The Great Australian Dream started with a boardroom conversation over coffee and idle "what ifs" - this newsletter takes you back to the very beginning to how we realized we had the knowledge, the contacts and the skillset to bring it all together.

September 30, 2025

• Right now, millions of Australians are sitting on hundreds of thousands of dollars in super and most have no idea what’s actually possible with it.

• We’ve been taught to think about superannuation one way: You put money in, you wait 30 or 40 years, and you hope it’s enough. [action: OL YouTube education video OL/SKOOL module KS]

• But hope isn’t a strategy. And doing nothing with super is still a decision people are actively making [action: YouTube education video/SKOOL module KS]

• Meanwhile, property keeps moving. Opportunities pass. And super just sits there untouched, inactive and working far below its potential [action: YouTube education video OL/SKOOL module KS]

Here’s where it got interesting. Downloads, Insights.

• With the right structure, super can become part of a strategic property plan. Not just any property but something aligned with a family’s future. [Action KS/OL/PC to vet contacts who will align with the vision of assisting within our people before profit model]

• Assetora Subfund Model?? [OL contact GT/DY]

Traditionally, buying property inside super is complicated: Bare trusts. Complex lending. A maze of moving parts - the Assetora model simplifies this.

• It allows an SMSF to invest in property through a subfund structure, where the loan sits inside the subfund, not directly in an SMSF [KS self-educate more about this model with GT/DY mentors]

[OL has knowledge/experience/contacts ✔️ No bare trust required ✔️ More flexibility ✔️ And importantly: related parties can co‑invest through units]

GOAL: allow our clients to Imagine they're super working alongside a broader family strategy. This is where we educate clients to shift from retirement thinking to legacy thinking.

Educate with factual information and a strategic team for equity loans -> allocating funds with monthly cashflow -> cashflow services the equity loan -> [wait... what if clients had private funds to invest??] PRIVATE FUNDS or SMSF FUNDS

The question for our clients stops being:

Will I have enough to retire on?

And becomes:

How can I use what I already have to create opportunity for my family?

That’s a completely different mindset. And it’s exactly why the future of super is self‑managed [SMSFai will set up the SMSF trust structure to allow subfund loans - OL to action]

• Construct a strategy for clients to invest for cashflow (action KS]

• Equity loans that will be serviced entirely by the cashflow [action KS]

• What if we developed a strategy whereby the cashflow could pay out the loan within 4 years? Mathematically doable/institutionally challenging (action OL/KS]

Team Building and Partnership Relations: PC

Super isn’t just a retirement fund. It’s an opportunity. Let's make this HUGE for everyone who has an SMSF and then for people who have private funds.

Minimum investment? [note that not everyone wants a house, many want a reliable, automatic disbursement. Reverse engineer case studies where clients have described their goal of $100k per year/$200k per year/$500k per year in retirement funds so we know the amount clients need to allocate in order to achieve these monthly goals - KS action]

Reach out or visit smsfai.com.au to explore what’s possible as a client or a partner