Building on the Shoulders of Those Who Came Before Us
By David Saul, CEO & Founder, Saul SMSF
As we approach 30 June 2026, I find myself reflecting on a simple question:
What will the SMSF profession look like ten years from now?
Technology is reshaping administration.
Artificial intelligence is reshaping information.
Regulation continues to reshape expectations.
Yet the fundamentals remain unchanged:
Trust.
Independence.
Judgement.
Protection of retirement savings.
These principles mattered when the first SMSFs were established.
They matter today.
And they will matter long after today’s technology has been replaced by something new.
Perhaps that is why 2025/26 feels like such an important year.
Not simply because of what happened at Saul SMSF.
But because of what is happening across the SMSF profession itself.
Increasingly, the greatest risk in many SMSFs is not the asset.
It is behaviour.
The decisions people make when nobody is watching.
Against this backdrop, our responsibility as professionals has never been greater.
This year began with an important milestone for our firm — successfully completing an ATO review of our SMSF audit methodologies and procedures without recommendation.
We relaunched our brand around a simple idea:
SMSF Audits Well Solved.
Not because SMSF audits are easy.
In fact, they are becoming more complex every year.
Rather, because our role is to help accounting firms, advisers and trustees navigate complexity with independence, professionalism and practical solutions.
During the year we launched three distinct service lines:
SMSF Essentials — efficient, technology-driven audits for straightforward funds.
SMSF Advanced — deeper technical support for more complex SMSF structures and transactions.
SMSF Forensics — Australia’s first dedicated SMSF forensic audit service, designed for difficult compliance matters, ATO scrutiny and high-risk situations.
We also continued to invest in the future of the profession.
Elevate SMSF, our strategic partnership with Carisma Solutions, combines SMSF administration, compliance and independent SMSF audit services within an APES 110 compliant framework, helping firms scale their SMSF offering without compromising quality or independence.
At the same time, we commenced planning for SMSF 2030 — an initiative focused on exploring how technology, AI, demographic change and evolving client expectations may shape the next decade of self-managed superannuation.
These initiatives were never simply about business growth.
They reflect a broader belief that the SMSF profession must continue to evolve if it is to remain one of Australia’s great financial success stories.
The SMSF sector that exists today did not emerge by accident.
It was built by practitioners, regulators, educators, legislators and industry leaders who invested their time, knowledge and energy over many decades.
Like many others, I have been fortunate to build a career within a profession that was already stronger because of those who came before us.
We stand on their shoulders.
In return, I believe we have an obligation to help those who will come after us.
Along the way, our profession was incredibly generous in recognising the work of our team.
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In November 2025, Saul SMSF was honoured to receive the SMSF Auditor of the Year Award, while I was humbled to receive the Individual Excellence Award at the SMSF Adviser Awards (top left photograph above from the memorable night).
In February 2026, I was deeply honoured to receive the CEO Award from the SMSF Association (top right photograph above of award).
While I am grateful for these acknowledgements, awards are ultimately earned in the quiet moments:
The difficult technical discussion.
The extra review.
The second opinion.
The willingness to ask one more question when something does not feel right.
The real achievement belongs to the team.
Today, Saul SMSF audits more than $7 billion in SMSF assets annually on behalf of client referral firms — from sole practitioners and boutique specialists through to national firms and the Big Four across Australia.
Through a combination of great people, disciplined processes and continued investment in technology, we maintained average audit turnaround times of three to five business days throughout the year — even during peak lodgement periods.
For us, speed has never been about rushing audits.
It has been about removing friction, improving communication and delivering timely, independent audit outcomes when they matter most.
No prioritisation fees.
No hidden fees.
No mystery.
Just real people, doing real work, in Australia.
One lesson has become increasingly clear to me this year.
The future of SMSFs will not be won by technology alone.
Technology is an extraordinary tool.
But it is not a substitute for professional scepticism.
It is not a substitute for judgement.
It is not a substitute for independence.
And it is certainly not a substitute for integrity.
The firms that thrive over the next decade will be those that successfully combine technological capability with human wisdom.
That balance remains one of the defining challenges — and opportunities — for our profession.
Yet for all the professional highlights, this year also reminded us that life exists beyond the office.
Sadly, members of our extended Saul SMSF family experienced the loss of close family members during the year.
(photographed below: David’s late mother, Margaret Saul)
What I witnessed during those times made me prouder than any award ever could.
I watched colleagues support one another.
I watched people step forward without being asked.
I watched a team demonstrate compassion, resilience and character when it mattered most.
Good times reveal success.
Difficult times reveal culture.
This team showed both.
To every member of the Saul SMSF team — thank you.
To our clients, referral partners and friends of the firm — thank you for your trust.
We never take it for granted.
As we look toward 2026/27, our mission remains unchanged:
To protect retirement savings.
To strengthen confidence in the SMSF sector.
To support accounting firms and trustees through independent, high-quality SMSF audits.
And to continue solving problems that matter.
The SMSF sector remains one of Australia’s great financial success stories.
I remain enormously proud that my own professional journey has largely mirrored its evolution.
I am equally grateful to the many people who helped build the profession long before I arrived.
We stand on their shoulders.
Our responsibility is not simply to preserve what they built.
It is to improve it.
To strengthen confidence.
To embrace innovation without abandoning standards.
To leave the profession better than we found it.
Because success is not measured by what we inherit.
It is measured by what we leave behind.
The best years for the SMSF profession are still ahead of us.
On behalf of everyone at Saul SMSF, thank you for being part of our journey.
David Saul
CEO & Founder
Let’s Be Honest
Too many SMSF audits in this market are:
Slow.
Outsourced.
Unreachable.
And “independent”… until they’re not.
You feel it.
Your clients feel it.
And your brand wears it.
We built Saul SMSF to disrupt that.
No noise. No shortcuts. No compromise.
Just independent SMSF audits — done properly, on time, every time.
We understand your world.
- Deadlines that don’t wait
• Files that aren’t textbook
• Clients who expect answers — not silence
So we don’t operate like a bottleneck.
We operate like a partner.
Our Audit Model — Built to Scale With You
SMSF Audit Essentials
When volume, price and simplicity matter.
SMSF Audit Advanced
When service and complexity in SMSFs join hands.
SMSF Audit Forensics
When real horsepower is required in the face of overwhelming complexity.
What Makes Us Different (And Why It Matters)
- From $250 + GST — without cutting corners
• Tight turnaround — no backlog excuses
• No priority fees — ever
• Real Australian audit team — accessible, accountable
• Independence that holds the line — especially when it gets uncomfortable
Awards? Yes. But that’s not the point.
2025–2026 recognised us.
The market is backing us.
But the real measure is simple:
Files out. On time. Done right.
2026 — We’re not catching up. We’re ready.
Capacity built.
Systems dialled in.
Team ready to go.
If your current audit process is slowing you down — fix it.
📩 Send your next batch
📞 Or call us — and speak to someone who actually knows your file
Saul SMSF
Disrupting the standard. Delivering the work.
SMSF Audits Well Solved: What Excellence Really Means
On Friday, 24 October 2025, I was honoured to receive two national awards at the SMSF Adviser Awards — SMSF Auditor of the Year and the Excellence Award (Individual).
While deeply humbling, these awards are not about one person. They reflect the collective commitment of the Saul SMSF team, our partners, and the accounting and advisory professionals who place their trust in us every day.
At Saul SMSF, our guiding phrase — “SMSF Audits Well Solved” — captures far more than technical excellence. It defines the way we think, work, and lead.
Well Solved Means Proactive, Not Reactive
For us, audit quality is not just about compliance — it’s about foresight.
Our partners often say that we “identify potential issues before they become significant”, helping prevent breaches and giving trustees confidence that their fund is on the right path
True independence means more than ticking boxes; it means standing beside our clients with honesty, clarity and purpose — even when the answers are complex.
Well Solved Means Partnership and Trust
For over a decade, our relationships have been built on collaboration.
As Stewart shared:
“David and his team have always been professional, supportive with any technical issues faced, and look to assist with resolutions. I personally rely on David a lot to explain any potential grey areas, so there are no surprises.”
We see ourselves as an extension of our partners’ teams — helping them deliver confidence, not complications, to their clients.
Well Solved Means Innovation with Integrity
Excellence in SMSF auditing is evolving. As Jonah noted:
“The Saul SMSF team has combined deep audit proficiency with technological innovation, bringing efficient, scalable and highly accurate audit solutions to their partners across Australia.”
Our continued investment in platforms such as SMSF IQ and integrated dashboards reflects a simple belief — technology should serve people, not replace them. Automation should enhance transparency, not diminish care.
Well Solved Means Humanity in Every Detail
Garvin described our approach best:
“David is willing to personally meet with stakeholders, clearly articulate the issues, and navigate challenges with professionalism and empathy… This readiness to address sensitive matters directly, while maintaining transparent and respectful communication, is a hallmark of the Saul SMSF approach.”
And beyond our profession, we are proud to support causes such as Taking Paediatrics Abroad, Kathryn, wrote:
“Saul SMSF’s generosity is inspiring and energising for our small charity, strongly affirming their ethics and values.”
Excellence, after all, means using our strengths to lift others.
The Road Ahead
As we look to the future, “SMSF Audits Well Solved” remains more than our tagline — it is our promise.
- A promise to our partners that we will continue to deliver independence with integrity.
- A promise to our industry that we will keep raising the standard of professional excellence.
- And a promise to ourselves that we will never stop learning, questioning or improving.
As the SMSF landscape continues to evolve, Saul SMSF is leaning into the future — embracing innovation, strengthening collaboration and showing the way forward for what truly independent, technology-driven, human-centred SMSF auditing can be.
To every client, partner and colleague who walks this journey with us — thank you.
Together, we are proving that when SMSF audits are well solved, everyone’s future is stronger.
