SMSF Estate Planning: Protect Your Super, Protect Your Legacy

Have you planned what happens to your self-managed super fund (SMSF) when you’re gone? In this episode, SMSF specialist Melina Mitchell joins Kerry Fleming to demystify SMSF estate planning.

Learn the difference between binding and non-binding death benefit nominations, who counts as an eligible beneficiary, how to avoid death tax, and the practical tools — like reversionary pensions and enduring powers of attorney—that can protect your legacy and your loved ones.

What you'll learn in this episode:

• The importance of estate planning for SMSF members
• Binding vs. non-binding death benefit nominations (lapsing and non-lapsing)
• Who is (and isn’t) an eligible beneficiary under super law
• How to avoid death tax and understand tax dependents
• Using reversionary pensions and enduring power of attorney
• Why you must regularly review your nominations and trust deed

Timestamps:

00:00 – Welcome & why estate planning matters

02:00 – SMSF death benefit nominations: binding, non-binding, lapsing, non-lapsing

09:00 – Who is an eligible beneficiary?

13:00 – Financial dependents, interdependency, and trust deed requirements

18:00 – Death tax, tax dependents, and payment options

25:00 – Estate planning tools: reversionary pensions & enduring power of attorney

30:00 – Practical tips: regular reviews, major life events, and trust deed updates

33:00 – Final thoughts & how to get help

🎧 Available on YouTube, Apple Podcasts and Spotify.

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