Financial Advisers in Orange

Morgans Orange offers professional investment expertise for the Central West region. Whether you are finding your way in the market or are an experienced trader, our stockbrokers in Orange deliver clear, personalised advice tailored to your risk profile. We combine local regional insight with a national network of professionals to provide a superior share trading experience. Our focus is on helping you build long-term wealth through high-quality share selection and disciplined planning.

• Custom Share Portfolios: We provide professional guidance on selecting individual stocks and constructing a balanced portfolio that suits your unique financial goals.
• Top-Tier Research: Every recommendation is backed by our award-winning national research team, providing you with deep market insights.
• Local and Global Trading: Trade on all major Australian exchanges like the ASX, NSX or Cboe. Plus, gain access to 22 international markets across North America, Europe, and Asia.
• Capital Market Offers: Our clients gain direct access to the latest company IPOs and exclusive capital raisings, often unavailable to the general public.
• Wealth+ Admin Support: Simplify your investing with our managed portfolio service. We handle the paperwork and administration so you can stay focused on your strategy.
• Online Account Tracking: Monitor your performance 24/7 through our secure portal. Check live share prices, read market news, and access research reports instantly.

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

Tax planning involves structuring your financial affairs to legally minimise the amount of tax you pay. Good tax planning considers your current position and future financial goals.

How can we help?

Morgans advisers work closely with your accountant to ensure your investment strategy is as tax effective as possible.

Tax planning strategies

• Superannuation contributions – maximising concessional and non-concessional contributions
• Investment structure – holding investments in the most tax effective structure
• Income splitting – distributing income to lower income family members
• Capital gains tax management – timing the realisation of capital gains and losses
• Negative gearing – using investment borrowings to reduce taxable income

Working with your accountant

Tax planning is most effective when your financial adviser and accountant work together. We are happy to work collaboratively with your existing advisers.

Morgans Orange 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 share trading account for easy settlement. You can also have your dividend and interest payments credited directly to the account and make regular payments from it.

Your adviser can handle all the paperwork as well as ongoing transactional instructions, freeing you of the administrative burden.

Term deposits

A term deposit is a deposit held at a financial institution that has a fixed term, generally paying a higher interest rate than an "at-call" account. You can use a term deposit to enhance the returns on surplus cash balances and as the foundation for building a dedicated income portfolio.

Morgans has preferential relationships with a host of leading banks and other Authorised Deposit taking Institutions (ADIs). Funds can be swept from your "at-call" account and invested for the term and interest rate that best suits your needs.

Foreign currency term deposits

A foreign currency term deposit is a foreign denomination held at a financial institution that has a fixed term. Rates offered are very attractive on deposit amounts of AUD100,000 or greater.

Flexible/structured term deposits

Flexible term deposits offer the ability to combine both floating and fixed interest rate payments within a single deposit. This allows investors to structure interest payments based on their view of future interest rate levels. Morgans offers these products on deposit amounts of $100,000 or greater.

Listed debt and hybrid investments

As a major participant in the Australian listed fixed interest securities market, we can offer you advice as well as a range of new investment opportunities from a range of Australia's largest banks and industrial companies.

Listed debt and hybrid investments deliver higher levels of income, paid regularly; some also offer the benefits of franking. Your adviser can build a tailored income portfolio for you, which unlike managed fund alternatives, can be constructed to take into account your specific objectives and risk profile.

Government and corporate bonds

We offer a comprehensive Government bond investment service, including custody facilities. Bonds improve portfolio diversification and help reduce portfolio risk while providing stable income.

The yields on Government bonds will generally be lower than most other interest rate investments but provide absolute security when held to maturity.

Larger investors can also access the wholesale corporate bond market.

Contact us

For more information or a term deposit interest rate quote please contact a Morgans Orange adviser.

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

Morgans Orange provides professional financial planning to help you navigate your investment journey in the Central West. We tailor wealth solutions that specifically match your goals and regional lifestyle. Investing is all about taking the right opportunities. We offer the professional advice needed to make the entire process simple, helping you build and safeguard your wealth over time.

• Bespoke Portfolio Building: Our experienced financial advisers build personalised financial plans that aim to create, grow, and protect your wealth.
• Holistic Specialisms: We specialise in selecting appropriate assets for wealth creation, wealth protection through personal insurance, and superannuation strategies.
• SMSF Management: Gain local support for Self-managed Superannuation Funds (SMSFs) to give you greater flexibility with your retirement future.
• Tax efficiency: Our team provides tax planning to manage the amount of tax you pay and detailed planning for your retirement.
• Structured Approach: Your Morgans adviser will take you through the wealth management planning process, implement your strategies, and help you make the most of all opportunities.
• Decade-Specific Guidance: preparation is key at every stage of life. Access our professional guides designed for your decade:
  
  • A young professional’s guide to wealth in Orange
  • Growth strategies for families: 30s and 40s
  • The roadmap for a successful Orange retirement

Professional help makes a big difference to your future. Contact an Orange adviser today or read more about Financial Planning on our national site.

The team at Morgans Orange 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 Orange adviser to find out more information or to discuss your wealth protection options.

Options and warrants are financial derivatives that give the holder the right, but not the obligation, to buy or sell an underlying asset at a specified price on or before a specified date.

How can we help?

Our advisers can help you understand and use options and warrants as part of your investment strategy.

Options

An option gives the holder the right to buy (call option) or sell (put option) shares at a set price (exercise price) on or before a set date (expiry date).

Warrants

A warrant is similar to an option but is issued by a third party (usually a bank or financial institution) rather than through an exchange.

Uses of options and warrants

• Hedging – protecting an existing portfolio against a fall in value
• Income generation – generating additional income from an existing portfolio
• Leverage – gaining exposure to a larger portfolio with a smaller outlay
• Speculation – taking a view on the direction of a market or stock

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 Central West of New South Wales. 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 Orange advisers can elevate your tax-concessional growth.

The Morgans SMSF Solution is a comprehensive service for self managed super fund (SMSF) trustees that combines investment management, administration and compliance in one integrated solution.

How can we help?

We provide end-to-end SMSF administration and investment management, giving you more time to focus on what matters most.

What's included

• Investment management by Morgans’ investment experts
• SMSF administration including annual accounts and tax return preparation
• Audit coordination
• Ongoing compliance monitoring
• Regular reporting and online access to your SMSF

Benefits

• Convenience – all your SMSF needs managed in one place
• Expertise – professional investment management and administration
• Transparency – regular reporting and online access
• Peace of mind – compliance and regulatory requirements managed for you

A self managed super fund (SMSF) is a private superannuation fund that you manage yourself. SMSFs can have up to six members and offer greater control and flexibility over your retirement savings.

How can we help?

Morgans can assist with all aspects of setting up and running your SMSF, from establishment through to pension phase.

Benefits of an SMSF

• Control – you decide how your super is invested
• Flexibility – a wider range of investment options including direct property
• Tax effectiveness – SMSFs can be highly tax effective when managed correctly
• Estate planning – greater flexibility in how benefits are paid to beneficiaries

Is an SMSF right for you?

An SMSF is not right for everyone. We will help you understand whether an SMSF is appropriate for your circumstances and objectives.

Retirement planning is the accumulation of wealth to provide income and financial security in retirement. Estate planning focuses on wealth preservation and wealth transfer.

How can we help?

With a dedicated technical research team Morgans' advisers are kept up to date with legislation changes.

If you are planning your retirement, just reducing your working hours, or thinking about an estate plan, we can help.

Retirement planning

Good retirement planning is both tax efficient and investment effective. It's never too early to start planning for retirement. It is important to ensure your retirement income is structured to suit your needs and objectives.

Income in retirement

The three main sources of income in retirement are:

• Superannuation – pension income stream and/or lump sum withdrawals
• Non-superannuation assets – returns from shares, property, cash and fixed interest
• Centrelink – age pension benefits

We can help you to structure your retirement income stream to best meet your financial needs.

Estate planning

Estate planning aims to preserve your family’s wealth by distributing it to nominated beneficiaries in the most effective way.

It requires a consideration of each beneficiary’s personal and financial circumstances to determine the best means of providing an inheritance without unfairly affecting the beneficiary’s existing situation.

The first step is ensuring you have a current and valid will. In addition to a will, estate planning may also involve setting up trusts, powers of attorney and advanced health directives.

Our advisers can help ensure your estate is structured to provide financially for your family and loved ones in the event of your death or incapacity.

The Morgans Managed Portfolio Service (MPS) is a professionally managed investment solution that provides access to a range of diversified investment portfolios.

How can we help?

Our investment experts construct and manage diversified portfolios designed to meet a range of investment objectives and risk profiles.

What is MPS?

MPS is a separately managed account (SMA) solution that gives investors direct ownership of the underlying securities in their portfolio.

Benefits of MPS

• Professional investment management
• Direct ownership of underlying securities
• Tax effectiveness – direct ownership allows for tax-loss harvesting
• Transparency – see exactly what you own
• Flexibility – customise your portfolio to reflect your preferences
• Regular reporting and online access