Question: We would really appreciate some expert advice; we're in a financial mess at the moment, but it may be salvageable with the right plan. My husband and I have approx. $86,000 in an SMSF. We are using Esuperfund to do yearly accounting as they charge a low flat rate of around $700.00. We are self-employed, husband is 73 and I'm 66, we anticipate working another five years+.