You've Spent Years Serving Your Community. Now Let Your Super Serve Your Family.

Yes - couples can both be members of the same SMSF, combining their super balances into one fund to increase purchasing power. This is one of the most common and effective ways Australian families reach the threshold for SMSF property investment (Source: ATO SMSF Statistics, 2025). The Delphi Scorecard factors in combined balances to give you an accurate picture. Delphi & Co regularly helps couples set up joint SMSFs - it's one of the most rewarding parts of what we do.

Yes - government workers are some of the best-positioned Australians for SMSF property investment. Years of consistent employer contributions (often at 15.4% or higher) mean many government workers have strong super balances. Whether you're in a defined benefit scheme or an accumulation fund, there may be options to use your super for property. The rules depend on your specific scheme - the Delphi Scorecard helps you understand where you stand in under 5 minutes.

CSS is a defined benefit scheme that closed to new members in 1990. CSS members can't transfer their defined benefit into an SMSF directly, but many have additional accumulation components or other super accounts that may be eligible. The rules are complex, and most advisers avoid them entirely. Delphi & Co helps you understand what's possible with your specific CSS arrangement - we'll explain it in plain English and walk you through your options.

It depends on the scheme. Some defined benefit schemes allow partial transfers of accumulation components, while others don't allow transfers at all until you leave the scheme. PSS, CSS, and state government schemes each have different rules (Source: ATO Superannuation Guidance, 2025). This is one of the most complex areas in super - and exactly where Delphi & Co adds value. We'll review your specific scheme and explain what you can and can't do.

Government workers often have higher-than-average super balances due to employer contributions at 15.4% or more (compared to the standard 11.5%). After 15-20 years of service, balances of $200K-$450K+ are common. Combined with a partner's super, many government couples are well-positioned for SMSF property. The Delphi Scorecard considers your specific balance, income, and situation to show you where you stand.

CSS (Commonwealth Superannuation Scheme) is a defined benefit scheme closed since 1990. PSS (Public Sector Superannuation Scheme) is a defined benefit scheme closed since 2005. PSSap (Public Sector Superannuation accumulation plan) is the current accumulation scheme for new public servants. Each has different rules about transfers and SMSF compatibility. PSSap is the most straightforward for SMSF purposes as it's a standard accumulation fund. Delphi & Co helps you understand what applies to your specific scheme.

In many cases, yes. You can keep your defined benefit scheme (CSS, PSS, or state scheme) and also set up a separate SMSF using other super you hold - such as an accumulation component, a spouse's super, or super from previous employment. This is a common strategy for government workers who want to keep their defined benefit while also investing in property through SMSF. Delphi & Co helps you understand exactly how this works for your situation.

SMSF property investment can be a powerful way for Indigenous Australians to build generational wealth - real property your family can see, touch, and be proud of. Many Indigenous Australians in stable employment have strong super balances that could work harder through property. Delphi & Co was founded by Adel Pearce, an Indigenous Australian, with a mission to make property investment simple and accessible for our communities. Our Future Wealth by Delphi & Co is dedicated to helping Indigenous Australians understand their options.

Yes - couples (married or de facto) can combine their super into a single SMSF with up to four members. This is especially powerful for government couples where both partners have strong super balances. Even if one partner is in government and the other is in the private sector, you can combine into one fund. Combined super often unlocks better property options and stronger borrowing capacity. The Delphi Scorecard lets you enter both balances to see where you stand together.