam and Melbourne, Shannon chose to forgo a partner position at a Big 4 firm in New York, in favour of setting up a globally minded, local approach firm offering strategic tax, business and financial advisory in her local region, Mornington Peninsula. She wanted to give local business owners access an advisor with extensive global expertise, without having to travel to the city.  17 years on, and she’s got stories to tell about business and wealth building! Are you ready to build your business and your wealth?  

www.smartbusinesssolutions.com.au/podcast

Welcome to The Accountant That Builds, a workshop style business and finance podcast focused on providing actionable advice to empower individuals and business owners to build lives and businesses they really love.
When host Shannon Smit decided to start her own accounting and business advisory firm, she had a vision from the beginning. With a career spanning global firms in New York, Prague, Amsterdam and Melbourne, Shannon chose to forgo a partner position at a Big 4 firm in New York, in favour of setting up a globally minded, local approach firm offering strategic tax, business and financial advisory in her local region, Mornington Peninsula. She wanted to give local business owners access an advisor with extensive global expertise, without having to travel to the city.  17 years on, and she’s got stories to tell about business and wealth building! Are you ready to build your business and your wealth?  
<a href="https://www.smartbusinesssolutions.com.au/podcast/">www.smartbusinesssolutions.com.au/podcast</a>

The Accountant That Builds

Welcome to The Accountant That Builds, a workshop style business and finance podcast focused on providing actionable advice to empower individuals and business owners to build lives and businesses they really love.

When host Shannon Smit decided to start her own accounting and business advisory firm, she had a vision from the beginning. With a career spanning global firms in New York, Prague, Amsterdam and Melbourne, Shannon chose to forgo a partner position at a Big 4 firm in New York, in favour of setting up a globally minded, local approach firm offering strategic tax, business and financial advisory in her local region, Mornington Peninsula. She wanted to give local business owners access an advisor with extensive global expertise, without having to travel to the city.

17 years on, and she’s got stories to tell about business and wealth building! Are you ready to build your business and your wealth?  

Welcome to The Accountant That Builds, a workshop style business and finance podcast focused on providing actionable advice to empower individuals and business owners to build lives and businesses they really love.
When host Shannon Smit decided to start her own accounting and business advisory firm, she had a vision from the beginning. With a career spanning global firms in New York, Prague, Amsterdam and Melbourne, Shannon chose to forgo a partner position at a Big 4 firm in New York, in favour of setting up a globally minded, local approach firm offering strategic tax, business and financial advisory in her local region, Mornington Peninsula. She wanted to give local business owners access an advisor with extensive global expertise, without having to travel to the city.
17 years on, and she’s got stories to tell about business and wealth building! Are you ready to build your business and your wealth?

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