Part 1
Part 1
About Udo SMSF
Udo SMSF is a specialist SMSF administration and accounting firm providing end-to-end services from establishment through to annual compliance, tax returns, and audit facilitation — with deep expertise in cryptocurrency and digital assets.
Mission: simplify SMSF administration for trustees who want control without the complexity.
Leadership
Simon Hand
Director & Founder
Founded Udo SMSF with the vision of making professional SMSF administration accessible and affordable, particularly for trustees holding cryptocurrency and digital assets.
Philip Boadi
Virtual CFO
Strategic financial oversight, pricing, revenue modelling.
Our Approach
Combines specialist SMSF knowledge with modern technology:
Dedicated client care team for responsive, personal service
SuperMate administration platform for accurate compliance and reporting
Macquarie Cash Management Account (CMA) as standard for all funds
GoCardless direct debit billing for hassle-free monthly payments
Online dashboard access for trustees to monitor their fund
Specialist cryptocurrency and digital asset administration
Contact
Email
Website
Address
Level 57, 25 Martin Place, Sydney NSW 2000
ABN
25 609 900 745
Part 2
Part 2
Key Features
Every Udo SMSF client receives the following core features regardless of tier:
Year-Round Fund Administration
Records, journals, and compliance throughout the year
Compliance Monitoring & Reporting
Contribution caps, pension requirements, regulatory obligations
Financial Statements & Tax Return
Annual financial statements and SMSF tax return lodged with ATO
Annual Compliance Audit
Coordinated with approved auditor network
Online Dashboard Access
Real-time visibility through secure online portal
Macquarie CMA
All funds use Macquarie CMA as primary cash hub with automated data feeds
GoCardless Direct Debit Billing
Monthly fees collected automatically via direct debit
Macquarie CMA Requirement: All funds must maintain a Macquarie Cash Management Account. If your fund does not currently hold a Macquarie CMA, one will be established as part of onboarding.
Part 3
Part 3
Service Tiers
Effective 1 July 2026. All prices include GST.
Kickstarter
Kickstarter
Entry-level for standard SMSFs. ASX shares, ETFs, managed funds, term deposits, cash.
$175/month
$2,100 per year (inc GST)
- Year-round administration
- Compliance monitoring
- Financial statements & tax return
- Audit facilitation
- Online dashboard access
- Macquarie CMA
- GoCardless billing
Mastery
Mastery
Built for crypto investors and active traders.
$220/month
$2,640 per year (inc GST)
- Everything in Kickstarter
- Multiple crypto exchange support
- DeFi protocol reconciliation
- Complex trading strategies (staking, lending, wrapping)
- Multi-exchange portfolio tracking
Infinite Wallet
Infinite Wallet
Everything covered — property, pensions, LRBA, dedicated manager.
$330/month
$3,960 per year (inc GST)
- Everything in Mastery
- Direct property admin (1 property included)
- LRBA / borrowing arrangement (1 included)
- Pension account management (up to 2 included)
- Dedicated service manager
- Full concierge compliance service
Tier Comparison
| Feature | Kickstarter | Mastery | Infinite Wallet |
|---|---|---|---|
| Monthly (inc GST) | $175 | $220 | $330 |
| Annual (inc GST) | $2,100 | $2,640 | $3,960 |
| Fund administration | ✓ | ✓ | ✓ |
| Compliance monitoring | ✓ | ✓ | ✓ |
| Financial statements & tax return | ✓ | ✓ | ✓ |
| Audit facilitation | ✓ | ✓ | ✓ |
| Dashboard access | ✓ | ✓ | ✓ |
| Macquarie CMA | ✓ | ✓ | ✓ |
| Crypto exchange support | — | ✓ | ✓ |
| DeFi reconciliation | — | ✓ | ✓ |
| Direct property (incl.) | — | — | 1 |
| LRBA / borrowing (incl.) | — | — | 1 |
| Pension accounts (incl.) | — | — | Up to 2 |
| Dedicated manager | — | — | ✓ |
| Priority service | — | Partial | ✓ |
Clients can upgrade tiers at any time — pro-rata adjustments apply.
Choosing the Right Tier
Kickstarter
ASX shares, ETFs, managed funds, or term deposits
Mastery
Cryptocurrency on any exchange
Infinite Wallet
Direct property, LRBA, or paying pensions
Part 4
Part 4
Description of Services
The table below outlines what Udo does and what you (the trustee) do for each service activity.
| Activity | What Udo Does | What You Do |
|---|---|---|
| Fund Setup | Trust deed, ASIC registration, ABN/TFN, Macquarie CMA, SuperMate onboarding | Provide ID, sign documents |
| Rollovers | Lodge SuperStream rollover requests, track progress, troubleshoot delays | Provide existing super fund details |
| Annual Compliance | Prepare financial statements, tax return, facilitate audit, lodge with ATO | Provide any missing documents when requested |
| Contributions | Record and classify all contributions; monitor caps | Make contributions; notify us of any non-standard contributions |
| Investments | Record buy/sell transactions from data feeds; reconcile accounts | Make investment decisions; provide statements for non-data-fed accounts |
| Crypto Assets | Import exchange data; reconcile trades, staking, DeFi; calculate CGT | Provide exchange access or export files |
| Pensions | Commence pension; calculate minimum drawdown; document pension payments | Draw minimum pension amount each year |
| Property | Record income, expenses, depreciation; arrange valuations | Manage the property; provide rental statements |
| LRBA | Establish bare trust; track loan repayments; annual LRBA reporting | Arrange finance; make loan payments |
| ASIC Agent | Monitor annual statements; prepare solvency resolution; pay fees | Sign resolution |
| Dashboard | Maintain and update online dashboard | Log in and review your fund |
Part 5
Part 5
Fee Schedule
All fees are in Australian dollars and include GST unless otherwise stated. Rates effective 1 July 2026.
Monthly Administration Fees
| Tier | Monthly (inc GST) | Annual (inc GST) |
|---|---|---|
| Kickstarter | $175.00 | $2,100 |
| Mastery | $220.00 | $2,640 |
| Infinite Wallet | $330.00 | $3,960 |
Prepaid Discount Plans
| Plan | Discount | Effective Rate | Kickstarter Example |
|---|---|---|---|
| Annual (pay upfront) | 10% off | $157.50/month | $1,890/year |
| 3-Year Lock-in | 20% off | $140.00/month | $5,040 total |
| 5-Year Lock-in | 25% off | $131.25/month | $7,875 total |
Early termination: pro-rata refund of unused months less a $250 administration fee.
Establishment Fees
| Service | Fee (inc GST) |
|---|---|
| New SMSF establishment (corporate trustee) | $2,030.00 |
| New SMSF establishment (individual trustees) | $1,528.50 |
| Existing SMSF take-on (standard) | $880.00 |
| Existing SMSF take-on (complex — by quote) | $1,320 – $1,760 |
| Referral/repeat client establishment | $1,650.00 |
| Rollovers with establishment | Included |
Additional Service Fees
| Service | Fee (inc GST) |
|---|---|
| Compliance & Regulatory | |
| ASIC Agent annual administration | $55 |
| ATO SMSF Audit Fee | $495 |
| ATO Audit Management (compliance reviews) | $495 |
| Actuarial Certificate — ABP | $110 |
| Actuarial Certificate — Defined Benefit | $420 |
| Borrowing & Structures | |
| LRBA Establishment (commercial) | $990 |
| LRBA Establishment (related party) | $1,100 |
| Trust Deed Amendment | $220 |
| Pension & Member Changes | |
| Pension Commencement (beyond tier inclusion) | $110 |
| Commutation (beyond tier inclusion) | $110 |
| Lump Sum Payment (beyond tier inclusion) | $55 |
| Member Addition/Removal | $385 |
| Fund Administration | |
| SMSF Wind-Up | $1,320 |
| SMSF Health Check (annual review) | $330 |
| Account Closure Fee | $250 |
| Document Preparation (minimum charge) | $110 |
| Additional Rollover (post-establishment) | $110 |
| Property Title Transfer | $42 |
| ASIC Company Search | $55 |
| Ongoing Surcharges | |
| Non-data-fed account surcharge | $50/month per account |
| Late Payment Fee (failed GoCardless) | $25/month |
| Consulting / Complex Query | $275/hour |
| Additional Property (annual, beyond tier) | $495/year |
| Additional LRBA (annual, beyond tier) | $440/year |
| Additional Pension (annual, beyond tier) | $350/year |
All additional service fees are invoiced upon completion and payable within 14 days. Rates effective 1 July 2026 and may be adjusted with 60 days written notice.
Part 6
6
Terms & Conditions
The following terms and conditions govern the provision of SMSF administration services by Udo Super Services Pty Ltd. By engaging our services, you agree to be bound by these terms.
1. Definitions
- 'Udo', 'we', 'us', 'our' means Udo Super Services Pty Ltd (ABN 25 609 900 745)
- 'Client', 'you', 'your' means the trustee(s) of the SMSF engaging Udo's services
- 'Fund' means the self-managed superannuation fund administered by Udo on behalf of the Client
- 'Services' means the SMSF administration, accounting, and related services described in this Service Guide
- 'Commencement Date' means the date on which Udo begins providing Services to the Client
- 'Fee Schedule' means the schedule of fees set out in Part 5 of this Service Guide, as amended from time to time
2. Scope of Services
2.1 Udo will provide the Services described in this Service Guide and the applicable service tier selected by the Client.
2.2 The Services do not include financial advice, investment advice, tax advice, or legal advice. Udo is not a financial adviser and does not hold an Australian Financial Services Licence (AFSL). Clients should obtain independent professional advice where appropriate.
2.3 Udo may engage third-party service providers (including auditors, actuaries, and legal document preparers) to assist in delivering the Services. Fees for third-party services may be charged separately as outlined in the Fee Schedule.
2.4 The scope of Services may be varied by mutual written agreement between Udo and the Client.
3. Client Obligations
3.1 The Client must provide Udo with all information and documents reasonably required to perform the Services, in a timely manner.
3.2 The Client is responsible for making all investment decisions relating to the Fund. Udo does not provide investment advice and is not responsible for investment outcomes.
3.3 The Client must notify Udo promptly of any changes to the Fund's circumstances, including changes to members, trustees, investment strategy, or contact details.
3.4 The Client acknowledges that delays in providing required information may result in delayed lodgement of tax returns and compliance documents.
3.5 The Client must maintain a Macquarie Cash Management Account as the Fund's primary operating account.
4. Fees and Payment
4.1 The Client agrees to pay the fees set out in the Fee Schedule applicable to their service tier.
4.2 Monthly administration fees are collected by GoCardless direct debit on or around the 1st of each month.
4.3 If a GoCardless direct debit fails, a late payment fee of $25 per month will apply until payment is made.
4.4 Udo reserves the right to suspend Services if fees remain unpaid for more than 60 days.
4.5 Establishment fees are payable upon engagement and prior to the commencement of establishment work.
4.6 Additional service fees are invoiced upon completion of the additional service and are payable within 14 days.
4.7 All fees are in Australian dollars and include GST unless otherwise stated.
4.8 Udo may adjust fees from time to time. Clients will receive at least 60 days written notice of any fee changes.
5. Fee Changes and Notice
5.1 Udo will provide at least 60 days written notice of any changes to the Fee Schedule.
5.2 If the Client does not agree to the revised fees, they may terminate the engagement by giving written notice during the 60-day notice period.
5.3 Continued use of Services after the effective date of a fee change constitutes acceptance of the revised fees.
6. Prepaid Plans
6.1 Clients may elect to prepay administration fees at a discounted rate as set out in the Fee Schedule.
6.2 If a Client on a prepaid plan terminates their engagement before the end of the prepaid period, a refund will be calculated on a pro-rata basis for unused months remaining, less a $250 administration fee.
6.3 Refunds are processed within 14 business days of written termination notice.
6.4 Prepaid plan pricing is locked for the duration of the prepaid period.
7. Termination
7.1 Either party may terminate this engagement by giving 60 days written notice to the other party.
7.2 Upon termination, Udo will complete any work in progress that has been paid for and provide the Client with all relevant records and documents.
7.3 The Client remains liable for any fees accrued prior to the effective date of termination.
7.4 Udo may terminate the engagement immediately if the Client fails to pay fees for more than 90 days, or engages in conduct that breaches superannuation law.
8. Confidentiality and Privacy
8.1 Udo will treat all Client information as confidential and will not disclose it to third parties except as required to perform the Services, as required by law, or with the Client's consent.
8.2 Udo's Privacy Policy is available at udosmsf.au/privacy and governs the collection, use, and storage of personal information.
8.3 Udo complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth).
9. Limitation of Liability
9.1 To the maximum extent permitted by law, Udo's total liability to the Client under or in connection with this engagement is limited to the total fees paid by the Client in the 12 months preceding the claim.
9.2 Udo is not liable for any loss, damage, or expense arising from: (a) the Client's failure to provide information in a timely manner; (b) investment decisions made by the Client; (c) actions of third-party service providers; or (d) circumstances beyond Udo's reasonable control.
9.3 This clause does not exclude or limit liability that cannot be excluded or limited by law.
10. Dispute Resolution
10.1 If a dispute arises, the parties will first attempt to resolve it by direct negotiation in good faith.
10.2 If the dispute is not resolved within 30 days, either party may refer it to mediation.
10.3 The engagement is governed by the laws of New South Wales, Australia.
11. General
11.1 This Service Guide, together with any engagement letter signed by the Client, constitutes the entire agreement between the parties.
11.2 Udo may update this Service Guide from time to time. The current version will be available at udosmsf.au and upon request.
11.3 If any provision of these terms is found to be invalid or unenforceable, the remaining provisions continue in full force.
11.4 Udo may assign or subcontract its obligations under this agreement without the Client's consent, provided the quality of service is maintained.
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