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 several types of super funds, such as retail funds, industry funds, corporate 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 appropriate type of fund. 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 liaising with external legal professionals to facilitate the production of all documents needed to start, and our advice on the assets you hold within the fund.
Andrew Brian 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, as well as a Graduate Diploma of Financial Planning from Kaplan.
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. Both Potts Financial Services and Andrew have been Authorised Representatives of Shartru Wealth Management since June 2018.
Andrew is an Authorised Representative of Shartru Wealth Management Pty Ltd. He specialises in Superannuation, Risk Insurance and Investment Strategies. He is based in Melbourne and available for appointments over the phone or in person.
Andrew Brian Potts is an authorised representative (468035) of Shartru Wealth Management Pty Ltd (AFSL 422409).
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