Why SOA Matters
Understanding your Statement of Advice is crucial for making informed decisions about your superannuation.
What an SOA is
A Statement of Advice is a personalised document outlining recommendations tailored to your financial situation and goals.
Why it protects you
An SOA ensures you receive advice that's documented, compliant, and defensible — protecting both you and your advisor.
How Morgan Piper Capital structures it
Our guided process captures all required information systematically, ensuring nothing is missed and your SOA is complete.
General Information Only. This website does not provide personal financial advice. Consider your objectives, financial situation and needs before acting. We do not promote financial products. Where appropriate, we provide personal financial advice that is clearly documented and delivered in accordance with regulatory requirements.
Why Clients Seek Advice
Many Australians are seeking clarity.
Common questions include:
- Am I on track to meet my retirement objectives?
- Am I using my superannuation effectively?
- Is an SMSF appropriate for my circumstances, or not?
- Do strategies such as property align with my long-term objectives and risk profile?
Our role is to provide licensed financial advice to help clients understand their options and the implications of each decision.
How We Assist Clients
Our role is to support informed decision-making by helping clients:
- Assess whether an SMSF is suitable for their personal circumstances
- Clarify retirement goals, timeframes, and priorities
- Compare SMSFs with APRA-regulated superannuation funds
- Understand trustee responsibilities, risks, and ongoing compliance obligations
- Evaluate strategies such as property only where appropriate
- Receive personal advice that is documented in a Statement of Advice (SOA)
Everything You Need for Compliant Advice
SMSFs may be appropriate for some individuals and inappropriate for others.
Our process is designed to make this clear before any decision is implemented.
Guided Fact Find
Plain-English wizard with tooltips and save-and-resume.
Compliant SOA Generation
Auto-generates a Pre Advice Summary aligned to required sections.
Role-Based Access
Only authorised roles can approve and issue.
Audit Trail
Versioning, timestamps, and evidence bundle-ready logs.
Our Advice Process
Understanding Your Objectives
Advice begins with your goals and personal circumstances, including consideration of:
- Retirement income expectations
- Investment time horizon
- Risk tolerance
- Liquidity and cash-flow requirements
- Preferences regarding control versus simplicity
Information Collection
You complete a structured fact-find, typically online, at your own pace.
- This ensures accurate and complete information is available before any personal financial advice is prepared
Adviser Review
A licensed financial adviser reviews your circumstances to assess:
- Whether an SMSF is appropriate for you
- The potential advantages and disadvantages compared with remaining in an APRA-regulated fund
- Your ability to meet trustee and compliance obligations
- Whether specific strategies align with your objectives and constraints
Statement of Advice (SOA)
Where personal advice is provided, it is documented in a Statement of Advice that:
- Explains the basis for any recommendations
- Outlines risks, costs, and alternative strategies considered
- Is prepared in accordance with the best interests duty
- Provides a clear written record of the advice provided
You decide whether to proceed with any recommendation.
SMSFs and Property — Important Considerations
Understanding why many Australians consider property within their SMSF, and the key considerations.
Property can be held within an SMSF, however it is not suitable for all investors.
Property held inside superannuation may:
- !Be illiquid and difficult to exit
- !Create concentration risk
- !Require ongoing cash-flow support
- !Involve strict legal, tax, and compliance requirements
- !Reduce flexibility in later stages of retirement
For these reasons, property is never treated as a default strategy.
Where property is considered, it is:
- Assessed as part of an overall investment strategy
- Considered against diversification and liquidity requirements
- Compared with alternative investment options
- Clearly explained within the Statement of Advice
Who Provides the Financial Advice?
Financial advice is provided under a licensed authority.
Morgan Piper Capital Pty Ltd
Corporate Authorised Representative No. 001310290
Churchill Securities Pty Ltd
Australian Financial Services Licence (AFSL) No. 293734
Churchill Securities Pty Ltd is responsible for adviser authorisation, compliance oversight, and regulatory supervision.
Morgan Piper Capital Pty Ltd operates under this authority when providing financial advice.
Important Information
Personal financial advice is only provided after consideration of your objectives, financial situation, and needs, and is documented in a Statement of Advice.
You will be provided with a Financial Services Guide (FSG) which outlines services, remuneration arrangements, and dispute resolution procedures.
External dispute resolution is available through the Australian Financial Complaints Authority (AFCA).
Start With Advice — Not Assumptions
If you are considering changes to your superannuation, retirement strategy, or SMSF options, the first step is understanding what is appropriate for your circumstances.
Clear advice.
Documented decisions.
No pressure.
Choose Your Portal
Access the right tools for your role in the advice journey.
Listen to Our Podcasts
Educational content to help you understand SMSFs and financial advice.
SMSFs Explained: The Practical Basics
An introduction to self-managed super funds and how they work.
Property in SMSFs: Benefits, Risks, Reality
A balanced look at investing in property through your SMSF.
Advice That's Clear: Understanding Your SOA
What to look for in your Statement of Advice.