In xtools+ I have an SMSF with a property which I want to sell once in pension phase to avoid the CGT. Immediately after this i want to close down the SMSF and move to standard individual accumulation account and re-commence the account pension from there. Xtools+ doesn't allow you to commute straight from an SMSF pension phase to an individual account, only from accumulation phase. I think I am going to have to sell the property and close down the SMSF before they hit pension phase and manually adjust the tax for that year. Any more eloquent solutions?