Superannuation

Most people think of superannuation as a tax-favoured way of saving for your retirement. For employees, it is compulsory. For self-employed people, it is optional. For everybody, it is a great idea.

But superannuation is about more than retirement planning. It is actually a cornerstone of most people’s financial plan. This is because ‘super’ touches every other aspect of your financial planning. The way you manage your super impacts on how you manage your insurances, your other investments, your tax planning, your retirement planning, your marriage, your divorce, how and when you might help your adult kids out financially, your estate planning and even how you repay your own mortgage.

It is super by name and even more super by nature.

There are three types of super fund: retail funds, industry funds and self-managed superannuation funds. Different clients are suited to one or more of these types, and sometimes it makes sense to use more than one type in combination. We help you select the best type of fund for you. We then help you make best use of whichever option you take. This is important because super can and should be incorporated into your thinking about everything to do with your finances.

If you decide to manage your own super (a ‘self-managed super fund,’ or SMSF), we assist with all facets of establishing and maintaining this fund. This includes the facilitation, through our legal team, of all documents needed to start and then make best use of your fund.

Andrew Potts

Director and Financial Planner

Andrew studied at Victoria University obtaining a Bachelor of Business (Banking & Finance/International Trade). He also studied at Investment Banking Institute obtaining a Diploma of Financial Planning (1-5).

Andrew has been a financial adviser since 2014 when he began as an Authorised Representative of National Sterling Group. He has been the director of Potts Financial Services Pty Ltd since December 2014.

Andrew is an Authorised Representative of Dover Financial Advisers Pty Ltd. He specialises in Superannuation, Risk Insurance and Debt Management. He is authorised to provide all the products listed under the services tab. He is based in Melbourne and available for appointments over the phone or in person.

Andrew Potts is an authorised representative (468035) of Dover Financial Advisers Pty Ltd (AFSL 307248).

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