Behind The Advice Australia

Welcome to the September edition of The Runway Report Newsletter, our monthly market and economic update prepared specifically for Australian expats. Each month, we provide informed commentary on the latest developments in financial markets, economic trends and policy changes that may impact Australians living and investing abroad. 

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

• Note from the Director: A 30-Year Perspective on Investing; Vanguard’s latest Index Chart.
• Expat Insight: Managing cash savings as an Australian Expat: When cash savings grow beyond what you need for your day-to-day expenses, it’s important to give excess Cash an active purpose.
• Market Movements: Share markets recorded a generally positive month in August 2026, although performance varied considerably between regions and asset classes.
• Economic Update: The economic environment remains challenging, with inflation continuing to influence central bank decisions both in Australia and overseas. 

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/contact

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.

Runway Wealth Management Pty Ltd (ABN 17 677 212 967) (Corporate Authorised Representative No. 001311450) are authorised representatives of AFSL 340289.

What actually happens when you engage a Financial Adviser? 

In this episode of Behind the Advice Australia, Runway Wealth Management’s Director and Financial Adviser, Mitchell Kelsey is joined by Adam Bolton, Financial Adviser and Director of Bolton Financial Services, to take a closer look at the Australian financial advice process and the work that sits behind the recommendations a client ultimately receives.

For an Australian living overseas, obtaining financial advice can involve additional considerations, particularly where Australian financial arrangements intersect with an individual’s overseas circumstances. The conversation explores the journey from the initial client discussion through to strategy development, research, compliance, implementation and ongoing advice, providing an insight into what clients may not always see behind the advice process.

Key topics discussed include: 

• The key stages involved in obtaining financial advice and what clients can expect throughout the process;
• How advisers assess the circumstances, objectives and financial position of a client; 
• The research, strategy development and modelling that underpin personalised recommendations;
• The regulatory, compliance and professional obligations involved in delivering financial advice as a licensed Australian Financial Adviser; 
• What a Statement of Advice (SoA) represents and the work required to prepare it;
• How advice fees are structured, what clients are paying for and what happens after recommendations are accepted;
• The additional considerations that can arise when obtaining financial advice as an Australian expat.

The episode concludes with a discussion covering common misconceptions about Financial Advisers, the most misunderstood aspects of the advice process and what Australians living overseas should consider when choosing a Financial Adviser.

Whether you are an Australian living overseas and considering obtaining financial advice or simply want to better understand how the financial advice process works, this episode provides an insight into the professional work involved in developing and delivering quality financial advice.

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.

Runway Wealth Management Pty Ltd (ABN 17 677 212 967) (Corporate Authorised Representative No. 001311450) is an authorised representative of AFSL 340289. 

Welcome to the August edition of The Runway Report Newsletter, our monthly market and economic update prepared specifically for Australian expats. Each month, we provide informed commentary on the latest developments in financial markets, economic trends and policy changes that may impact Australians living and investing abroad. 

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

• Note from the Director: Not all tax changes affect everyone equally. The Government’s recent CGT and negative gearing reforms are a good example. 
• Expat Insight: Making the most of Employer Share Plans and Equity Compensation while living overseas. 
• Market Movements: Markets delivered a mixed performance in July, with Australian and UK shares posting solid gains, rising 2.30% and 3.53% respectively, while several Asian markets and US technology shares fell. 
• Economic Update: Economic data in July provided some encouraging signs, although inflation remains above central bank targets both in Australia and overseas. 

We’re incredibly proud to share that our Director and Financial Adviser, Mitchell Kelsey, has been shortlisted for the 2026 FS Power50. The FS Power50 recognises financial advisers who demonstrate leadership, influence and a meaningful contribution to their clients, the profession and the broader community.

Voting is officially open, and we would be incredibly grateful if our clients, professional connections and wider community could take a moment to cast a vote for Mitchell. You can vote for Mitchell using this link: https://www.financialstandard.com.au/fspower50 

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/contact

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. 

Welcome to the July edition of The Runway Report Newsletter, our monthly market and economic update prepared specifically for Australian expats. Each month, we provide informed commentary on the latest developments in financial markets, economic trends and policy changes that may impact Australians living and investing abroad. 
 
Here’s a summary of the topics featured in this month’s edition:

• Note from the Director: In June, our Director was honoured to be named a finalist in the 2026 Australian Wealth Management Awards in the Adviser of the Year – High Net Worth category. 
• Expat Insight: Capital Gains Tax Changes from 1 July 2027 and the implications for Australian Expats.
• Market Movements: June saw a more mixed month across global financial markets, with the Australian S&P/ASX 200 rising 0.50%, while the US S&P 500 was down 1.06% and NASDAQ 2.81% lower.
• Economic Update: The Reserve Bank of Australia (RBA) left the cash rate unchanged at 4.35% in June, as widely expected. The decision marked the first pause in the tightening cycle that began in February 2026.

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/contact

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.

Moving between Australia and New Zealand may seem straightforward, but your tax and financial planning can become far more complex once you cross the Tasman.

In this episode of the Behind the Advice Australia Podcast, Mitchell Kelsey is joined by Connie Lui, Tax Advisor and Director of NZ International Tax & Property Advisors, to discuss the key tax considerations for Australians living and working in New Zealand.

Together, they explore the differences between the Australian and New Zealand tax systems, explain how KiwiSaver works, discuss the Transitional Residency concession, and cover important considerations for Australian superannuation, investments and property.

Whether you've recently moved to New Zealand, are planning a relocation, or expect to return to Australia in the future, this episode provides practical insights to help you better understand your cross-border financial position.

In this episode, we discuss: 

•        How Australian tax residents become New Zealand tax residents.

•        The four-year Transitional Residency concession and how it can reduce tax on certain foreign income.

•        Annual tax obligations in New Zealand, including tax returns and tax rates.

•        How KiwiSaver works, including employee, employer and government contributions.

•        How investment earnings within KiwiSaver are taxed.

•        Transferring KiwiSaver to Australian Superannuation when returning home.

•        The tax treatment of Australian Super while living in New Zealand.

•        Tax considerations for Australian investment properties and share portfolios.

•        Common tax mistakes Australians make after moving to New Zealand.

•        Why coordinated tax and financial advice is important for Australians living across the Tasman.

To learn more about Connie Lui and her team at NZ International Tax & Property Advisors, visit: https://nztaxprop.co.nz/

To learn more about how Runway Wealth Management can assist Australians living and working overseas, visit: 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.

Runway Wealth Management Pty Ltd (ABN 17 677 212 967) (Corporate Authorised Representative No. 001311450) are authorised representatives of AFSL 340289.

Welcome to the June edition of The Runway Report Newsletter, our monthly market and economic update prepared specifically for Australian expats. Each month, we provide informed commentary on the latest developments in financial markets, economic trends and policy changes that may impact Australians living and investing abroad. 
 
Here’s a summary of the topics featured in this month’s edition:

• Note from the Director: Understanding the impact of currency movements on global investments.
• Expat Insight: Returning to Australia with a Foreign Pension Account: Why planning ahead is crucial.
• Market Movements: Global share markets continued their strong run in May, with the S&P 500 rising for nine consecutive weeks.
• Economic Update: Australia's economy expanded by 0.3% in the March quarter and 2.5% over the year to March 2026.

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.

Welcome to the May edition of The Runway Report Newsletter, our monthly market and economic update prepared specifically for Australian expats. Each month, we provide informed commentary on the latest developments in financial markets, economic trends and policy changes that may impact Australians living and investing abroad. 
 
Here’s a summary of the topics featured in this month’s edition:

• 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.

In this episode of Behind the Advice, we explore one of the most important pillars of long-term wealth creation for Australians - Superannuation. 

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.

Welcome to the April edition of The Runway Report Newsletter, our monthly market and economic update prepared specifically for Australian expats. Each month, we provide informed commentary on the latest developments in financial markets, economic trends and policy changes that may impact Australians living and investing abroad. 

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.

In this episode of Behind the Advice Australia, we explore how Australian Expats should approach investment planning in 2026.

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.