Welcome to Episode 150 of the #ExpatChat Podcast, where we explore the latest tax and financial issues affecting Australian expats.

In this episode, Expat Group Q&A, Atlas Wealth Managing Directors James Ridley and Brett Evans answer questions that our members of the Australian Expat Financial Forum Facebook Group have asked.

They recorded their 150th podcast episode and answered questions from listeners about wills, superannuation, and tax implications for Australian expats.

The discussion covered various financial planning considerations for Australians living abroad, including retirement planning risks, tax obligations in different countries, and the importance of two-dimensional financial advice that accounts for both Australian and foreign tax implications.

If you've also had those questions that only an expat has, this episode is packed with key insights to help you stay informed and making the most out of your time overseas.

Links that we discussed in this episode include:

• Upcoming Seminars & Webinars – atlaswealth.com/events

• Facebook Group – Don’t forget to join our Australian Expat Financial Forum Facebook Group – / australianexpatfinancialforum

• Ask Atlas – Have your questions answered on the podcast by clicking this link – atlaswealth.com/news-media/au...

• Expat Mortgage Podcast – atlaswealth.com/news-media/au...

• Weekly Recap Podcast – atlaswealth.com/news-media/au...

If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below.

The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

To find out more about the Atlas Wealth Group visit www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to Episode 149 of the #ExpatChat Podcast, where we explore the latest tax and financial issues affecting Australian expats.

In this episode, The Importance of Wills for Expats, Atlas Wealth Managing Directors James Ridley and Brett Evans unpack the complexities of managing your estate while living overseas.

They provide an overview of estate planning for expatriates, including the importance of country-specific wills and the handling of various asset types and beneficiary nominations.

While an international will does not exist, having a will in each country where assets or family members are present is crucial and they addressed common misconceptions, such as the effectiveness of international wills, and encouraged expats to consult professionals for tailored advice.

With a shift in expat perspectives towards longer-term residency this is leading to increased interest in comprehensive estate planning.

Whether you have assets spread all over the world or are just starting your expat wealth creation journey, this episode is packed with key insights to help you stay compliant and protect your wealth.

Links that we discussed in this episode include:

• Upcoming Seminars & Webinars – atlaswealth.com/events

• Facebook Group – Don’t forget to join our Australian Expat Financial Forum Facebook Group – / australianexpatfinancialforum

• Ask Atlas – Have your questions answered on the podcast by clicking this link – atlaswealth.com/news-media/au...

• Expat Mortgage Podcast – atlaswealth.com/news-media/au...

• Weekly Recap Podcast – atlaswealth.com/news-media/au...

If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below.

The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

To find out more about the Atlas Wealth Group visit www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to Episode 148 of the #ExpatChat Podcast, where we explore the latest tax and financial issues affecting Australian expats. In this episode, Expat Do’s and Don’ts for SMSFs, Atlas Wealth Managing Directors James Ridley and Brett Evans unpack the complexities of managing Self-Managed Superannuation Funds (SMSFs) while living overseas.

They provide an overview of the legal, financial, and compliance responsibilities SMSF trustees face abroad—highlighting how to avoid costly penalties and potential fund disqualification.

A key focus is on the “central management and control” rule and its role in determining SMSF residency status. James and Brett breakdown the 183-day rule, the distinction between temporary absences and permanent relocations, and what happens when trustees move overseas.

You’ll also hear about strategies to maintain compliance, such as appointing a Power of Attorney or converting to a small APRA fund. Real-life scenarios illustrate how different choices impact compliance and tax outcomes, reinforcing the need for expert planning before relocating.

Whether you're currently managing an SMSF overseas or considering a move, this episode is packed with key insights to help you stay compliant and protect your retirement wealth.

Links that we discussed in this episode include:

• Upcoming Seminars & Webinars – atlaswealth.com/events

• Facebook Group – Don’t forget to join our Australian Expat Financial Forum Facebook Group – / australianexpatfinancialforum

• Ask Atlas – Have your questions answered on the podcast by clicking this link – atlaswealth.com/news-media/au...

• Expat Mortgage Podcast – atlaswealth.com/news-media/au...

• Weekly Recap Podcast – atlaswealth.com/news-media/au...

If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below.

The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

To find out more about the Atlas Wealth Group visit www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to the one hundred and forty seventh episode of the #Expatchat podcast, where we dive into the most pressing tax and financial issues impacting #Australianexpats around the globe. Hosted by James Ridley, Managing Director of Atlas Wealth Management, this episode features a special Q&A with Martin Jack, Atlas Wealth’s Financial Planner - APAC where they tackle listener-submitted questions and provide expert insights.

Key Topics Covered:

• US Exit Tax – What it is, who it affects, and how to plan ahead.

• Superannuation – Updates, contribution strategies, and how super fits into an expat’s financial plan.

• Investing in Australia: Shares vs. Property – A balanced comparison of both asset classes and what suits expats best.

James and Martin share real-world examples and practical advice to help you navigate these complex areas with confidence.

Links that we discussed in this episode include:

• Upcoming Seminars & Webinars – https://atlaswealth.com/events

• Facebook Group – Don’t forget to join our Australian Expat Financial Forum Facebook Group – / australianexpatfinancialforum

• Ask Atlas – Have your questions answered on the podcast by clicking this link – https://atlaswealth.com/news-media/au...

• Expat Mortgage Podcast – https://atlaswealth.com/news-media/au...

• Weekly Recap Podcast – https://atlaswealth.com/news-media/au...

If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below.

The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

To find out more about the Atlas Wealth Group visit www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Expat Chat Episode 146 - Expats Managing Compensation Schemes

Welcome to the one hundred and forty sixth episode of the #Expatchat podcasts, where we discuss the latest tax and financial issues affecting an #Australianexpat. In this episode, Atlas Wealth Managing Directors, James Ridley and Brett Evens dive deep into the complexities of equity compensation—a critical topic for globally mobile professionals. From Restricted Stock Units (RSUs) and stock options to Employee Share Purchase Plans (ESPPs), they unpack the tax implications, risks, and strategies every expat should know when navigating company equity abroad.

James breaks down why RSUs are often dubbed "Golden Handcuffs," explores how they're taxed in different jurisdictions (with a spotlight on the U.S.), and why tax withholding may not be enough. The duo also highlights timing, vesting schedules, and diversification as key pillars of managing equity wealth, especially for those in tech or with concentrated stock exposure.

Whether you're dealing with complex tax rules, wondering when to sell your shares, or trying to reduce your financial exposure to one company, this episode offers  valuable insights.

Key Topics Covered:

- RSU taxation across borders

- Stock options vs. RSUs vs. ESPPs

- Risks of holding too much company stock

- Diversification strategies and tax efficiency

- Currency considerations (USD weakness and global exposure)

If you're an expat with equity on your payslip, this one’s for you. Tune in and take control of your compensation.

Links that we discussed in this episode include:

- Upcoming Seminars & Webinars - https://atlaswealth.com/events

- Facebook Group - Don't forget to join our Australian Expat Financial Forum Facebook Group - https://www.facebook.com/groups/Australianexpatfinancialforum

- Ask Atlas - Have your questions answered on the podcast by clicking this link - https://atlaswealth.com/news-media/australian-expat-podcasts/questions-or-feedback-for-the-expat-podcast/

- Expat Mortgage Podcast - https://atlaswealth.com/news-media/australian-expat-podcasts/expat-mortgage-podcast/

- Weekly Recap Podcast – https://atlaswealth.com/news-media/australian-expat-podcasts/weekly-recap-podcast-4/

If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below.

The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

To find out more about the Atlas Wealth Group visit www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt 

LinkedIn: www.linkedin.com/company/atlas-wealth-management

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to the one hundred and forty fifth episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat.

In this episode of Expat Chat, Atlas Wealth’s cross-border financial planner Martin Jack joins James Ridley, Managing Director (APAC), to walk through a real-life case study involving two US-based Australian expats preparing to return home. With significant US assets—including a large 401(k), vested RSUs, and a US property—plus long-term green card status, their story highlights the intricate financial and tax challenges that come with repatriation.

Martin outlines the financial and tax planning challenges they faced, from navigating the U.S. exit tax under the HEART Act to managing currency risk, timing asset sales, and diversifying a concentrated stock position. You'll hear key strategies used to optimize their transition, including why they chose to relinquish their green cards and how they structured the transfer of retirement assets to minimize tax impact in both countries.

Whether you're a fellow expat or an advisor helping clients navigate cross-border moves, this episode is packed with actionable insights and cautionary lessons.

Key topics covered:

• Exit tax traps for long-term green card holders

• Cross-border 401(k) and superannuation strategies

• Timing asset liquidation and property sales

• Managing RSU concentration and unsystematic risk

• Tax residency implications during repatriation

Links that we discussed in this episode include:

• Upcoming events - atlaswealth.com/events

• Facebook Group - Australian Expat Financial Forum Facebook Group - www.facebook.com/groups/Australia…atfinancialforum

• Ask Atlas - Have your questions answered on the podcast by clicking this link - atlaswealth.com/news-media/austra…he-expat-podcast/

• Expat Mortgage Podcast - atlaswealth.com/news-media/austra…mortgage-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/austra…-recap-podcast-4/

If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below.

The Atlas Wealth Group is a specialist in providing tax, financial planning, asset management and mortgage services to every Australian #expat.

Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

The Atlas Wealth Group was born out of the demand from Australian expats who wanted a professional to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas.

To find out more about the Atlas Wealth Group and how we can help Australian expats please go to www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-group

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to the one hundred and forty fourth episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat.

In this episode, James Ridley, Managing Director of the Australian office, breaks down the implications of the recently passed “One Big Beautiful Bill” on Australian expats living in the U.S.

Now signed into law as of July 4, 2025, the legislation introduces several key tax changes—most notably, a 3.5% excise tax on outbound remittances beginning January 1, 2026. This could significantly affect visa holders (E-3, L-1, H-1B, and green card holders) who regularly send funds overseas.

James also explains how this tax could apply to:

- Restricted stock units (RSUs)

- Dividends and rental income

- Proceeds from property or share sales

Currency providers may be required to withhold the tax at source, adding a compliance burden for expats and institutions alike.

Another critical update: Section 899, the so-called “retaliatory tax,” could raise U.S. dividend withholding rates up to 50% for residents of countries deemed to have “unfair” tax systems—Australia's status remains to be clarified.

Action Items:

✅ Seek advice if you're inheriting shares as a non-resident—CGT event K3 may apply.

✅ Register for our upcoming webinar to learn more about U.S. tax changes, currency shifts, and cross-border financial strategies.

✅ Prepare early for 2026, especially if you transfer money internationally or receive U.S.-sourced income.

Links that we discussed in this episode include:

• Upcoming events - atlaswealth.com/events

• Facebook Group - Australian Expat Financial Forum Facebook Group - www.facebook.com/groups/Australia…atfinancialforum

• Ask Atlas - Have your questions answered on the podcast by clicking this link - atlaswealth.com/news-media/austra…he-expat-podcast/

• Expat Mortgage Podcast - atlaswealth.com/news-media/austra…mortgage-podcast/

• Weekly Recap Podcast – https://atlaswealth.com/news-media/australian-expat-podcasts/weekly-recap-podcast-4/

If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below.

The Atlas Wealth Group is a specialist in providing tax, financial planning, asset management and mortgage services to every Australian #expat.

Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

The Atlas Wealth Group was born out of the demand from Australian expats who wanted a professional to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas.

To find out more about the Atlas Wealth Group and how we can help Australian expats please go to www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-group

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to the one hundred and forty third episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat.

In today’s Expat Chat we discuss what tips and tricks are available for Australian expats with the 2025 end of financial year rapidly approaching.

When you move overseas the idea of forgetting all about the dreaded 30th of June end of financial year deadline is appealing however if you still have some economic ties to Australia, whether that is property, shares or superannuation, you still need to consider your financial options as an expat.

In this episode we run through the following topics:

• Important end-of-financial-year considerations for Australian expats

• Importance of lodging tax returns on time to avoid penalties and interest charges

• The need to disclose HECS/HELP debts and explore different methods for doing so

• Tax deductions, particularly superannuation contributions, which must be made within the next 30 days to be eligible for the current financial year

• Rental property deductions, the difference between repairs and improvements

• Importance of correctly setting up withholding tax on bank accounts and dividends for non-residents

Links that we discussed in this episode include:

• Upcoming events - https://atlaswealth.com/events

• Facebook Group - Australian Expat Financial Forum Facebook Group - https://www.facebook.com/groups/Australianexpatfinancialforum

• Ask Atlas - Have your questions answered on the podcast by clicking this link - https://atlaswealth.com/news-media/australian-expat-podcasts/questions-or-feedback-for-the-expat-podcast/

• Expat Mortgage Podcast - https://atlaswealth.com/news-media/australian-expat-podcasts/expat-mortgage-podcast/

If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below.

The Atlas Wealth Group is a specialist in providing tax, financial planning, asset management and mortgage services to every Australian #expat.

Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

The Atlas Wealth Group was born out of the demand from Australian expats who wanted a professional to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas.

To find out more about the Atlas Wealth Group and how we can help Australian expats please go to https://www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-group

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to the one hundred and forty second episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat.

In today’s Expat Chat we discuss what life is like living as an Australian expat in Switzerland.

With over 5,000 Australian expats calling Switzerland home there are many appealing factors why people choose to move to there.

These factors can normally be broken down into two reasons - for work or for love.

Like any other country Switzerland has its own rules that Australian expats need to comply with, some obvious and some very new.

In this episode we run through the following topics:

• Why do Australian expats move to Switzerland?

• How does the Cantonal tax system in Switzerland work and what do Australian expats need to be aware of?

• What is the Swiss culture like and how do you adapt?

• What is the cost of living like in Switzerland?

• Swiss financial advice and strategy planning?

Links that we discussed in this episode include:

• Upcoming events - https://atlaswealth.com/events

• Facebook Group - Australian Expat Financial Forum Facebook Group - https://www.facebook.com/groups/Australianexpatfinancialforum

• Ask Atlas - Have your questions answered on the podcast by clicking this link - https://atlaswealth.com/news-media/australian-expat-podcasts/questions-or-feedback-for-the-expat-podcast/

• Expat Mortgage Podcast - https://atlaswealth.com/news-media/australian-expat-podcasts/expat-mortgage-podcast/

If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below.

The Atlas Wealth Group is a specialist in providing tax, financial planning, asset management and mortgage services to every Australian #expat.

Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

The Atlas Wealth Group was born out of the demand from Australian expats who wanted a professional to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas.

To find out more about the Atlas Wealth Group and how we can help Australian expats please go to https://www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-group

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Welcome to the one hundred and forty first episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat.

In today’s Expat Chat we discuss how the Albanese governments re-election with a increased majority will effect Australian expats.

At the recent Australian federal election not only did the Labor party win but they increased their majority in parliament and also knocked the Liberal party leader off his perch resulting in Dutton losing his seat.

In this episode we run through the following topics:

• What are the first things Labor is looking to change?

• What is the $3m superannuation tax and how does this affect Australian expats?

• Will the government start taxing Australian trusts?

• Will there be a change to the negative gearing laws?

• Will we see a change to the tax residency laws?

Links that we discussed in this episode include:

• Upcoming events - https://atlaswealth.com/events

• Facebook Group - Australian Expat Financial Forum Facebook Group - https://www.facebook.com/groups/Australianexpatfinancialforum

• Ask Atlas - Have your questions answered on the podcast by clicking this link - https://atlaswealth.com/news-media/australian-expat-podcasts/questions-or-feedback-for-the-expat-podcast/

• Expat Mortgage Podcast - https://atlaswealth.com/news-media/australian-expat-podcasts/expat-mortgage-podcast/

If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below.

The Atlas Wealth Group is a specialist in providing tax, financial planning, asset management and mortgage services to every Australian #expat.

Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community.

The Atlas Wealth Group was born out of the demand from Australian expats who wanted a professional to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas.

To find out more about the Atlas Wealth Group and how we can help Australian expats please go to https://www.atlaswealth.com.

Make sure you connect with us on our respective social media channels:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-group

Twitter: www.twitter.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup