Financial Advisers in Scone

Our Scone stockbrokers bring professional-grade investment advice to the Upper Hunter region. Whether you are finding your way in the market or have years of experience, we provide a full-service experience that is local and accessible. We pride ourselves on delivering research-driven advice and a highly personalised service that reflects your individual risk profile and investment style. We are dedicated to providing the same high-level expertise found in capital cities to our regional clients.

• Personalised Share Management: We help you build a portfolio from the ground up, providing clear advice on individual share selection and strategic construction.
• Research-Driven Decisions: Gain an edge with access to our national, award-winning research team. We provide the data and analysis you need to trade with confidence.
• Australian & International Markets: Access all securities on the ASX, NSX and Cboe, plus international equities on 22 select exchanges across North America, Europe, and Asia.
• Early-Stage IPO Access: Our clients gain entry into the latest corporate capital raisings and IPOs, supported by our industry-leading corporate finance team.
• Wealth+ Administrative Support: Our Wealth+ managed portfolio service removes the hassle of share trading by providing comprehensive investment administration.
• Secure Online Portal: Monitor your wealth 24/7. Our website allows you to check share prices, read announcements, and access our latest research reports from any device.

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

Fixed interest investments are loans made to governments or companies that pay a fixed rate of interest for a set period of time. They include bonds, term deposits and debentures.

How can we help?

Fixed interest investments have a place in most portfolios. Our advisers can advise on the right balance for your portfolio.

Fixed interest investment types

Bonds

A bond is a loan to a government or company. The borrower pays interest (a coupon) for a set period of time and repays the face value on maturity.

Term deposits

A term deposit is a cash investment with a bank, credit union or building society for a specific amount of time at a fixed interest rate.

Debentures

A debenture is similar to a bond but is secured against the borrower’s assets rather than by government backing.

Benefits of fixed interest investments

• Regular, predictable income stream
• Capital preservation
• Diversification of investment portfolio
• Lower risk compared to shares

Margin lending is a type of investment loan that allows you to borrow money to invest in shares, managed funds or other approved securities.

How can we help?

Our advisers can help you understand whether margin lending is appropriate for your situation and structure a facility that suits your needs.

How does margin lending work?

A margin loan uses your existing investments as security. The lender sets a loan-to-value ratio (LVR) for each approved security, which determines the maximum amount you can borrow against it.

Benefits of margin lending

• Leverage – increase your exposure to investment markets
• Diversification – build a larger, more diversified portfolio
• Tax effectiveness – interest on investment loans is generally tax deductible

Risks of margin lending

Margin lending amplifies both gains and losses. If the value of your portfolio falls, you may receive a margin call requiring you to reduce your loan balance. It is important to understand and manage these risks.

Personal insurance is about protecting yourself and your family against financial hardship if you become ill, are injured or die.

How can we help?

Morgans advisers will review your situation and help you put in place the right level of cover to give you peace of mind.

Types of personal insurance

Life insurance

Provides your dependants with a lump sum or income stream payment in the event of your death or terminal illness diagnosis.

Total and permanent disablement (TPD)

Provides a lump sum payment if you suffer a total and permanent disability that prevents you from working again.

Trauma (critical illness) cover

Provides a lump sum payment if you are diagnosed with a specific medical condition such as cancer, heart attack or stroke.

Income protection

Replaces your income (up to 75%) if you are unable to work due to illness or injury. Income protection is generally tax deductible.

Funding your insurance premiums

Insurance premiums can be paid by you personally or, in some cases, through your superannuation fund. There are pros and cons to each approach and we will help you determine what’s right for your situation.

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 in Scone offers a premier approach to wealth building in the Upper Hunter region. We help primary producers, business operators, and local families manage what is often their largest asset outside of real estate. Our experienced advisers combine technical research with a personalised touch to provide reliable support that helps you navigate contribution limits, tax rebates, and retirement income streams smoothly.

• Concessional Strategy Formation: Make the most of available tax concessions to ensure your retirement savings support a comfortable, independent lifestyle.
• Transition to Retirement Rules: Implement professional TTR strategies to access retirement income tax-effectively while maintaining your corporate momentum.
• Comprehensive Salary Packaging: Optimise your executive remuneration using structured salary sacrifice options instead of taking taxable income.
• Voluntary Contribution Routing: Boost your super balance with voluntary after-tax funds and capture available government co-contributions where eligible.
• Account-Based Pension Setup: Roll over your super balances into highly tax-effective pension streams that offer flexible investment choices and transparent asset control.
• Estate and Beneficiary Alignment: Secure total flexibility over how your remaining superannuation pension balance is left to your family and heirs.

Step into a superior wealth-building model. Find out how our superannuation advice can help you establish an elite income foundation for your retirement days ahead.

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.