Ken Howard
Private Client Adviser
Brisbane | Authorised representative number: 000259290
Why choose me?
The right combination of cash, property and shares can ensure clients attain and sustain the lifelong goal of financial independence.
For my clients the most common goal is to attain and sustain financial independence. During their careers they achieve this by working and saving, but during retirement it is by working their savings. With 25 years of experience, it is my role to advise clients on the design implementation and management of strategies targeted at achieving and sustaining financial independence.
Investment & Wealth Management Services
Financial Planning
Who needs financial planning?
Financial planning suits individuals and families navigating major life changes, such as marriage, buying a home or approaching retirement. It's also valuable for anyone managing unexpected events like job loss or inheritance and wanting a clear, personalised strategy for their financial future.
What does financial planning involve?
Financial planning considers your income, assets, goals and risk tolerance to build a personalised wealth management strategy. It covers budgeting, investment structuring, insurance and estate considerations, with a focus on adapting the plan as your circumstances change.
How does financial planning help during major life events?
A financial adviser helps you prepare for and respond to significant life moments, from starting a family to changing careers or receiving an inheritance. The approach balances short-term needs with long-term objectives, ensuring your strategy remains secure and relevant as life evolves.
What are the long-term benefits of financial planning?
The outcome is a personalised financial strategy that provides clarity, security and confidence. Ongoing financial planning helps you stay on track towards your goals while adapting to changing life stages, legislation and economic conditions.
Financial planning suits individuals and families navigating major life changes, such as marriage, buying a home or approaching retirement. It's also valuable for anyone managing unexpected events like job loss or inheritance and wanting a clear, personalised strategy for their financial future.
What does financial planning involve?
Financial planning considers your income, assets, goals and risk tolerance to build a personalised wealth management strategy. It covers budgeting, investment structuring, insurance and estate considerations, with a focus on adapting the plan as your circumstances change.
How does financial planning help during major life events?
A financial adviser helps you prepare for and respond to significant life moments, from starting a family to changing careers or receiving an inheritance. The approach balances short-term needs with long-term objectives, ensuring your strategy remains secure and relevant as life evolves.
What are the long-term benefits of financial planning?
The outcome is a personalised financial strategy that provides clarity, security and confidence. Ongoing financial planning helps you stay on track towards your goals while adapting to changing life stages, legislation and economic conditions.
Retirement advice
Who needs retirement advice?
Retirement advice suits individuals approaching or in retirement who want to make the most of their superannuation, assets and government entitlements. It's also suited to those wanting to understand how to structure their income for a financially secure retirement.
What does retirement advice involve?
Retirement advice considers how superannuation, investments and Centrelink entitlements work together to fund your retirement. It includes tax-efficient income strategies and investment structuring, tailored to your goals and lifestyle expectations.
How is a retirement strategy tailored to individual goals?
Retirement planning balances tax efficiency, investment performance and reliable income streams. Advisers stay current with legislative changes affecting superannuation and the age pension, ensuring your strategy reflects the latest rules and opportunities.
What are the long-term benefits of retirement advice?
The outcome is a retirement income strategy designed for financial security and peace of mind. It provides confidence that your income, tax position and entitlements are optimised, with flexibility to adjust as legislation and personal circumstances change.
Retirement advice suits individuals approaching or in retirement who want to make the most of their superannuation, assets and government entitlements. It's also suited to those wanting to understand how to structure their income for a financially secure retirement.
What does retirement advice involve?
Retirement advice considers how superannuation, investments and Centrelink entitlements work together to fund your retirement. It includes tax-efficient income strategies and investment structuring, tailored to your goals and lifestyle expectations.
How is a retirement strategy tailored to individual goals?
Retirement planning balances tax efficiency, investment performance and reliable income streams. Advisers stay current with legislative changes affecting superannuation and the age pension, ensuring your strategy reflects the latest rules and opportunities.
What are the long-term benefits of retirement advice?
The outcome is a retirement income strategy designed for financial security and peace of mind. It provides confidence that your income, tax position and entitlements are optimised, with flexibility to adjust as legislation and personal circumstances change.
Superannuation advice
Who needs superannuation advice?
Superannuation advice suits anyone wanting to make the most of their super, from those early in their career building contributions to those approaching retirement and reviewing their strategy. It's especially valuable if you're unsure how to maximise contributions and tax benefits.
What does superannuation advice involve?
Superannuation advice looks at how contributions, investment options and tax structures work together within your super fund. It covers concessional and non-concessional contribution strategies, investment selection and how to align your super with your broader financial goals.
How can superannuation advice maximise your retirement savings?
Superannuation is one of the most tax-effective ways to save for retirement, but making the most of it means understanding contribution caps, co-contributions and salary sacrifice opportunities. An adviser helps you apply the right strategy at the right time, keeping pace with legislative changes.
What are the long-term benefits of superannuation advice?
The outcome is a superannuation strategy that grows your retirement savings efficiently while minimising unnecessary tax. It gives you confidence that your contributions and investment choices are working towards a comfortable, well-funded retirement.
Superannuation advice suits anyone wanting to make the most of their super, from those early in their career building contributions to those approaching retirement and reviewing their strategy. It's especially valuable if you're unsure how to maximise contributions and tax benefits.
What does superannuation advice involve?
Superannuation advice looks at how contributions, investment options and tax structures work together within your super fund. It covers concessional and non-concessional contribution strategies, investment selection and how to align your super with your broader financial goals.
How can superannuation advice maximise your retirement savings?
Superannuation is one of the most tax-effective ways to save for retirement, but making the most of it means understanding contribution caps, co-contributions and salary sacrifice opportunities. An adviser helps you apply the right strategy at the right time, keeping pace with legislative changes.
What are the long-term benefits of superannuation advice?
The outcome is a superannuation strategy that grows your retirement savings efficiently while minimising unnecessary tax. It gives you confidence that your contributions and investment choices are working towards a comfortable, well-funded retirement.
Financial Markets & Economic Insights
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Property vs shares: which builds better long-term wealth?
Ken Howard (AR: 000259290)
Private Client Adviser
Are Tech Stocks in a Bubble?
Ken Howard (AR: 000259290)
Private Client Adviser
The Impact of Inflation on Property Prices in Australia
Ken Howard (AR: 000259290)
Private Client Adviser
The Impact of Inflation on Property Prices in Australia
It can be argued that a little bit of inflation is a good thing, it rewards productivity and provides the incentive to save and invest, but perversely high inflation erodes purchasing power without adding value. When entrenched in a feedback loop, inflation ‘degrades’ the capacity of a ‘cash-savings-strategy’ to finance* investment. (*e.g. saving a deposit for a home).
Testimonial
"Their service is personalised, professional and transparent. The high standard of information and reporting provided 24/7, on the client portal, is highly valued by us. It allows monitoring of our investments at any given time. The communication has been excellent. We have regular discussions about our investments, ideas and plans with Ken, backed up by his competent support team." ...more
Helping thousands of Australians retire with confidence
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Trusted Wealth Management for Investors
For more than 40 years, Morgans has provided professional investment management and wealth advisory services to Australians seeking clarity, structure and long‑term financial confidence. Our advisers work with individuals, families and high net worth clients to develop tailored investment strategies aligned to their financial objectives.
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