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This looks like some of these so called "professional accountants" are running a little bit scared thaht they might fail the ethics component of the exam because they are sure how to answer a client comes in with basic knowledge is it appropriate to set up a smsf? or a client comes in with $100,000 in super and says I might but a property one day should you set up a smsf? In case you are wondering the answer is no, stop inappropriately setting up SMSF when a wrap will do the same thing without lining your own pockets PS im sicking of winding up inappropriate SMSF