Financial Advisers in Cronulla

Our stockbrokers in Cronulla offer professional investment solutions for the Sutherland Shire. We help everyone from first-time share buyers to experienced market participants achieve their financial goals with confidence. Our approach is direct and client-focused, ensuring you receive advice that reflects your personal situation. We use our national research and corporate expertise to help you identify the best opportunities in the Australian and global markets.

• Personalised Portfolio Advice: We help you choose individual shares and build a portfolio designed for your specific investment objectives.
• Top-Tier Market Research: Access in-depth internal and external reports from our award-winning analysts to help you make informed trading decisions.
• Australian and Global Trading: Trade securities on the ASX, NSX and Cboe, or go global with access to over 20 international exchanges including the NASDAQ and Nikkei.
• New Listing Opportunities: Get early access to company IPOs and share placements through our corporate finance network.
• Wealth+ Management Support: Our Wealth+ service removes the burden of investment admin. We take care of the record-keeping and reporting for you.
• Digital Market Access: Log in to our secure client website to track your investments, read announcements, and view real-time market data.

To explore our full range of share trading strategies and investment philosophy, visit our national Stockbroking services page.

More and more people are realising the advantages of making their own investment decisions and taking control of their retirement strategy.

An increasingly popular way of doing this is by setting up a self managed superannuation fund (SMSF).

An SMSF gives members of the fund control over specific investment choices involving their superannuation. They can tailor their own investment strategies and select specific assets such as listed securities, managed investments, cash and term deposits, international equities, instalment warrants and so on.

How can we help?

Morgans offers a variety of services for SMSFs, including structure, setup, advice, rollovers, investments, administration and compliance.

We have investment advisers who specialise in superannuation and a technical research team that provides updates and support on the latest in superannuation developments.

Our Services

SMSF administration & investment reporting

Our Wealth+ SMSF Solution is an all-encompassing investment administration and SMSF administration service that allows you to take advantage of the flexibility and control of an SMSF, but outsource the work involved in establishing and running your fund.

Your SMSF investments are managed through our Wealth+ Managed Portfolio Service, which provides you with comprehensive reporting on your fund portfolio and investments, in addition to your annual member statement.

Investment reporting

Clients and their accountants can benefit from our Wealth+ Managed Portfolio Service, which is a reporting facility that we offer for investment administration. This service makes investing easier by collecting and recording all investment information/documentation, however SMSF trustees will need to arrange annual administration of the SMSF using an accountant or administrator.

SMSF administration

Our SMSF administration only service provides fund administration without the portfolio administration. Please contact us or your Morgans Launceston adviser to find out more.

More information

If you would like to find out more before contacting one of our advisers, the Morgans technical research team has produced An essential guide to taking control of your super, which provides further detail on SMSFs.

More and more people are realising the advantages of making their own investment decisions and taking control of their retirement strategy.

An increasingly popular way of doing this is by setting up a self managed superannuation fund (SMSF).

An SMSF gives members of the fund control over specific investment choices involving their superannuation. They can tailor their own investment strategies and select specific assets such as listed securities, managed investments, cash and term deposits, international equities, instalment warrants and so on.

How can we help?

Morgans offers a variety of services for SMSFs, including structure, setup, advice, rollovers, investments, administration and compliance.

We have investment advisers who specialise in superannuation and a technical research team that provides updates and support on the latest in superannuation developments.

Our Services

SMSF administration & investment reporting

Our Wealth+ SMSF Solution is an all-encompassing investment administration and SMSF administration service that allows you to take advantage of the flexibility and control of an SMSF, but outsource the work involved in establishing and running your fund.

Your SMSF investments are managed through our Wealth+ Managed Portfolio Service, which provides you with comprehensive reporting on your fund portfolio and investments, in addition to your annual member statement.

Investment reporting

Clients and their accountants can benefit from our Wealth+ Managed Portfolio Service, which is a reporting facility that we offer for investment administration. This service makes investing easier by collecting and recording all investment information/documentation, however SMSF trustees will need to arrange annual administration of the SMSF using an accountant or administrator.

SMSF administration

Our SMSF administration only service provides fund administration without the portfolio administration. Please contact us or your Morgans Indooroopilly adviser to find out more.

More information

If you would like to find out more before contacting one of our advisers, the Morgans technical research team has produced An essential guide to taking control of your super, which provides further detail on SMSFs.

The Morgans Launceston team of financial planners is dedicated to providing you with professional advice to help ensure you create and maintain wealth throughout your life.

We provide personal advice that takes into account your current financial position, goals and objectives, and is tailored to your individual circumstances and needs.

Areas of advice

Our financial planning advisers provide a complete range of services, from general investment advice to specialist areas such as:

• Superannuation advice
• Retirement planning
• Self managed super funds (SMSFs)
• Estate planning strategies
• Margin lending strategies
• Tax effective strategies
• Centrelink planning

Our specialised financial planning team at Launceston is supported by Morgans' centralised investment management and research capabilities. We have a team of over 30 research analysts providing ideas and investment advice across Australian equities, international equities, fixed income, listed trusts (REITs), hybrids, managed funds and more.

Meeting your needs

We can advise you on the most appropriate course of action, taking into account your current situation and future goals, and work with you and your other advisers (eg tax agents, accountants) to help you achieve those goals.

Contact us

Contact your Morgans Launceston financial planner today to find out how we can help you create and maintain your wealth.

Our team in Cronulla brings deep technical skills to your money goals. We create paths that help you reach your targets. Investing is simple with the right expert help. We offer clear advice to help you build and protect your wealth over time.

What we do

• Find assets that help you grow.
• Protect your assets with insurance.
• Superannuation advice for local workers.
• Help with SMSF setup and management.
• Smart tax planning for your investments.
• Retirement advice for your next chapter.

Our philosophy

We help you through every step of the planning process. We look at what you want to achieve and find the best way to get there. We focus on tax savings and smart ways to structure your money. Plus, we look at risk and insurance to protect your wealth. We keep a close eye on your portfolio to make sure it's working.

Planning for your stage of life

We help you save money regardless of where you're at in life. Read our guides for each decade:

• Young investor's handbook
• Building base wealth in your 30s and 40s
• Post-work financial plan

Contact us

Good advice makes investing simple. Look at our main Financial Planning page or talk to a Cronulla advisor today.

The team at Morgans Launceston stays informed on the vast number of personal insurance products in today’s market. We can provide you with advice to help you select the right cover to protect you in the event you need it.

Half of all Australians over the age of 30 will suffer a major illness that can lead to a long-term disability, and consequently, a long-term loss of income.

Could you afford to take several months off work without pay? If you are self-employed, could your business survive if you weren't around? If the answer is no, then it is important to look at protecting yourself against these risks.

Type of protection

Life insurance

The most common component of a risk insurance solution is life insurance. How it works is straight forward – in the event you die, your beneficiaries (spouse, children, business partners, whomever is nominated) will receive a lump sum payment.

This could be any amount up to millions of dollars to cover all loans and debts you may have, and to cover the future well being of your loved ones.

Total and Permanent Disability (TPD) insurance

TPD insurance covers you in the event you're totally and permanently disabled and unable to work due to illness or injury. In the event this occurs, you will receive a lump sum payment.

Income protection

Income protection provides income replacement options to protect your lifestyle, assets and independence if you suffer illness or injury. It will provide a monthly payment of up to 75% of your income while you are unable to work due to accident or sickness.

Trauma insurance

Trauma insurance protects you from serious medical conditions and illnesses. You will receive a lump sum payment if you are diagnosed with or suffer a life-threatening illness, allowing you to concentrate on what you really need at this time – your recovery.

Business expense insurance

Business expense insurance covers any ongoing expenses of your business, such as rent, salaries, electricity and loan repayments, or bringing in a locum to run the business while the primary income generator is unable to work due to sickness or injury.

If you are the primary income generator in a small business, or if you are self employed, you should consider this sort of cover.

How can we help?

Given the vast number of personal insurance products on the market, it can be difficult deciding on the right cover for your situation.

It is our job to understand every detail of all available products so that we can recommend policies and strategies that suit your individual needs and budget. We can also advise you on ways that your policy can be structured to save you money.

Contact us

Contact a Morgans Launceston adviser to find out more information or to discuss your wealth protection options.

The Morgans Lismore team of financial planners is dedicated to providing you with professional advice to help ensure you create and maintain wealth throughout your life.

We provide personal advice that takes into account your current financial position, goals and objectives, and is tailored to your individual circumstances and needs.

Areas of advice

Our financial planning advisers provide a complete range of services, from general investment advice to specialist areas such as:

• Superannuation advice
• Retirement planning
• Self managed super funds (SMSFs)
• Estate planning strategies
• Margin lending strategies
• Tax effective strategies
• Centrelink planning

Our specialised financial planning team at Lismore is supported by Morgans' centralised investment management and research capabilities. We have a team of over 30 research analysts providing ideas and investment advice across Australian equities, international equities, fixed income, listed trusts (REITs), hybrids, managed funds and more.

Meeting your needs

We can advise you on the most appropriate course of action, taking into account your current situation and future goals, and work with you and your other advisers (eg tax agents, accountants) to help you achieve those goals.

Contact us

Contact your Morgans Lismore financial planner today to find out how we can help you create and maintain your wealth.

New investment opportunities are regularly made available to our clients across all asset classes and industry sectors through company IPOs and capital raisings. View our latest offers here.

Morgans provides a sophisticated approach to retirement management in the Sutherland Shire. We assist high-income earners, established professionals, and multi-generational families in navigating the complexities of high-balance funds and contribution limits. Our focus is on unlocking the full power of tax concessions to safeguard your wealth and fund a seamless transition into your ideal retirement lifestyle.

• Advanced Wealth Structures: Customise your super strategy to protect your hard-earned assets within Australia’s most tax-effective investment vehicle.
• Salary Forfeiture Optimisation: Set up automated employee salary sacrifice frameworks to reduce your annual taxable income while boosting your retirement pool.
• Spouse Splitting Allocations: Balance your family’s total superannuation footprint through targeted contribution splitting and spouse-focused strategies.
• Strategic Self-Managed Funds: Evaluate whether an SMSF offers the asset flexibility and direct control required to meet your long-term investment philosophy.
• Preservation Age Income Mapping: Plan exactly when and how to trigger your account-based pension based on your precise preservation age or invalidity protections.
• Risk and Return Control: Position your superannuation investments effectively to meet your growth needs while retaining total control over portfolio volatility.

Ready for premium asset shielding? View our expert superannuation advice services and find out how our Cronulla advisers can elevate your tax-concessional growth.

Estate planning is an important part of any financial plan. It ensures that, at the time of your death, your estate is dealt with and distributed according to your wishes, and that your financial affairs are in order during your lifetime.

At Morgans Lismore, your financial adviser works with you to ensure that your estate planning is aligned with your financial plan, so that the wealth you have created can be properly directed when you die.

What is estate planning?

Estate planning involves strategies that determine what happens to your wealth after you die. More specifically, an estate plan sets out:

• How your assets will be distributed upon your death
• Who will manage your affairs after your death (or if you become incapacitated)
• Who will take care of any children (if applicable) after your death

Our estate planning services

When it comes to estate planning, Morgans Lismore offers the following services in conjunction with our licensed referral partners:

• Preparation of Wills
• Powers of Attorney
• Testamentary Trusts
• Business Succession Planning

Morgans financial advisers can provide strategic advice on your overall estate plan and are able to refer you to specialist estate planning lawyers who can help you put your plan in place.

Contact us

Contact a Morgans Lismore adviser to find out more information or to discuss your estate planning needs.

Margin lending is borrowing money which you use, in addition to your own money, to invest in financial products such as shares and managed funds.

Essentially, you are "leveraging" the value of your investments through borrowing.

You must have adequate cash or existing shares to use as security for the loan. Only certain shares can be used as security and the amount that can be borrowed will vary for different shares.

Benefits

• Margin lending can give you an opportunity to increase the size of your investments and to diversify your investments. Diversifying your portfolio can reduce your level of risk in the market.
• It can also provide an opportunity to increase the gross return on your own equity by achieving excess returns over tax and borrowing costs.
• Borrowing also allows you to invest at a time you want to invest, rather than having to wait until you have saved enough. This can help you avoid missing out on investment opportunities.
• Interest on borrowed funds is generally tax deductible provided the funds are invested in Australian assets for income-producing purposes.

Please note: Deriving a tax benefit should not be your core focus. You should seek qualified tax advice from a registered tax agent so that you fully understand your personal tax position.

Borrowing limits

Margin lenders generally only allow you to borrow up to a certain value, or percentage, of the shares you wish to buy.

Commonly, limits are set at a maximum of 75% (known as the Loan-to- Value Ratio or LVR) of the value of the shares (less if the share is more speculative or risky). This means you have to make up the difference (ie 25%) with your own cash or existing shares.

This difference is referred to as the “margin”; hence the term “margin lending”.

Borrowing risks

Any borrowing strategy should always be approached with caution.

While borrowing to invest has the ability to leverage returns from investments, it also heightens investment risk. This is because you have a greater amount invested, which will magnify your losses if returns are negative.

Margin lending should be implemented as a long-term investment strategy to allow time to overcome any market volatility and for the leveraging effects to work.

Contact us

Borrowing to invest can be an effective long term strategy for wealth creation as long as you understand the risks and the impact gearing may have on your overall returns.

Contact your Morgans Launceston adviser to seek advice on whether utilising a margin lending strategy is appropriate for you.

Morgans Launceston prides itself on providing a complete solution to all your financial needs. In addition to providing a range of share investment options, our advisers are able to include cash investment alternatives as part of your broader investment strategy.

As a Morgans client, you have access to advice and research across a wide range of listed and unlisted income and fixed interest securities.

Services available:

Income-focussed share portfolios

We specialise in building dedicated income-focussed portfolios for investors. Ask us how you can improve your income today.

Cash management accounts

We offer a range of at-call cash facilities paying attractive interest rates. Our preferred products provide you with direct bank deposits in your name with some of Australia's best known banks, all with "at-call" convenience, which means you can readily access your money.

These accounts can be linked directly to your Morgans trading account, making the transfer of funds a simple and seamless process.

Term deposits

Term deposits are a fixed-term cash investment that provides a guaranteed return. We are able to access competitive rates for clients who wish to invest.

Listed interest rate securities

We have access to a wide variety of listed interest rate securities (hybrids). These securities are in addition to your standard share trading and provide an opportunity to diversify into fixed income. We offer research on all these products through our dedicated fixed interest and income research.

Contact us

Contact your Morgans Launceston adviser to discuss these investment options.

Morgans Managed Portfolios are available exclusively to Morgans clients. These are discretionary managed accounts where Morgans manages a diversified portfolio of ASX-listed securities on your behalf, with all securities held in your own name.

Managed by senior Morgans portfolio managers and underpinned by Morgans' market-leading equity research, Morgans Managed Portfolios take the uncertainty out of investing while keeping you directly invested in the Australian share market.

Why choose Morgans Managed Portfolios?

• The portfolio is managed by specialists, using Morgans' market-leading research.
• Portfolios are held in your name, so you always have full control and transparency of the assets and their performance.
• You deal directly with Morgans Lismore, a team you know and trust.
• Access to a diversified portfolio of ASX-listed securities.
• Lower account minimums than traditional managed investments.
• Transparent cost structure.

Portfolio options

We offer a range of portfolios to suit different investor goals:

• Equity Income Portfolio
• Balanced Portfolio
• Growth Portfolio
• Ethical Portfolio

Contact us

Contact your Morgans Lismore adviser today to find out how Morgans Managed Portfolios can help you reach your financial goals.