Financial Advisers in Merimbula

The Morgans Mona Vale 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 Mona Vale 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 Mona Vale financial planner today to find out how we can help you create and maintain your wealth.

Morgans Merimbula provides professional stockbroking services on the Sapphire Coast. We help novice and experienced investors alike build portfolios that reflect their unique financial goals. As a full-service broker, we deliver personalised advice supported by national expertise. We focus on providing high-quality sharemarket strategies that are grounded in research and clear communication, helping you invest with total confidence.

• Strategic Portfolio Advice: Our advisers offer personalised recommendations on share selection and construction to suit your specific lifestyle and goals.
• In-Depth Market Insights: Access our award-winning research reports. We provide the data and analysis required to make informed decisions in a changing market.
• Broad Exchange Access: Manage local holdings on the ASX, NSX or Cboe, or diversify globally with access to over 20 international exchanges across the US, Europe, and Asia.
• New Listing Access: Stay informed about upcoming IPOs and capital raisings. We provide our clients with exclusive entry into new corporate opportunities.
• Wealth+ Administrative Support: Simplify your investing with Wealth+. We manage all documentation and record-keeping so you can focus on your long-term strategy.
• Digital Client Portal: Monitor your wealth via our secure website. Access real-time share prices, research updates, and market news from any device.

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

The team at Morgans Maroochydore 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 Maroochydore adviser to find out more information or to discuss your wealth protection 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 Maroochydore, 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 Maroochydore adviser today to find out how Morgans Managed Portfolios can help you reach your financial goals.

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 Mackay 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.

Our team in Merimbula brings deep technical skills to your money goals on the Sapphire Coast. We create paths that help you reach your targets through professional financial planning. Investing is simple with the right professional help. We offer clear advice to help you build and protect your wealth over time while making the most of all opportunities available to you.

• ‍Personalised Wealth Solutions: Our experienced financial advisers build personalised financial plans that aim to create, grow, and protect your wealth.
• ‍Our Guidance: We specialise in selecting appropriate assets to build your wealth, wealth protection through personal insurance, and smarter superannuation results.
• ‍Local SMSF Guidance: Gain specialist advice for Self-managed Superannuation Funds (SMSFs) to help you manage your own retirement capital.
• ‍Tax and Retirement Strategy: Our team provides tax planning to manage the amount of tax you pay and comprehensive retirement planning.
• ‍Continuous Management: Your Morgans adviser will lead you through each step of the planning journey, ensuring your wealth strategy remains aligned with your lifestyle.‍
• Life Milestone Roadmap: We help you build and save money at every step. Access our professional guides:
  
  • A young investor’s guide to freedom
  • Wealth growth tips for your 30s and 40s
  • Securing independence in Merimbula retirement

Professional help and a steady plan are the keys to success. Contact a Merimbula adviser today or visit our national Financial Planning page.

Morgans Maroochydore can offer clients trading in Australian and International equities, Exchange Traded Funds (ETFs), Listed Investment Companies (LICs), IPOs and more.

Advisory

Our Maroochydore advisers provide investment advice personalised to your financial needs and goals. We utilise Morgans' powerful investment research and take the time to understand your investment objectives and risk profile before making a recommendation. From there, we can deliver regular market updates and investment ideas to keep you up to date on your portfolio and the broader market.

Discretionary

If you'd like to take a more hands-off investment approach, our advisers can take care of your portfolio for you. They will execute transactions on your behalf, without the need to seek approval for every transaction. This solution is guided by a mandate you agree to that outlines your investment goals and objectives.

Online trading

Morgans offers an easy to use, feature-rich online trading platform - MorgansOnline. With MorgansOnline you can trade Australian and International equities at competitive brokerage rates, and access news, research, educational resources and market data for informed investing.

Contact us

Contact your Morgans Maroochydore adviser 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 in Merimbula offers a refined approach to retirement wealth structuring. We help everyone from primary producers to local business owners develop an accumulation strategy that fits their individual lifestyle and risk profile. Backed by a dedicated national technical research team, our local advisers ensure your retirement portfolio stays fully compliant with changing federal legislation while capturing every available structural advantage. Specialised assistance remains vital to protect your hard-earned assets from shifting regulatory headwinds.

• Tailored Strategic Options: Build a clear road map utilising tax concessions and financial rebates designed specifically for your long-term wealth goals.
• Salary Packaging and Sacrifice: Minimise your personal taxable income by effectively redirecting a portion of your pre-tax salary directly into your fund.
• Self-Employed Contributions: We assist business operators and self-employed professionals in determining their optimal deductible or non-deductible contribution limits based on their annual taxable income.
• Retirement Income Streams: Transition smoothly into retirement by establishing account-based pensions that provide stable, tax-effective income while you retain ultimate control over investment risk.
• Comprehensive Account Consolidation: Streamline your administration and eliminate unnecessary fees by centralising fragmented accounts into a single, high-performing choice of superannuation.
• Spouse Splitting Strategies: Manage family assets efficiently by utilising spouse splitting rules to share the tax benefits of your superannuation contributions.

Take control of your financial destiny and learn more about superannuation advice options customised for your wealth bracket by our Merimbula team.

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 Maroochydore adviser to seek advice on whether utilising a margin lending strategy is appropriate for you.

Morgans Maroochydore 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 Maroochydore adviser to discuss these investment options.

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

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 Maroochydore 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.