About Us

Craig Smith & Associates (CSA) is a SMSF specialist firm. We advise on the rationale for your SMSF, develop its investment strategy in conjunction with your needs and views, establish your SMSF with corporate trust (we do not recommend individual trustees), oversee all administration & compliance along with your SMSF's accounting, preparation of financial statements and lodgement with ATO alongside other essential facets of your financial planning needs including estate planning & personal insurances.

CSA's goal is to deliver multigenerational enhanced financial outcomes for our selected clients.

CSA currently advise approximately 150 client groups with approximately $60 million funds under advice & insurances in excess of $200 million.

Our office is located in Forster, a seaside community and tourist hub on the Mid North Coast of NSW (about 320 kilometres north of Sydney). Our clients are located locally, Sydney & Melbourne, a significant expatriate clientele, as well as many clients based in other capital cities and major regional centres of Australia.

The motto of Craig Smith & Associates is: "Knowledge Trust Quality Advice"

Your SMSF & financial planning specialist is:

  • Craig Smith (Authorised Representative No: 263524).

Craig is licenced through Dover Financial Advisers Pty Ltd (AFSL License No. 307248)

  • Craig Smith & Associates is a Corporate Authorised Representative of Dover Financial Advisers Pty Ltd: ABN: 87 112 139 321;

Craig Smith & Associates was established in 1989 and is an industry recognised and well respected firm.

Craig has extensive experience, expertise and academic qualifications pertinent to financial planning.


Craig holds the following qualifications:

  • SMSF Association Specialist Accredited Adviser
  • Professional Certificate in SMSF from the University of Adelaide
  • Master of Commerce in Financial Planning from University of Western Sydney
  • Bachelor of Education from Armidale College of Advanced Education (now University of New England)
  • Advanced Real Estate Certificate from Dept of Technical & Further Education

Karen Kelly- Office Manager & SMSF Administration

Karen has been part of the CSA team since 2009, has completed a Certificate III in Business Administration, Certificate III in Education Assistance and is completing a Certificate IV in Accounting and Certificate IV in Book Keeping. Karen manages all SMSF administration from establishment to reviews; Financial Year Ending accounting requirements for Dover Outsourcing, correspondence with ATO and ASIC. Karen has lived in Forster since 1998, is a committee member of Forster Surf Life Saving Club and in her spare time enjoys an active lifestyle patrolling Forster Main Beach, competing in SLS carnivals, photography, walking her border collie and of course spending time with her family.


Linda Unsworth – Insurance Administration & Software Coordinator

Our newest member of the team, Linda brings many years’ experience in the Finance Industry and emerging technological advancements. Linda completed a Diploma in Business (Banking & Finance) in 2007; Advanced Diploma in Financial Planning in 2011; is responsible for all insurance administration and coordinating the ever changing technological advancements applicable to our clients. Linda is also an active runner and enjoys competing in multisport events. She has lived in the local area since 2003.

Dover Financial Advisers Pty Ltd are owned solely by:

What McMasters' do

McMasters act as accountants, solicitors or financial planners for more than 2,000 doctors and dentists on a retail basis. They act as the outsource accountant for CSA's SMSF and corporate clients. They also act for more than 2,000 self-managed superannuation funds, making McMasters' one of the largest SMSF accounting firms in Australia. Their head office is located at Suite 2/616 Balcombe Road, Black Rock, Victoria, 3193 and they also have an office in Ho Chi Minh City Vietnam.

McMasters has more than 90 well trained and qualified staff including accountants, psychologists, solicitors, training consultants, management consultants, financial planners, real estate agents and property consultants. McMasters' bring a wide range of back and front office skills to our practice.

Dover Financial Advisers
Dover Financial Advisers Pty Ltd
ABN: 87 112 139 321
AFSL License No. 307248

Contact Us

1800 4444 11
(02) 6554 5788

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The information contained on this page, and throughout this website, is of a general nature and may not be appropriate for your personal circumstances. You should speak to qualified professionals such as Craig Smith & Associates or your financial adviser before acting on any information contained in this website.