About Stephen Catterall
Director of Synergy Wealth and Catterall Wealth Solutions | SMSF & Life Insurance Specialist | AFSL 700061
With over three decades in financial services, Stephen Catterall MBA specialises in helping clients understand and navigate strategies relating to Self-Managed Super Funds (SMSFs) and Life Insurance. As the holder of Australian Financial Services Licence AFSL 700061 and Principal of Catterall Wealth Solutions, Stephen provides independent general advice and educational guidance. His focus is on helping clients make informed decisions by clearly explaining how different financial strategies may operate within a broader wealth framework.
Stephen works extensively in areas including superannuation, personal risk insurance and wealth structuring, and collaborates with a network of trusted professionals to provide access to a wide range of solutions.
Approach
Stephen’s approach is practical, transparent and focused on simplifying complex financial concepts. He is known for bridging the gap between technical strategy and real-world application—particularly when considering how wealth protection and superannuation strategies may work together over time. All information provided is general in nature and does not take into account your personal objectives, financial situation or needs.
About Andrew Potter
Director of Synergy Wealth, tygr.finance and tygrinsurance.com.au CRN 439366/AR 1316801
With over 25 years of property and finance experience, Andrew helps clients structure loan products which meet their requirements, whether it is for SMSF, personal or business. Recently Andrew has added the services of General Insurance brokerage.
As principal of tygr.finance and tygrinsurance.com.au, Andrew offers lending and general insurance advice, based on the client’s best interest.
Why Choose Us
One team, one strategy full support
At Synergy Wealth, we give you clarity and confidence in every financial decision. From protecting your family and assets to building long-term wealth through smart structures and property, we deliver independent, transparent and easy-to-understand guidance across insurance, superannuation and lending. No pressure, no jargon — just the right solutions for your goals.
Our Services
Independent Insurance Reviews
We compare Australia’s leading insurers to give you a true independent review across Life, TPD, Trauma, and Income Protection.
We also provide General Insurance support including landlord insurance, public liability, professional indemnity and more — ensuring your entire risk profile is fully protected.
Self Managed Super Fund (SMSF) Setup & Strategy Made Simple
We handle everything needed to get your Self-Managed Super Fund working for you, including setup, corporate trustee, loan structure, bank accounts and strategy guidance.
Perfect for clients exploring property investment inside super or wanting full control of their retirement wealth.
Clear, Honest Mortgage Broking
Our mortgage service is completely independent — no hidden agendas, no lender bias. Whether refinancing, buying your first home, or structuring an investment loan (inside or outside super), we find the right lending solution, not the one that pays the highest commission.
A One-Stop Wealth & Protection Team
From Insurance, Superannuation, Self Managed Super Fund (SMSF) property loans and landlord liability to life cover and mortgage solutions — we bring everything together so you don’t need multiple advisers. One team, one strategy, full support.
Things we are often asked
Frequently Asked Questions (FAQ's)
(General Advice – AFSL 700061)
Who is Synergy Wealth?
- Life, TPD, Trauma & Income Protection insurance
- SMSF setup & strategy
- Property investment inside super
- Superannuation structure & consolidation
- Independent comparisons across insurers
Do you provide personal financial advice?
We provide general advice only under AFSL 700061.
This means the information we provide does not consider your personal circumstances — but it does help you make informed, confident decisions.
Can you help me set up a Self-Managed Super Fund (SMSF)?
- Setting up the SMSF
- Creating the corporate trustee
- Establishing the LRBA (property loan) structure
- Applying for ABN & TFN
- Setting up the SMSF bank account
- Guiding the rollover of your existing super
- Preparing the SMSF for property purchase
What does it cost to set up an SMSF?
Once the fund is established, this cost can be reimbursed from your super.
What are the ongoing SMSF costs?
Can my SMSF buy property?
Your SMSF can purchase residential or commercial property, using:
- Cash inside the fund, or
- A Limited Recourse Borrowing Arrangement (LRBA)
What are the tax benefits of property inside an SMSF?
- Rent taxed at just 15%
- Capital gains tax drops to 0% when the fund is in pension phase after age 60
- Contributions to super can reduce your personal tax
- SMSFs provide long-term growth and retirement planning advantages
Why should I review my insurance?
We compare multiple insurers and often save clients 20% or more each year while improving benefits.
Do you work with my accountant or mortgage broker?
Yes — we collaborate directly with your accountant, mortgage broker, real-estate agent, and solicitor to make everything smooth and stress-free.
How long does SMSF setup take?
Typically 2–4 weeks, depending on ATO processing and how fast super rollovers occur.
How do I get started?
Just book a call — no pressure, no obligation.
We’ll walk through your options, answer your questions, and help you understand the smartest path forward.
'I wish I started a year ago!'
Schedule a call with Stephen or Andrew to discuss how we can help you realise your financial goals. It’s obligation free, online and only takes 30 minutes to get started. If you have any other queries, send them through below and we will be in contact.