The Family Gathering That Started It All
It was a family get-together — cousins, aunties, kids running around — when someone mentioned they'd bought a property through their super. Marcus thought they were joking.
"I said, 'Yeah, nah, that's not a thing.' And they said, 'It is, bro. Look it up.'"
Marcus had been working in the public service for 18 years. Stable job. Good pay. His super had been ticking along steadily — over $320K in his PSSap account. But he'd never really thought about it. It was just a number on a statement he glanced at once a year.
The Problem
Marcus had always assumed SMSF was for business owners or wealthy people. Not for a government worker in his early 40s. Not for someone like him.
"I didn't grow up around money conversations," Marcus told us. "Nobody in my family talked about super or investments. We talked about paying the bills, getting the kids to school, and making it to the next week. That was the plan."
He'd thought about property before — everyone had — but the idea of saving a separate deposit while paying off the family home felt impossible. He didn't realise his super could do the heavy lifting.
Finding Delphi & Co
After that family gathering, Marcus did what everyone does — he searched online. And like most people, he was instantly overwhelmed. SMSF. LRBA. Bare trust. Sole purpose test. CSS. PSS. PSSap. It felt like a different language.
Then he found Delphi & Co. What caught his eye was the plain English. No jargon. No corporate tone. And when he saw that Adel was Indigenous Australian — that mattered.
"It sounds small, but seeing someone who looks like me doing this — it made me think maybe this was actually for people like us."
The Discovery Call
Marcus booked a free strategy chat. He was nervous — he'd never talked to anyone about finances before. He expected to feel out of his depth.
Instead, Adel broke it all down. He explained what PSSap was, how it was different from CSS and PSS, and why Marcus was actually in a strong position for SMSF property. No jargon. No pressure. Just clarity.
"Adel said, 'Your PSSap is an accumulation fund — it can roll into an SMSF. You've got $320K sitting there. That's a strong position.' I nearly fell off my chair. I had no idea."
The Process
The Delphi team handled everything. They rolled Marcus's PSSap balance into a new SMSF, handled the trust deed and ATO registration, sorted the finance and SMSF loan, and found an investment-grade property that met all the rules.
The whole process took 14 weeks. Marcus checked emails, signed documents, and asked questions along the way. The team answered every single one.
"I kept thinking, 'When's the hard part?' But it never came. They just handled it. All of it."
What It Means for His Family
Now Marcus's super owns a real investment property. Rent goes back into the fund. The property grows in value. And his kids know about it.
"I told my kids, 'Your dad's super owns a house.' My daughter said, 'Can we go see it?' That moment — that's what this is about. Building something they can see. Something they can be proud of."
Marcus is already thinking about the next step. And he's told his cousins, his mates at work, and everyone at the next family gathering.