Financial Advisers in Chatswood

Morgans Chatswood provides premium stockbroking services on Sydney’s North Shore. We help novice and professional investors develop a trading style that works for their financial future. Our service is defined by a commitment to personalised advice and research-driven strategies. Backed by a national network, our local advisers ensure you have the elite tools and data required to succeed in the sharemarket.

• Strategic Portfolio Advice: We offer tailored recommendations on individual share selection and portfolio structure to meet your long-term goals.
• Award-Winning Insights: Benefit from our top-tier research team, delivering comprehensive data to support every investment you make.
• Global Trading Reach: Trade on all domestic Australian exchanges and gain access to 22 global markets, including major hubs in North America and Asia.
• IPO Participation: Our clients receive direct access to the latest company IPOs and exclusive capital raisings managed by our corporate team.
• Wealth+ Managed Solution: Simplify your investing journey. Our Wealth+ service provides total administrative support for your share portfolio.
• Real-Time Digital Tools: Access our secure client website to manage your wealth. Track prices, read announcements, and download research instantly.

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

Morgans Hervey Bay 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.

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Contact your Morgans Hervey Bay adviser to discuss these investment options.

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

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

Our team in Chatswood brings years of experience to your money goals. We create paths that help you get where you want to go. Investing doesn't have to be hard. We offer clear advice and a steady hand to help you build a better future.

How we help

We build personal plans that grow and protect your wealth. We're experts in:

• Selecting assets that build wealth.
• Protecting your assets with insurance.
• Improving your superannuation results.
• Professional SMSF support.
• Tax planning to keep more of your returns.
• Plans for a successful retirement.

Our approach

We walk you through a clear planning process. We help you decide what you want for the future and how to get it. We build strategies that focus on tax and lower risk. Plus, we help with insurance and better structures for your assets. We look at your total portfolio to make sure it's doing what you need.

Guides for your life journey

We help you save and grow your wealth at any age. Use these guides to see what to consider for your specific stage:

• ‍Kickstarting your wealth
• ‍Strategic growth for mid-life
• ‍Securing your retirement income

Contact us

A patient approach and expert help make a big difference. Contact our team to learn more about Financial Planning or talk to a Chatswood advisor today.

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

Advisory

Our Hobart 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 Hobart 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.

Managing your retirement assets on Sydney's North Shore requires an astute understanding of how superannuation can be leveraged as a tax-effective vehicle. Our Chatswood team delivers a dedicated, client-focused approach, helping local families and professionals build lasting security. We keep you up to date with legislative adjustments and thresholds so you can make informed decisions about your financial future.

• Custom Retirement Strategies: Build a comfortable standard of living in retirement by forming a strategy that maximises long-term financial incentives.
• Employer Super Guarantee Auditing: Ensure your employer contributions are correctly structured, and complement them with smart voluntary after-tax contributions.
• Government Co-Contribution Entry: Evaluate your eligibility for government co-contribution payments based on your personal voluntary contribution levels.
• Transition to Retirement Frameworks: Access your accumulated wealth early through structured pension systems while continuing your professional career.
• Account-Based Pensions: Benefit from more generous Centrelink treatment and generate more tax-effective income by rolling your super into an account-based pension stream.
• Fund Choice and Structuring: Compare the merits of retail super funds, corporate funds, and self-managed superannuation options to find the right fit for your family.

Protect your family lifestyle and future retirement comfort. Read more about our superannuation advice solutions to lock in your long-term roadmap in Chatswood.

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 Hervey Bay 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.

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.

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

Discover your financial potential with our comprehensive Personal Investing services. Tailored to meet your unique financial goals and risk tolerance, our expert team provides personalised strategies and cutting-edge tools to help you navigate the complexities of the investment world.