Risk Disclosure Statement

Risk Disclosure Statement

Australian Retirement Office
Last Updated: 5th October 2025

The strategies and case studies shared by Australian Retirement Office (“ARO”, “we”, “our”, “us”) are provided for educational purposes only. We do not hold an Australian Financial Services Licence (AFSL) and do not provide financial product advice. All decisions you make regarding superannuation, property investment, or financial products should be based on your own circumstances and with guidance from a licensed professional.

Key Risks to Consider

1. Investment Risk

All investments involve risk. Property values may decline, rental income may fluctuate, and investment returns are not guaranteed. Past performance is not a reliable indicator of future results.

2. Leverage (Borrowing) Risk

Borrowing to invest (leverage) can magnify both gains and losses. If the value of the property falls or rental income is insufficient, you may still be liable to meet loan repayments, which can place additional pressure on your SMSF.

3. SMSF Compliance Risk

Operating a Self-Managed Super Fund involves strict legal and administrative obligations set by the ATO. Failure to comply may result in significant penalties, loss of tax concessions, or disqualification of trustees.

4. Liquidity Risk

Direct property investments may reduce liquidity within an SMSF. Unlike shares or managed funds, property cannot be easily sold in part to fund pensions or meet other superannuation obligations.

5. Concentration Risk

Property-focused SMSFs may lack diversification. Relying too heavily on one asset class increases exposure to market cycles, regulatory changes, or local property downturns.

6. Taxation Risk

While SMSFs may access tax concessions, tax laws can change over time. Strategies such as property deductions, concessional contributions, or TRIS arrangements may be impacted by future legislation.

7. Partner & Referral Risk

We may introduce you to third-party licensed providers (such as AFSL holders, mortgage brokers, or property specialists). While we take care to partner with reputable professionals, we do not guarantee their services, advice, or outcomes.

Important Reminder

The examples and case studies provided are illustrative only. Results vary depending on market conditions, strategy execution, and individual circumstances. Before making any financial decision, you should:

• Review the relevant Product Disclosure Statement (PDS).

• Obtain advice from a licensed financial adviser, tax agent, or legal professional.

• Carefully assess whether a strategy suits your personal objectives, financial situation, and needs.

By engaging with Australian Retirement Office, you acknowledge that you understand the risks associated with SMSFs, property investment, and leverage, and that you are solely responsible for decisions made based on the information we provide.

Privacy Policy

Australian Retirement Office — Privacy Policy
Last Updated: 5th October 2025

• Collection of Information
  We collect personal information such as name, email, phone number, and general financial interests when you engage with our website, download resources, or book a consultation.

• Use of Information
  Your information is used to:

• Provide you with educational content, newsletters, and resources.

• Refer you to relevant licensed professionals within our partner network.

• Improve our website and marketing activities.

• Disclosure of Information
  We do not sell your data. We may share your information with trusted partners (such as AFSL holders, mortgage brokers, or property specialists) where it is relevant to your enquiry.

• Storage & Security
  We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, or disclosure.

• Access & Correction
  You may request access to the personal information we hold about you and request corrections at any time.

• Cookies & Analytics
  Our website uses cookies and analytics tools to improve user experience and monitor website traffic.

• Contact Us
  If you have questions about our Privacy Policy or wish to lodge a complaint, please contact:
  📧 members@ausretirementoffice.com.au
  
  

Compliance Statement

The information provided by Australian Retirement Office is general in nature and educational only. It does not constitute financial product advice, legal advice, or taxation advice, and does not take into account your objectives, financial situation, or needs.

Australian Retirement Office does not hold an Australian Financial Services Licence (AFSL). Where appropriate, we may refer you to licensed professionals within our partner network. We may receive referral fees for these introductions.

All investments carry risk, including potential loss of capital. Case studies and examples are provided for illustrative purposes only. Past performance is not a reliable indicator of future returns.

You should obtain professional advice and review all relevant Product Disclosure Statements (PDS) before making any financial decisions.

Australian Retirement Office — Website Terms & Conditions

Last Updated: 5/10/2025

• Educational Purpose Only
  The content provided by Australian Retirement Office (“ARO”, “we”, “us”, “our”) is for general educational purposes only. We do not hold an Australian Financial Services Licence (AFSL) and do not provide financial product advice, legal advice, or taxation advice.

• No Financial Product Offering
  We do not issue, recommend, or deal in financial products. Where appropriate, we may refer you to licensed professionals within our partner network (such as AFSL holders, mortgage brokers, or property specialists).

• Referral Arrangements
  ARO may receive a referral fee or commission for introductions to third-party providers. You are under no obligation to engage with these partners, and we encourage you to seek independent advice before making any decisions.

• No Guarantee of Outcomes
  Any case studies, examples, or projections are illustrative only and are not guarantees of future performance. Past performance is not a reliable indicator of future results.

• User Responsibilities
  By using this website, you acknowledge that all decisions made are your own responsibility. You should carefully consider your circumstances and seek advice from a licensed professional before acting on any information provided.

• Intellectual Property
  All content, graphics, and branding remain the property of Australian Retirement Office and cannot be reproduced without permission.