NATHAN MORGAN - FINANCIAL PLANNER

My Money Life

I was born in Mullewa, a small town about an hour inland from Geraldton, where my parents ran the local service station. Life there was simple. I spent my first ten years tearing around with my two younger brothers, baby sister, and all my cousins, never aware of the pressures that come with running a small business. Money never felt scarce or stressful; just something that quietly supported our lives. When I unwrapped a “new” yellow BMX one birthday, it didn’t bother me in the slightest that it was my old red one, sandblasted and repainted by Dad. It was perfect.

As high school approached, we moved to the city of Geraldton. Not long after, I discovered the satisfaction that comes from earning my own money. A part-time job at the local supermarket funded my growing CD collection and the latest Yamaha audio gear to play it on. That was my first real taste of financial independence—earning, spending, and learning what mattered to me.

After finishing school, I didn’t feel ready for further study. Instead, I jumped straight into full-time work, hoping I’d stumble across the right career. I learned quickly that hospitality, accounting, and mining weren’t it. But those years taught me the value of trying, failing, recalibrating, and moving forward - lessons that shaped how I think about money and choices.

My mid-20s took me to Perth, where I began working for a bank in Osborne Park. For the first time, working with money felt like something I could build a future around. That led me into the world of superannuation and investments, starting behind the scenes in administration. It was there I met my wife, Victoria. We later moved to Sydney in similar roles before returning to Perth when our first child was on the way. That’s when I shifted into a distribution role, working closely with financial advisers across WA. Without realising it at the time, those experiences were laying the groundwork for what would become my true vocation.

Twenty years later, and after completing my Graduate Diploma of Financial Planning, I decided it was finally time to choose the career I wanted, not just the one I happened to be in. I’d known the team at HPH Solutions for some time, so they were one of my first calls. The timing was right, and I was given the opportunity to begin my journey as a financial adviser. It was the moment where all the pieces of my “money life” finally clicked into place.

My kids, Fisher and Rosa, have finished high school and are carving out their own paths. Like all parents, we’re navigating the balance between supporting them and not spoiling them, trying to give them the confidence to build their own relationship with money.

And for those who know me well, yes, I’m also a proud Fremantle Dockers supporter. My membership is my one annual budgeting non-negotiable. After all, planning for the future just makes sense… and I’m saving for Freo’s next Grand Final appearance. I’ll be there when it happens - no matter the cost.