LEVELS OF SERVICE
At Cyber SMSF, we have three levels of individual services and offer specialist administration or documentation support. Please read the scenarios below to understand which investor you are and whether you may need to engage our services.
SAVVY INVESTOR

Joe and Linda are a retired couple who are self funded in their retirement. Part of the strategy for their SMSF is to invest in direct equities on the Australian Stock Exchange. Dividends and franking credits assist with cash flowing their pension payments. Joe and Linda use our services and fall into the category of Savvy Investors.
Phil is a single gentleman in his 30’s. Part of Phil’s strategy for his SMSF is to trade direct equities on the Australian Stock Exchange. He uses an online share brokerage firm that executes his trades for him.
Other investments that we see with our Savvy Investors are bank accounts & term deposits. To find out what services we can assist you with if you are considered a Savvy Investor, click below.
PREMIUM INVESTOR
Mark and Rita are a couple in their 50’s with their own SMSF. In addition to having a bank account and direct equities on the Australian Stock Exchange, they also have a residential investment property on the Gold Coast. They use the services of an independent property manager to look after the day to day running of their residential property. Mark and Rita use our services and fall into the category of Premium Investors.
Jason and Jim are business partners and members of the same SMSF. As part of their investment strategy they have purchased a commercial property in Nerang and the tenant for this property is unrelated to them. Jason and Jim fall into the category of Premium Investors.
Had either Mark and Rita or Jason and Jim taken out a limited recourse loan to purchase their property they would still be considered a Premium Investor.
Other investments that we see with our Premium Investors are bank accounts, term deposits and listed direct equities. To find out what services we can assist you with if you are considered a Premium Investor, click below.
ULTIMATE INVESTOR
Mike and Jenny run their own mortgage broking business. They have the opportunity to invest in an unlisted investment (this investment does not trade on a stock exchange and could be shares in a company or units in a unit trust). Mike and Jenny are not majority shareholders in this investment and they do not control the day to day running of the investments. Also, they understand the valuation requirements that an SMSF has for these types of investments. As such, Mike and Jenny fall into the category of Ultimate Investors.
Other investments that we see with our Ultimate Investors are bank accounts, term deposits, listed direct equities, multiple direct property investments and collectibles. To find out what services we can assist you with if you are considered an Ultimate Investor, click below.

ADMINISTRATION
Real time administration is vital to running your SMSF as it allows you to make informed decisions regarding your fund. We offer a broad range of administration services which ensures you are compliant with the regulatory and legislative requirements in all aspects. Our services include:
• Preparation of Financial Statement and Tax Return
• Tax Lodgement Services
• Liaising with the Independent Auditor for the Annual Audit
• Access to our Online Document Portal
Additional items include:
• Annual Independent Audit (by a third party provider)
• Actuarial Certificate
• ASIC Registered Agent Service (Special Purpose Company)
• ASIC Registered Agent Service (Standard Comp)
DOCUMENT SERVICES

CREATION
• Deed of Establishment
• Corporate Trustee Establishment
• Membership Applications
• ATO Trustee Declarations

OPERATIONAL
• Change of Trustee
• Deed Amendments
• Transition of Members
• Structural change to the Trustee
• Limited Recourse Borrowing Arrangement

ACCESS TO BENEFITS
• Pension Establishment
• Pension Commutation
• Death Benefit Pensions
• Lump Sum Withdrawals
CLOUD SOFTWARE

Our chosen software is Class Super which provides access to over 180 direct-connect data feeds for banks, broker accounts and wrap facilities. These feeds do not give us access to your accounts nor can we act on your behalf. Rather, these data feeds provide historical transactions to flow directly to the software plus daily valuations and market data including income entitlements.
This software enables us to deliver our services in an efficient and timely manner.