Situation
A local husband and wife in their early 40s first came to Intrepid Wealth with modest superannuation balances and a clear focus on building long-term financial security.
At the time, a straightforward Hub24 Super Accumulation Account was the most appropriate structure. This allowed their superannuation to grow organically while Intrepid Wealth managed their investment allocation in line with a growth risk profile.
Over the following few years, their superannuation balances grew substantially. As their financial position became more sophisticated, it became clear they may benefit from transitioning to a self-managed superannuation fund (SMSF), giving them greater control and flexibility over their retirement strategy.
The Intrepid Wealth Approach
Moving from an existing superannuation structure into an SMSF can often require selling down the current investment portfolio. This may create unnecessary costs, potential capital gains implications, and time out of the market, which can expose investors to avoidable risk.
Rather than accepting this as the default approach, the Intrepid Wealth team identified a more efficient pathway.
By arranging an in-specie transfer from the couple’s Hub24 Super account into a Hub24 investment account held in the name of the SMSF, they were able to retain their existing shares, equities, and ETFs without selling them down.
The Outcome
The couple successfully transitioned into their new SMSF structure while retaining their existing investment portfolio.
This helped avoid unnecessary disruption, reduced the risk of being out of the market, and created a smoother, more cost-effective transition. The approach also gave them greater control and flexibility over their retirement strategy as their wealth continued to grow.
Why This Matters
This case highlights the value of proactive advice and looking beyond the obvious solution. Complex financial transitions do not always need to involve unnecessary cost, disruption, or risk.
With the right strategy, Intrepid Wealth can help make important financial decisions clearer, smoother, and better aligned to long-term goals.
