Connected advice for business decisions
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SMSF & Superannuation
Super is one of the largest assets. It should be treated like one
For BLG's clients, super isn't an administrative obligation. It's a strategic position that connects to business direction, succession timing, and personal wealth.
When super is managed in isolation, decisions get locked in before anyone tests the flow-on effects. Contribution timing that made sense three years ago doesn't reflect current cash flow. Pension planning assumes a retirement date that's already shifted. The room to move shrinks faster than most owners realise.
Where BLG is involved
Selling to a third party. Handing over to family. Management buyout. Partial exit with ongoing involvement. Winding down. Restructuring ownership before any of these.
These paths don’t just differ in structure. They carry different consequences for what you keep, what you give up, and what it means for the people around you. BLG tests those consequences before the terms are set.
What BLG's involvement looks like here
An owner five years from intended retirement. Super balance is significant. Contribution strategy has been consistent.
But the business exit timeline has shifted. The original plan assumed a sale at sixty-two. Now it’s looking more like fifty-eight. The super strategy still assumes sixty-two.
BLG tests what that shift actually means: can they make a CGT exempt contribution, what are the conditions of release to access their superannuation, whether they lose the ability to optimise concessional contributions in the final years, and what happens to estate planning if the balance is larger than expected at transition.
The super strategy gets reconnected to what’s actually happening. Before the options narrow further.
The adviser who knows the exit timeline is the one looking at the fund
They’re not waiting for a brief from another adviser. They already know when the business sale is likely. How the personal wealth position has evolved. What’s already in motion.
When the timeline shifts, the super conversation doesn’t start from scratch.
Connecting business wealth with personal outcomes
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Tax advice that considers the whole picture
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Planning for the decision that changes everything
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Accurate reporting that supports better decisions
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