What Is An SMSF Investment Strategy, And Do I Need One?

An SMSF investment strategy defines how your super is invested to meet retirement goals. Australian law requires every SMSF to document, review, and follow this strategy.

How Does An SMSF Work For Retirement Investing?

An SMSF allows Australians to directly control super investments, including property and shares, while complying with ATO regulations and using tax-effective structures to build retirement wealth.

Do I Need An Accountant Or Financial Adviser For SMSF Investments?

Most SMSF trustees engage accountants or advisers. Citadel Agency works alongside trusted professionals to help Australian investors align compliant SMSF structures with long-term property investment strategies.

What Happens If An SMSF Breaches Investment Rules?

Breaching SMSF rules may trigger ATO penalties, fines, or trustee disqualification. Citadel Agency helps investors structure compliant SMSF property investments to reduce regulatory and financial risk.

When Can I Access My SMSF Investments In Retirement?

Australians can access SMSF investments after reaching preservation age and meeting a condition of release, such as retirement or commencing an account-based super pension.

What Are The Steps To Set Up An SMSF For Investing?

Setting up an SMSF involves creating a trust, appointing trustees, drafting an investment strategy, registering with the ATO, and opening compliant bank and brokerage accounts.

How Often Does An SMSF Need To Be Audited For Compliance?

Australian SMSFs must complete an independent audit every financial year. Citadel Agency ensures investment structures support smooth audits and ongoing ATO compliance.

What Financial And Legal Knowledge Is Needed For SMSF Investing?

SMSF trustees need knowledge of Australian super laws, tax obligations, investment risk, and record-keeping. Citadel Agency supports investors with structured guidance and compliance-focused strategies.

Pre-Purchase
Property Review

Before You Buy, Get the Full Picture.

Buying property is one of the largest financial decisions most people will ever make. Yet many buyers rely on fragmented information, sales opinions, or gut feel. Citadel’s Pre-Purchase Property Review gives you a structured, evidence-based assessment of a specific property before you sign unconditionally.

Data Backed Insights

24-48Hr Turnaround

Lead Agent Consult

From $349 + GST

Post Purchase Property Report

Who this service is for

Investors seeking an objective second opinion

SMSF and trust buyers requiring deeper diligence

First home buyers wanting confidence before committing

Buyers navigating auctions or private sales

Anyone who wants to buy with information, not assumptions

If you are close to making a decision and want certainty, this service is for you.

Request a Pre-Purchase Property Review

Personal Details

Full Name

Date of Birth

Phone

Property Details

Property Address Being Reviewed

Property Type

Intended Use

Finance Snapshot

Estimated Purchase Price

Deposit Amount (or equity contribution)

Estimated Interest Rate (%)

Loan Type

Optional Context

Expected Weekly Rent (If Known)

Auction conditions, settlement timeframe, risk concerns, SMSF, etc.

I understand this information is used to prepare a general property assessment and does not constitute financial, legal, or tax advice.

I confirm the information provided is accurate to the best of my knowledge.

What’s included in the report

We assess property through a 360° lens, not a single metric. 

Every review considers:

Review of
the Asset

Location
metrics

Pricing and comparables
CMA

Risk Liquidity & downside protection

Our role is to remove emotion and replace it with education.

Who we are

Choose your level of review

Best for

360° property & suburb assessment

Comparable sales analysis

Council, flood & insurance risk context

Senior buyer’s agent consultation

Valuation context via lending team

Conveyancer contract review

Coordinated team review

Fee

Report

Buyers wanting guidance

Was: $499 + GST
Now: $349 + GST

Buy Now

mOST rECOMMENDED Pre-Purchase Report

Buyers wanting clarity

45 minutes

Was: $999 + GST
Now: $750 + GST

Buy Now

Pre-Purchase  Essential+ Report

Buyers wanting maximum protection

45 minutes

Was: $2,150 + GST

Now: $1,450 + GST

Buy Now

Choose your
level of review

Best for

Citadel 16-page report

360° property & suburb assessment

Comparable sales analysis

Council, flood & insurance risk context

Senior buyer’s agent consultation

Valuation context via lending team

Conveyancer contract review

Coordinated team review

Fee

Pre-Purchase Report

Optional Add-ons: Negotiation Support

Available as an optional upgrade following your review.

Upgrade Pathway

If you proceed with a full Buyers Agency engagement within 30 days, the Component of the fee is credited
toward your Buyers Agency fee.

This ensures the work completed is never duplicated.

Important Information

Frequently Asked Questions

Looking for guidance before investing through an SMSF? These FAQs explain how SMSFs work, key compliance rules, professional support requirements, and what you need to know to invest confidently for retirement.

What is a Pre-Purchase Property Review?

A Pre-Purchase Property Review is a structured, evidence-based assessment of a specific property before you commit to purchase. It replaces fragmented opinions and gut feel with data-led insights to give you confidence before signing unconditionally.

Why should I get a Property Review before buying?

Many buyers rely on incomplete information or sales opinions when making one of the biggest financial decisions of their life. A Pre-Purchase Review helps identify risks, value drivers, and price context so you can make a more informed decision.

How does Citadel’s review differ from a basic property report?

Unlike basic reports that only show comparable prices, our Pre-Purchase Review goes deeper with:

360° property and suburb analysis
Liquidity, downside and risk context
Data-backed pricing and CMA insights
Optional expert agent consultations This gives a more complete picture than a standard market snapshot.

Who is this service for?

This review is ideal for:

Investors seeking an objective second opinion
First home buyers wanting clarity before commitment
Buyers navigating auctions or private sales
SMSF and trust buyers needing deeper diligence
Anyone who wants information, not assumptions, before buying

Can this report help me before an auction?

Yes. The Pre-Purchase Property Review provides detailed evidence you can use to support bidding strategy, set realistic price thresholds, and avoid emotional overspend on auction day.

How long does the review take?

Standard turnaround is 24 – 48 hours from when you submit your property details.

What’s included in the report?

The review typically covers:

Suburb and location metrics
Comparable sales and price context
Risk and liquidity analysis
Expert insights from a licensed buyers agent Optional add-ons include conveyancer contract review and lender valuation context.

What is the cost of a Pre-Purchase Property Review?

Pricing starts from $750 + GST depending on the depth of review you choose.

Do you offer negotiation support after the review?

Yes. If you want help turning insights into action, optional negotiation support can be engaged after your review to assist with strategy, price, and terms.

Is this report a substitute for financial, legal, or tax advice?

No. The review provides general property insights and should not be interpreted as professional financial, legal, or tax advice. You should discuss those areas with your adviser.

Can I upgrade to full Buyers Agency after the review?

Yes. If you decide to proceed with a full Buyer’s Agency engagement within 30 days, the advisory component of your review is credited toward the agency fee, ensuring no duplicated work.

Does the review work for buyers interstate or overseas?

Absolutely. We work with clients across Australia and manage the entire process digitally, giving you local expertise and representation even if you are not on the ground. (internal link opportunity)

How does this service reduce risk?

Our structured, data-driven assessment replaces assumptions with facts, helps uncover hidden issues, and supports better pricing decisions. This can reduce the likelihood of costly mistakes before you commit.

Most property mistakes are not emotional. They are informational.

If you want to buy with confidence and
clarity, start here.

Request a Pre-Purchase Property Review

Personal Details

Full Name

Date of Birth

Phone

Property Details

Property Address Being Reviewed

Current Residential Address

Property Type

Intended Use

Finance Snapshot

Estimated Purchase Price

Deposit Amount (or equity contribution)

Estimated Interest Rate (%)

Loan Type

Optional Context

Current Annual Household Income

Expected Weekly Rent (If Known)

Auction conditions, settlement timeframe, risk concerns, SMSF, etc.

I understand this information is used to prepare a general property assessment and does not constitute financial, legal, or tax advice.

I confirm the information provided is accurate to the best of my knowledge.