Delphi & Co.

Delphi & Co. Helping everyday Aussies turn super into property — made simple, made real. No jargon. No hard sell. Just clear steps and real results

End-of-month question.Everyone says 'retirement.' Few people have a number.Give yourself five minutes this week and writ...
26/05/2026

End-of-month question.

Everyone says 'retirement.' Few people have a number.

Give yourself five minutes this week and write down:

1. At what age would you genuinely want to stop full-time work? Not 'when you're supposed to.' When you'd want to.

2. What would you want that life to cost, per year, in today's dollars? Rough is fine. Groceries, house, a couple of trips, the boat or golf or grandkids fund.

3. How much would you need invested, producing income, to cover that? Rule of thumb: roughly 20-25x your annual cost. So $80K a year needs around $1.6-2M working for you.

Now look at your current super balance, current contribution rate, years remaining. Rough maths - are you on track, or is there a gap?

If there's a gap, that's not a panic. It's useful information. Gaps can close with time, contributions, or different vehicles (SMSF being one of them).

But you can't close a gap you never measured.

Scorecard walks you through a version of this: delphiandco.com/delphi-scorecard

Or if you want to talk it through with a person, ring 1800 577 526.

General info only. Not financial advice. Chat to a licensed professional about your own situation.

You don't need permission from the financial industry to understand your own money.You don't need a degree. You don't ne...
25/05/2026

You don't need permission from the financial industry to understand your own money.

You don't need a degree. You don't need a qualification. You need an hour, a quiet room, and someone willing to answer your questions in plain English.

If that's where you're at - this is what we do. All day, every day.

Scorecard: delphiandco.com/delphi-scorecard
Or ring: 1800 577 526

General info only. Not financial advice. Chat to a licensed professional about your own situation.

Question we get a lot: 'Can Delphi do the whole lot for me - property, fund setup, financial advice, the works?'Answer: ...
22/05/2026

Question we get a lot: 'Can Delphi do the whole lot for me - property, fund setup, financial advice, the works?'

Answer: no. On purpose.

We're specialists in one thing - buyer's agency for SMSF property. That's our lane. We're good at it because we do it all day.

For the bits that aren't our lane, we work with vetted partners:
- Financial advisers (licensed, fiduciary, independent) for the advice piece.
- SMSF accountants and administrators who know the compliance cold.
- Mortgage brokers who specialise in SMSF lending (there aren't many - it's a niche within a niche).
- Conveyancers who've done a hundred SMSF settlements and know the quirks.

When you work with us, you're not navigating that web alone. We'll introduce you, warm-hand you through, and stay in the loop. But we won't pretend to be the adviser and the accountant and the broker and the buyer's agent. That's a setup with blurred lines - and blurred lines in financial services are where people get burnt.

Specialist doing specialist work, talking to other specialists doing specialist work. That's the model.

Ring 1800 577 526. Or start here: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

Marcus works FIFO out of Townsville. Two weeks on, one week off, a decade at it. Good money, hard lifestyle, wife and tw...
20/05/2026

Marcus works FIFO out of Townsville. Two weeks on, one week off, a decade at it. Good money, hard lifestyle, wife and two teenagers at home who see him in chunks.

He came to us because he'd been putting extra into super for years but couldn't see what it was actually doing. Statement arrived, numbers went up (sometimes down), that was his relationship with his own retirement.

He wanted something he could point at. His words: 'I want to drive past it.'

We went through the S.I.M.P.L.E. Pathway. His clarity was clear - something regional, long-term tenancy, low fuss, in a market he understood. We ended up with a duplex in a Queensland regional growth area - two tenancies, two rent cheques, one asset.

Settled. Tenanted inside three weeks. Both sides.

Marcus's super is still there, still growing through contributions. But now there's also a physical thing - bricks, a roof, two front doors - making money while he's on a FIFO roster.

He drove past it on his first week off. Called me from the kerb. That was a good phone call.

Your situation won't look like Marcus's. That's the point - there's no template. Start with the Scorecard: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Individual outcomes vary. Chat to a licensed professional about your own situation.

Important one. Because half the reason people get into strife with SMSF property is they didn't know the guardrails.A pr...
19/05/2026

Important one. Because half the reason people get into strife with SMSF property is they didn't know the guardrails.

A property owned inside your SMSF cannot:

- Be lived in by you or family. Not your holiday home, not the kids' uni share house, not 'we'll move in for a bit.' It's an investment asset. Full stop.
- Be bought off a related party (with a narrow exception for business real property). So you can't sell your own rental into your fund.
- Have the bathroom renovated on a borrowed-money loan. You can do maintenance and repairs, but improvements funded by the loan? Against the rules.
- Be used as security for any other loan outside the fund.
- Be rented to a mate at mates' rates. Rent must be at genuine market rate, arm's length.

These aren't suggestions. The ATO takes SMSF compliance seriously. Stuff it up and your whole fund can lose its concessional tax status - which is painful.

This is why doing it properly matters. Not to make things harder - to keep the thing working as it's meant to.

Questions on whether your specific idea fits the rules? Ring 1800 577 526. Or start with the Scorecard: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

Monday straight talk.There's a certain flavour of property 'guru' on the socials right now. Linen shirt, infinity pool, ...
18/05/2026

Monday straight talk.

There's a certain flavour of property 'guru' on the socials right now. Linen shirt, infinity pool, Bali or Bondi, telling you how they made $400K last year.

Couple of questions worth asking them:
- What market did you buy in? Specifically?
- Who was the tenant? What's the yield been since?
- What would happen to your numbers if rates went up 1%?
- What's the exit plan?

If the answers are vague or fast, you're watching marketing. Not advice.

Real property investing in Australia is unglamorous. It's three-bedroom brick houses in suburbs most influencers wouldn't post a photo of. It's regional growth corridors. It's tenants who pay on time for eight years. It's a 2.5% increase in the median that compounds across a decade.

That's not a story that sells an online course. It's the story that actually builds wealth.

I'm not in Bali. I'm on the phone from an office in Australia, mostly talking to Aussies about fairly unremarkable properties that are going to quietly make them money for twenty years.

If that sounds more like your speed, start here: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

If you've been thinking about reaching out but the idea of 'booking a call' makes you want to close the tab - here's exa...
15/05/2026

If you've been thinking about reaching out but the idea of 'booking a call' makes you want to close the tab - here's exactly what the first half hour looks like.

Minutes 0-5. I'll ask you three things: what's prompted you to get in touch, what you know about SMSF already, and what you don't know but want to. No pitch. Just listening.

Minutes 5-15. I'll ask rough numbers - not exact, rough. Combined super balance, mortgage situation, ages, rough timeline. Not to judge - to figure out if we're even the right fit. Sometimes we're not, and I'll tell you.

Minutes 15-25. If it looks like we could be useful, I'll walk you through how the S.I.M.P.L.E. Pathway would apply to your situation specifically. Not a generic sales deck.

Minutes 25-30. Questions. Yours, not mine. This is where most good calls actually happen.

No pressure to do anything after. No 'sign today or miss out.' Not how we work.

Book a call, or just ring 1800 577 526. Or start with the Scorecard if you want a bit more info first: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

Lot of young Aussies right now are leaning on the bank of mum and dad to get into a home. And plenty of mum and dads are...
13/05/2026

Lot of young Aussies right now are leaning on the bank of mum and dad to get into a home. And plenty of mum and dads are emptying offsets, re-mortgaging, or just hoping there's enough left at retirement.

There's a different way to think about it.

If the wealth you're building now - including in your super - is structured to actually produce income and assets by the time your kids need a leg up, you're not 'giving them money.' You're handing them something that's already earning.

A rental property held in an SMSF doesn't get gifted to the kids (super doesn't work like that). But the income it produces, the equity you build, the financial breathing room it creates in your retirement - all of that means you're not drawing down the family's runway to prop up the next generation. You're adding to it.

It's not about leaving a headline-grabbing inheritance. It's about not being the generation that quietly depletes what came before.

Want to see what your trajectory looks like? Start with the Scorecard: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

One of the most-asked questions at the kitchen table: 'How much do I need to even be in the conversation?'There's no leg...
12/05/2026

One of the most-asked questions at the kitchen table: 'How much do I need to even be in the conversation?'

There's no legal minimum for starting an SMSF. Zero. But there's a practical one - because running a fund costs money, and buying a property inside one needs a deposit plus buffer.

Rough rules of thumb (not rules, just guides):

- Combined super balance around $200K+. Below that, the costs of running the fund chew too much of the returns to make sense for most people.
- Deposit of ~20-30% of the property value stays inside the fund. So if you're looking at a $500K property, you want comfortable access to $100-150K, plus costs.
- Cash buffer inside the fund for at least 6 months of loan repayments if the property is ever vacant. Non-negotiable.

Under those numbers? SMSF property probably isn't the move yet. There are other steps that make more sense first (salary sacrifice, downsizer contributions if relevant, getting clear on timeline). Just as useful to know.

Over them? Now the conversation gets interesting.

Scorecard will give you a sense of where you sit: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

Something I say to every new client.If a professional can't explain the thing they're recommending, in plain English, in...
11/05/2026

Something I say to every new client.

If a professional can't explain the thing they're recommending, in plain English, in under a minute - either they don't understand it themselves, or they're hoping you don't.

Both are a problem.

This goes for accountants, mortgage brokers, financial advisers, property spruikers, buyer's agents - me included. If I ever start a sentence with jargon and don't immediately translate it, pull me up.

Money people love jargon for two reasons:
1. It sounds like expertise.
2. It stops you asking the next question.

Don't fall for it. If you're sitting in an appointment and you don't understand what someone just said, say so. 'Hang on, what's that mean in normal words?' is the most powerful sentence in personal finance.

The people worth working with will light up and explain. The people not worth working with will get a bit huffy.

That's the filter. Use it.

If you want someone who'll explain things properly from the jump, start with the Scorecard or ring 1800 577 526: delphiandco.com/delphi-scorecard

General info only. Not financial advice. Chat to a licensed professional about your own situation.

Address

2 Currumburra Road
Gold Coast, QLD
4214

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+61290300350

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