• Note from the Director: New Podcast Episode - Keeping your Super working while living abroad.
• Expat Insight: As the Australian financial year draws to a close on 30 June, now is an ideal time for Australians living overseas to review their Super contribution planning.
• Market Movements: Australian shares recovered in April following a difficult March, with the S&P/ASX 200 delivering a positive return of 2.2%.
• Economic Update: Global share markets rebounded strongly in April, supported by improving investor sentiment and stronger-than-expected corporate earnings.

The Runway Report Newsletter is designed to keep Australian expats informed about the latest financial developments and support sound decision-making in a global context.
 
 🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates.
 
 To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

Our host, Mitchell Kelsey is joined by Adam Bolton to unpack the fundamentals of Superannuation, common pitfalls and practical strategies to help Australians both at home and abroad build a stronger retirement future.

A key focus of the conversation is how Australian Expats should think about their Super while living overseas, and why it should remain an active part of their financial strategy rather than a forgotten asset.

In the episode, Mitchell Kelsey and Adam Bolton cover:  

• Superannuation basics – key terms & concepts to understand;
• Navigating retirement challenges for Australians;
• Managing your Superannuation as an Australian living overseas; 
• Strategic contributions to build your Superannuation; 
• How to approach investing once funds are in Super; 
• Investing inside Super vs outside Super: balancing tax efficiency with flexibility; 
• Designing a retirement plan & elevating your Super strategy; 
• Common mistakes when it comes to Superannuation. 

To learn more about Adam Bolton, reach out to Bolton Financial Services: www.boltonfs.com.au

To learn more about how Runway Wealth Management can assist Australians living and working overseas, check out our website here: 

https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

Here’s a summary of the topics featured in this month’s edition:

• Note from the Director: Investing for the Next Generation - How to start investing for your children or grandchildren.
• Expat Insight: How returning Expats can boost retirement with the Downsizer Contribution.
• Market Movements: Australian shares fell sharply in March, driven predominantly by the ongoing conflict in the Middle East.
• Economic Update: Persistent inflation is putting pressure on the Reserve Bank of Australia to consider further interest rate increases at its 4–5 May meeting.

The Runway Report Newsletter is designed to keep Australian expats informed about the latest financial developments and support sound decision-making in a global context.
 
🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates.
 
To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/ 

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

Living overseas creates a unique set of challenges when it comes to investing. Tax residency, investment structures, platform availability, and long-term planning all play a critical role in shaping investment outcomes.

Joined by Tara Buchanan, Managing Director at Worldwide Advisory, we unpack how the expat investment landscape has evolved and what Australians abroad need to be thinking about to avoid costly mistakes and build a strategy that supports their future.

Key takeaways from this episode include: 

• Investment success as an Expat starts with getting the tax and structural foundations right;
• Tax residency is the cornerstone of every investment decision; 
• Taxable Australian property vs. non-taxable Australian property; 
• Flexibility and adaptability are key in Expat investment strategies; 
• You don’t need to invest offshore to invest tax-effectively; 
• Planning opportunities and considerations when it comes to investing in property, shares, ETFs and superannuation. 
• Common investment pitfalls for Expats. 

To learn more about Tara and her work with Australian Expats, or to get in touch, visit: 

https://www.worldwideadvisory.au/

To learn more about how Runway Wealth Management can assist, check out our website here: 

https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

• Note from the Director: How much do you need to retire comfortably in Australia?
• Expat Insight: Higher Superannuation Caps from 1 July 2026.
• Market Movements: Australian shares rose strongly in February, with the ASX 200 gaining 3.7%, driven mainly by the Materials and Financials sectors. 
• Economic Update: The Middle East saw a sharp escalation in tensions over the weekend of 28 February, following joint US–Israel air and missile strikes on Iran. 

The Runway Report Newsletter is designed to keep Australian expats informed about the latest financial developments and support sound decision-making in a global context.
 
🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates.
 
To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

1. A note from the Director: The Power of a Coordinated Approach. 
2. Expat Insight: Potential Changes to the CGT Discount on Property. 
3. Market Movements: Market Spotlight - AI continues to reshape the investment landscape.
4. Economic Update: The Reserve Bank of Australia lifted the cash rate by 25 basis points in February, bringing it to 3.85%.

The Runway Report Newsletter is designed to keep Australian expats informed about the latest financial developments and support sound decision-making in a global context.
 
🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates.
 
To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/
 
General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

In this episode of the Behind the Advice podcast, host Mitchell Kelsey speaks with Tara Gray, New York-based immigration attorney and Founder of The Law Office of Tara Gray PLLC, about the complexities of the US visa system for Australians. Tara specialises in helping Australians navigate US temporary visas, green cards, and citizenship, and brings an informed perspective to one of the most complex immigration systems in the world. 

Together, Mitchell and Tara explore the most common visas Australians use, such as the E3 visa, when it makes sense to think about obtaining green cards or citizenship, and how immigration decisions intersect with financial issues like PFICs, superannuation, and US exit taxes.

Key topics include: 

• Why the US visa system feels particularly complex compared to other countries;
• Key changes and trends in the visa landscape that Australian Expats should be aware of;
• Which visas offer the most flexibility from a lifestyle and career perspective;
• When Australians typically start considering green cards or US citizenship;
• How US tax residency impacts Australian investments under PFIC (Passive Foreign Investment Company) rules;
• The complex US tax treatment of Australian superannuation;
• An overview of the US “exit tax” regime under the HEART Act of 2008 and what it means to be classified as a covered expatriate;

Visa choices can shape your tax status, investment strategy, and even your ability to exit the US cleanly in the future. This episode highlights why early, coordinated immigration and financial advice is essential for Australians heading to or already living in the US.

To learn more about Tara Gray and her work supporting Australians in the US, visit: https://taragraylaw.com/

To learn more about how Runway Wealth Management can assist, check out our website here: https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

Here’s a summary of the topics featured in this month’s edition:

1. A note from the Director: Setting meaningful goals for 2026. 
2. Expat Insight: Financial Opportunities for Australian Expats in 2026.
3. Market Movements: After declining 3% in November, Australian shares staged a recovery in December, rising 1.2%.
4. Economic Update: The Reserve Bank of Australia (RBA) left interest rates unchanged at 3.6% at its December meeting, in line with expectations.

The Runway Report Newsletter is designed to keep Australian expats informed about the latest financial developments and support sound decision-making in a global context.

🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

Hosted by Mitchell Kelsey, this episode welcomes back returning guest Adam Bolton, Director and Financial Adviser at Bolton Financial Services. Together, Mitchell and Adam delve into the dynamics of emerging markets, sector performances, commodities, inflation, and economic updates, while also looking ahead to 2026 and discussing investment strategies and the importance of diversification.

Key discussion points from this episode include: 

• The US market significantly influenced global market sentiment despite concerns about valuations.
• Emerging markets showed strong performance amidst geopolitical risks.
• Technology sector, particularly the Magnificent Seven, dominated market performance.
• Commodities, especially gold and silver, saw significant price increases due to demand and economic uncertainty.
• Inflation trends in Australia and the US raise concerns about future interest rate policies.
• Investors should prepare for potential headwinds in 2026, including national debt and inflation.
• Diversification across asset classes is crucial for long-term investment success.
• Recency bias can lead to poor investment decisions. Historical performance does not guarantee future results.
• Long-term investing remains the best strategy for navigating market volatility.

This episode offers a clear recap of 2025’s defining market trends and an outlook for 2026, giving listeners a practical framework to navigate the year ahead.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/ 

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

In this month’s edition, we discuss: 

📊 A Note from the Director – The latest episode of Behind the Advice is now live, where we recap the major market events of 2025 and discuss what investors may expect as we head into 2026.

🌏 Expat Insight – Australia’s Banking regulator, APRA, introduces new lending rules starting 1 February 2026. We explain how this may affect Australian Expats.

💹 Market Movements – It has been an exceptionally strong year for share markets through calendar year 2025 to date. We take a look at the leaders.

🏦 Economic Update – In November, the US government shutdown finally came to an end after lawmakers in Washington reached a deal to reopen federal operations.

The Runway Report Newsletter is designed to keep Australian expats informed about the latest financial developments and support sound decision-making in a global context. 

🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates. 

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/

General Advice Disclaimer: The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

Whether you're planning a move to Canada, already settled there, or preparing to return home to Australia, this episode aims to help you navigate the complexities of cross-border finances with confidence.

We’re joined by Jonathan Bell, a CPA and Chartered Accountant at Phillip & Company LLP in Ontario, who specialises in supporting individuals and businesses through the complexities of cross-border tax. With a substantial cohort of Australian clients, Jonathan offers practical insights drawn directly from real expat experiences.

In this episode, we break down:

 Key differences between the Canadian and Australian tax systems, including federal vs. provincial taxes and mismatched tax year timelines.

How tax residency is determined with a chat on qualifying as a Canadian tax resident and the Australia-Canada tax treaty. 

Managing Australian-based assets from Canada, including taxation of rental income, shares, ETFs, and the complexities of selling property while abroad.

How Canada treats Australian superannuation, including how withdrawals are taxed in Canada. 

Cross-border tax and financial planning strategies with a dive into RRSPs and TFSAs, contribution rules, tax treatment, and how they fit into an expat’s broader financial plan.

Returning home to Australia with a discussion on what you need to know about deemed dispositions, the 60-month rule, and avoiding unexpected exit taxes.

If you're an Australian expat in Canada, this episode is packed with insights to help you make informed financial decisions at every stage of your journey.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: 

https://www.runwaywealth.com/

If you’re planning a move to Canada or are already settled there, be sure to connect with Jonathan at Phillip & Company LLP for your cross-border tax needs:

Email: jmbell@phillipca.com

Website: https://www.phillipca.com/

General Advice Disclaimer 

The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances.

In this month’s edition, we discuss:

📊 A Note from the Director – Maintaining a steady, disciplined approach through evolving market conditions remains the most effective strategy for achieving long-term financial objectives.

🌏 Expat Insight – The Australian Government has announced proposed changes to the taxation of superannuation balances exceeding certain thresholds. We outline the implications of these adjustments for Australian expats and high-net-worth investors.

💹 Market Movements – Australian equities reached record highs in October before closing the month with a modest 0.4% gain in the S&P/ASX 200. In contrast, Japan’s Nikkei 225 delivered a strong performance, rising 16.6% over the same period.

🏦 Economic Update – Stronger-than-expected inflation data prompted the Reserve Bank of Australia to maintain the cash rate at 3.6% in November, reducing the likelihood of a rate cut in December.

The Runway Report Newsletter is designed to keep Australian Expats informed about the latest financial developments and support sound decision-making in a global context.

🔔 Subscribe to our channel for regular updates and professional insights tailored to the needs of Australian expatriates.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: https://www.runwaywealth.com/

Returning home isn't just about booking flights and packing your belongings. Determining residency rules, understanding capital gains tax, managing foreign pensions and assets are a critical part of an Expat’s repatriation that can have serious tax implications if not properly planned. 

Our guest on this episode is Tara Buchanan, an experienced Tax Accountant and Managing Director at Worldwide Advisory, who specialises in working with Australian Expats. Tara brings deep insight into the common mistakes expats make when returning to Australia and the proactive steps that you can take for a smoother transition home. 

In this episode, we cover: 

• When and how the ATO considers you a tax resident again
• Timing strategies around your return date 
• How overseas assets, including shares and property are treated upon return
• The concept of "deemed acquisition" and resetting your cost base
• Tax treatment of foreign pensions like 401(k)s, CPFs, and MPFs
• How to re-engage with superannuation once you're back
• Practical timelines and planning tips to make your return smoother and more tax-efficient

This episode is packed with must-know tips. It’s never too soon to start thinking strategically about how a return to Australia can impact your financial position. 

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: www.runwaywealth.com. 

In this episode, I’m joined by Joe Perrone, Partner at Ortus Financial and an experienced finance broker, to demystify the lending process for Australian expats. We explore how lending policies differ for expats, what challenges you’re likely to face, and what banks look at when assessing your overseas income and situation.

Joe breaks down key topics such as:

• Which lenders are expat-friendly (and which aren’t)
• Why the lending process is different, and often longer, for expats
• How living in places like Dubai or Singapore can impact your loan application
• Whether you’ll pay higher interest rates or have access to features like offset accounts
• What foreign income discounting means for your borrowing capacity
• Why starting with a clear view of your borrowing power is essential

We also touch on broader market insights, including where interest rates and property prices might be heading over the next 12 months, and Joe shares his #1 piece of advice for expats looking to buy in Australia. If you're an Aussie living overseas and thinking about buying back home, this episode is a must-listen.

You can reach out to Nathan to discuss your specific Australian expat tax position and opportunities to optimise at www.costicaltax.com. Specifically for those living in the UK, reach out to Nathan and the team at www.ukautax.com for integrated UK and Australian tax planning advice.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: www.runwaywealth.com.

Jacob Chester shares his journey into practising Wills and Estates law as an Australian solicitor, what drew him to this field, and why he considers estate planning to be one of the most important conversations you can have.

In this episode, we cover everything from the basics of Wills, Powers of Attorney, and Advanced Health Directives to the more complex strategies involving testamentary trusts and dealing with non-estate assets such as superannuation. You'll learn the importance of the different legal systems and how they interact, what documents are essential in both Australia and abroad, and how to avoid common mistakes.

Whether you're living overseas now or planning an international move, this episode is packed with valuable insights to help you protect your assets, minimise tax, and secure your legacy - wherever life takes you.

The key topics this episode covers:

1. What is the difference between a Will, POA and AHD?

2. Do you need a Will in more than one country?

3. How does superannuation fit into your estate plan?

4. How do financial planning and estate planning go hand-in-hand when it comes to securing your financial future?

5. What is CGT event K3?

Tune in to make sure your estate planning affairs are in order.

They cover:
 📈 The basics of share investing—where to start and what to watch out for
💰 Why diversification is key to a smart investment strategy
📊 The role of ETFs and market indices in building long-term wealth
🛑 How to handle market downturns (hint: don’t panic, there’s opportunity in the chaos)
🌏 Unique investment opportunities for Aussie expats

If you’re looking to make your money work smarter while living abroad, this episode is a must-listen. Tune in now!