Expat & Repatriation Advice

Financial Advice for Australian Expats — and Repatriation Planning for Coming Home

Specialist financial advice for Australians living, working and investing overseas — and for those planning to move back to Australia.

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Australians living overseas face financial questions most local advisers simply aren't equipped to answer — from what happens to your superannuation, to how your tax residency affects your investments, to how to plan a move back home. This is where Unicorp Partners specialises.

As a financial advisor for Australian expats, we work with clients across Asia, the Middle East, Europe and beyond, with meetings via Zoom and a dedicated WhatsApp line (+65 8338 9933) for clients in Asia-Pacific time zones.

Expat superannuation advice

Your superannuation doesn't stop being yours when you move overseas — but the rules around contributions, insurance cover and SMSF residency change. Our expat superannuation advice covers:

Whether and how you can keep contributing while living overseas
Managing or winding down an SMSF while abroad (SMSF management while abroad has strict residency requirements)
Reviewing insurance held inside super that may be affected by your move
Understanding Australian super withdrawal rules when living overseas

Tax residency & cross-border considerations

Your tax residency status affects how your Australian income, investments and property are taxed — and how they interact with the tax rules of your country of residence. We work alongside your tax adviser on:

Understanding your tax residency status for Australian expats
Non-resident capital gains tax (CGT) considerations on Australian property
How a double taxation agreement between Australia and your country of residence may apply
Dual residency financial planning where your situation isn't clear-cut

Currency & investing from overseas

Earning, saving or investing in a foreign currency adds another layer to your financial plan. We help with currency management for expat investments — including timing considerations for moving money between countries and structuring investments with currency risk in mind.

Repatriation planning — coming home to Australia

Planning a return to Australia? Repatriation financial planning is most effective when it starts before you arrive home. Our moving back to Australia financial checklist approach covers:

Re-establishing Australian tax residency and understanding the implications
Reviewing and reactivating superannuation contributions and insurance
Reassessing your investment portfolio for an Australian-resident strategy
Practical timing — what to do before you land, and what can wait

Advice for Australians in Singapore, Hong Kong, the UAE, the UK and beyond

We regularly assist clients based in Singapore, Hong Kong, the UAE, the UK and other expat hubs. Wherever you're based, we can meet via Zoom and stay in touch via WhatsApp — book a free consultation to discuss your situation.

FAQs

Common questions

I'm not happy with my current financial advisor — can you help me switch?

Yes. Switching advisers is straightforward. We'll review your existing super, investments and insurance, identify any gaps or issues (including residency-related ones), and put a plan in place going forward. See our Resources page for more on switching advisers.

I have dual residency — can you still help me?

Yes — dual residency financial planning is one of the more complex areas we work in. We'll focus on the Australian side of your plan and coordinate with your tax adviser on cross-border tax matters.

Do I need a financial adviser in Australia if I live overseas?

If you have superannuation, Australian investments, property, or are considering returning to Australia, having an Australian-based adviser who understands expat issues is valuable — even if your day-to-day banking and tax affairs are handled locally where you live.

Living overseas and want a plan that actually fits your situation?

Book a complimentary 30-minute consultation via Zoom, or message us on WhatsApp at +65 8338 9933.

Book Your Free Consultation