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This is similar to when clients have to get independent legal advice telling them about their obligations to guarantee their $2 company's debts (for mortgage purposes). And they get charged $200-400 for the privilege of being told how to suck eggs. I can understand why clients get annoyed at...

Yes, Amadio (NAB) and Garcia (CBA) screwed things up for everyone and enriches lawyers who rubber stamp guarantees. Personally I detest it but we have to cover our asses now.

Just accept that with SMSF more paperwork is required.