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An ATO audit isn’t a matter of if, it’s a matter of when. And when that letter arrives, they’re not coming to help you. They’re coming to find mistakes, penalise you, and make an example out of your fund. In this episode, Troy reveals the ATO’s real audit triggers and the five‑point checklist they use to hunt for breaches.

◼️ The red flags that put your SMSF on the ATO’s hit list

◼️ The five breaches auditors look for in every investigation

◼️ How to build an audit‑ready SMSF that leaves them nothing to find

Timestamps:

0:00:00 - Introduction

00:00:24 - Annual SMSF Audit vs ATO Audit

00:01:07 - What Triggers an ATO Audit

00:02:32 - What Happens When You Receive the Audit Letter

00:03:18 - The ATO’s Secret Audit Checklist (5 Breaches They Hunt For)

00:05:10 - The Penalties If the ATO Finds a Breach

00:06:10 - How To Build an Audit‑Ready SMSF

00:07:20 - Why Specialist SMSF Administration Matters

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.