SMSF Strategic Advisors, established in October 2014 by respected, local financial planner Rita Zappulla; are an Authorised Representative of Synchron (AFS Licence 243313) for financial planning services. In 2020, Kerry Farquharson joined the team as a financial planner and insurance specialist. Our services include: Superannuation and Rollover Advice, Self-Managed Superannuation Funds, Insurance Advice, Retirement Planning, Financial Planning, Tax Planning Advice, Portfolio Management, Estate Planning and Centrelink Advice.
Rita has over 14 years’ experience in the financial services industry, providing clients with professional advice on a range of business and personal financial issues.
After completing a Bachelor of Commerce (1988), Rita spent the next decade developing her expertise in a variety of financial / accounting service disciplines, at several nationally recognised accounting firms.
In 2000 Rita began to specialise specifically in the financial planning sector, focusing on self-managed superannuation funds and superannuation advice, retirement planning, estate planning and succession planning.
This combination of experience, expertise and qualifications gives Rita a comprehensive understanding of business structures and the Australian tax and superannuation laws, allowing her to provide professional strategic advice, assisting clients to protect and manage their financial legacy and achieve their retirement goals.
Rita Zappulla is a Certified Financial Planner, Registered Tax Agent and Fellow of the Institute of Chartered Accountants Australia. Rita’s Financial Services Guide (FSG).
Kerry is a Financial Adviser who specialises in helping clients to achieve the best outcomes possible for wealth creation and wealth protection for themselves and their families.
With more than a decade in Financial Planning, working for one of the Big Four banks, Kerry knows the value of delivering tailored advice that is in the best interest of every valued client and their family.
Fully accredited to provide business insurance advice, Kerry works closely with clients, their accountants and even solicitors to understand their often complex business situations and needs.
Her key focus is on delivering a tailored plan with quality insurance solutions to help clients manage and control potential risks – and protect those who matter most.
Kerry holds a BA in Commerce (Accounting) from James Cook University and an Advanced Diploma in Financial Services. Kerry’s Financial Services Guide (FSG).
I have worked with Kerry for eleven years now and appreciate that she always hears my concerns with respect to financial security. Kerry genuinely cares about my financial plan and making sure that I am adequately covered and protected. It’s nice to speak with someone directly who is always on top of the current issues and removes the stress and complexity from financial planning and insurance.
Having been self-employed for the majority of my working life I have always been very focused on my business, but never seemed to find the time to plan for retirement. An opportunity came up to purchase the office I was renting, and I looked into buying it through a SMSF. After some research it seemed far too complicated and I had almost given up when I found Rita. From the first meeting it was very evident Rita had all the answers. I needed to set up a SMSF and borrow to purchase the office, and with a positive and proactive approach Rita made the whole process easy. Thank you Rita – rather than paying rent each month I am now getting one step closer to retirement.
David Jaunzems - Cairns Beaches Realty
Thanks to Rita, I have finally started the process of financial planning. She was fantastic to work with. She made everything so easy to understand and her straight forward approach is so refreshing. Rita made sure it was easy for me to understand and has given me excellent strategies to work with. She got me thinking about planning for the future. When someone writes numbers on paper and it’s all black and white, we realise how many things we take for granted. She didn’t sugar coat anything, she said what our risk ratio is and what we need to minimise it, financial plans to keep our kids and maintain our lifestyle if things went wrong in life. Thank you Rita for sorting out our insurance and drawing up the financial plan. One step at a time.
Dr Anvitha Rao
Our first meeting with Rita was held a few days before Christmas. We were meeting with our bank manager to discuss some business restructuring options prior to my father-in-law leaving for overseas in the next few days. As our bank manager recommended Rita, we phoned her during the meeting to see if we could arrange an appointment. As I explained that we were trying to make some major decisions about our business and our self-managed super fund, Rita dropped what she was doing and came around to our home immediately to join our meeting. She asked very intuitive questions and listened intently before she gave some sound, direct advice that has helped our family know we could move forward financially and restructure the business to provide peace of mind to both sides of the family. From day one Rita’s enthusiasm, thoroughness, sound advice and absolute dedication to do her best for us has been undoubtably evident. We are very fortunate to have her as our financial planner and now our friend.
Jane Mitchell - Nordig NQ Pty Ltd
We’d been looking for someone knowledgeable and trustworthy to give our finances a financial health check. Our search led us to Rita. We couldn’t have been happier. Rita’s passion, knowledge, genuine interest and attention to detail not only put us at ease, but also opened our eyes to areas where we needed to improve. She pointed us in the right direction and equipped us with strategies to grow our wealth and plan for retirement. As if that wasn't enough, she also reviewed our insurances and pointed out how we were inadequately covered and updated all our covers. Things we rarely think of in our busy lives. We cannot thank Rita enough for all her assistance. We haven’t hesitated recommending Rita to family and friends because we know they will be well looked after.
Sharmila & Rahul Reddy
Rita, the “nine year” plan we undertook when you first set up our SMSF is now completed. As of October 2018, our pension/SMSF is totally tax free to the kids. Thanks!
Patsy Bilic - Silkwood
Our accounting practice communicates with clients regarding their superannuation and retirement goals. We are also often asked about borrowing through self-managed super funds, or we may identify planning opportunities for clients using their super. Whilst we can identify these issues or opportunities exist, we do not have the expertise to advise or deliver outcomes. That’s where Rita comes in. Having worked with Rita for many years, we are always confident to recommend her services. She works closely with us and provides thorough and practical advice to our clients. This strengthens our client relationships because they are getting results.
Miriam Eagle FCPA - Partner – Eagle Accounting, Cairns
An arms-length referral by another professional is one of the greatest compliments that could ever be given. You are effectively trusting that your clients will be looked after with respect and the highest possible quality professional and personal service available. The risk of a bad experience for a disgruntled client could result in collateral damage back to our practice. I have been referring clients to Rita for a number of years after meeting her through a mutual client. At that time, I was disillusioned with the financial planning space after receiving considerable negative feedback from clients. Looking back, referring clients to Rita has been one of the best business networking decisions I have made. The feedback from clients has been excellent and the communication between Rita and our office has been proactive for the benefit of our mutual clients. I have found Rita to be honest in her dealings with clients, ensuring that their best interests are a priority over and above any potential financial gain for her business. Vipiana & Associates are proud of our relationship with Rita and her team at SMSF Strategic Advisors and we look forward to many more years of working together for the benefit of our clients.
Allan Vipiana - Vipiana & Associates Accountants & Advisors
I refer clients to Rita because she is very genuine, and she will tell clients what they need to hear, not necessarily what they want to hear. Rita has a huge amount of experience in business, accounting and investing. She not only talks the talk she walks the walk.
Greg Stanton - Principal Barrier Reef Accounting