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The 2026 budget made family trusts significantly more expensive, with a 30% minimum tax that kills the bucket company strategy. In this episode, Troy breaks down whether an SMSF can actually replace a family trust, and why the smartest Australians are not choosing one structure, but using both differently.

You’ll learn:

◼️ where the SMSF wins on tax, compounding, and long‑term wealth

◼️ why a trust still matters for access to money today

◼️ why an SMSF cannot run an active business

◼️ how high‑income earners are adapting their structures under the new rules

Timestamps:

0:00:00 - Introduction

00:01:14 - Discretionary Trusts vs. SMSFs: Tax Comparison

00:02:08 - Government Exemptions for SMSFs

00:03:04 - Family Trusts: Immediate Income Distribution

00:03:46 - Adapting Strategy: Combining Trusts and SMSFs

00:04:08 - Maximizing Contributions to SMSFs

00:04:39 - Conclusion: SMSFs for Long-term Wealth

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.