Money Side Up

What would happen to your family, assets and affairs if something happened to you tomorrow?It's a question many Australian expats avoid, but one that becomes increasingly important as wealth, family responsibilities and cross-border complexities grow.In Episode 30 of the Money Side Up Podcast, co-hosts Jarrad Brown, Senior Financial Planner for Australian expats based in Singapore, and Will Cant, Associate Director at Ally Wealth, are joined by estate planning specialist Lucy d'Ambrumenil to discuss the estate planning issues every Australian expat should understand.Before diving into the interview, Jarrad and Will also discuss the latest developments affecting expats, including the proposed non-resident CGT indexation changes, the growing number of Australian business owners exploring life overseas, the planning challenges involved in leaving Australia, and the outlook for the Australian dollar.In this episode, we cover:The latest update on the proposed Capital Gains Tax indexation rules and what they could mean for Australian expatsWhy more Australian business owners are considering moving overseas and the tax and structuring implications involvedThe current outlook for the Australian dollar and key considerations for expats managing money across bordersWhy estate planning is often overlooked by expats until it's too lateWhether an Australian Will is enough once you move overseasThe common and costly mistakes expats make with Wills and estate planningHow to approach estate planning when you own assets in both Australia and SingaporeWhether you should have one Will or separate Wills across multiple countriesWhy guardianship arrangements are critical for families with young childrenThe role of Enduring Powers of Attorney, Living Wills and Advance Medical DirectivesWhat can happen if you become incapacitated without the proper documents in placeAdditional estate planning considerations for business owners and those with investment structuresThe practical steps Australian expats can take now to better protect their families and wealthWhether you're building wealth overseas, raising a family in Singapore, running a business across borders, or planning your eventual return to Australia, this episode highlights the often-overlooked risks and planning opportunities that can have a lasting impact on your loved ones.Estate planning isn't just about what happens after you're gone. It's about ensuring the right people can make the right decisions at the right time, no matter where life takes you. This episode will help you understand what needs attention today so your family isn't left facing unnecessary complications tomorrow.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

In this episode, co-hosts Jarrad Brown, Senior Financial Planner for Australian expats based in Singapore, and Joel Kerin, Director of Financial Planning at Ally Wealth, are joined by tax specialist Brad Murphy to unpack the 2026–27 Australian Federal Budget and what it means for Australian expats living abroad.The Budget introduces some of the most significant changes to property taxation, Capital Gains Tax (CGT), and negative gearing in decades. For Australian expats who own property, are planning to invest, or intend to return home in the future, understanding these reforms has never been more important.In this episode, we cover:The latest outlook for Australian interest rates, property markets, and investor activity following the BudgetWhy the changes to negative gearing and CGT could dramatically alter the economics of Australian property ownership for expatsHow the grandfathering of existing property investments may create winners and losers across future generations of investorsThe proposed CGT indexation framework, what it means for long-term investors, and why accurate record-keeping is becoming increasingly importantWhether Australian expats should reconsider the timing of property sales, debt reduction strategies, and return-to-Australia planningHow the Budget has increased the relative attractiveness of superannuation as a long-term wealth-building vehicleCommon planning mistakes expats are already making in response to the reforms, and how to avoid emotional decisionsPractical planning opportunities that may emerge from the changes for current property owners and future investorsThe key areas of uncertainty that remain within the legislation and the challenges of practical implementationThe actions Australian expats should consider now to position themselves for the years aheadWhether you're an Australian expat building wealth overseas, planning your eventual return home, or simply trying to understand how the biggest tax reforms in decades could affect your financial future, this episode provides valuable insights, practical strategies, and expert commentary to help you navigate the changing landscape with confidence.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

The Australian Federal Budget – What It Means for Aussies at Home and AbroadIn this episode, co-hosts Jarrad Brown, Senior Financial Planner for Australian expats based in Singapore, Joel Kerin and Will Cant, Senior Advisers with Ally Wealth Management, to unpack one of the most significant tax reform budgets we've seen in a generation.This Federal Budget fundamentally changes how wealth is taxed in Australia, particularly for investors, business owners, and high-income earners. Our hosts share their expert insights on what's changing, what it means for your strategy, and how Australians at home and abroad can position themselves for what's coming.In this episode, we cover:An overview of the Budget and the government's intent to rebalance the tax system between workers and investorsThe major shake-up to Capital Gains Tax (CGT) – including the removal of the 50% CGT discount, the introduction of inflation indexation, and a new 30% minimum tax on capital gains from 1 July 2027Sweeping changes to negative gearing, including grandfathering of existing arrangements, restrictions to newly built properties only, and how losses can (and can't) be offset for established propertiesThe new 30% minimum tax on discretionary trusts proposed to come into effect from 1 July 2028, and what this means for family trust structuresWhy superannuation has been left largely untouched, and why it may become an even more attractive long-term wealth vehicleForward-looking strategies that Australian investors, business owners, and expats should be considering now to stay ahead of the changesWhether you're living in Australia, building wealth as an expat overseas, or planning your return home, this episode delivers the clarity, context, and practical takeaways you need to navigate the new landscape with confidence.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

Planning Your Move from the US to AustraliaMoving back to Australia from the US isn’t just a relocation.It’s a tax event.In this episode, co-hosts Jarrad Brown and Will Cant are joined by Jason Stoch from Uptrend Advisory to unpack what Australian expats need to understand before making the move home.Because the US doesn’t just let go easily.We cover: → The key tax differences between the US and Australia → Why leaving the US is more complex than most expect → How global taxation continues even after you leave → The US “exit tax” and who it applies to → Common traps when renouncing residency or citizenship → Timing strategies around income, bonuses, and asset sales → How US investments and retirement accounts are treated on return → Where the US–Australia tax treaty helps (and where it doesn’t) → Ongoing reporting obligations and risks if you get it wrongWe also share real client case studies, Australians relocating both to and from Australia, covering what’s worked, what hasn’t, and how far in advance you actually need to plan.If you’re in the US, or thinking about heading back, this is essential listening.Because getting this wrong isn’t just frustrating.It’s expensive.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

Are you planning to return to Australia..?Thinking about moving back to Australia after living overseas? This episode is a must-listen.Co-hosts Jarrad Brown and Will Cant explore the recent market volatility, oil prices, how we're positioning client portfolios and the outlook for the Australian dollar.We are then joined by special guest Brad Murphy (Murphy Tax) to unpack the financial and tax complexities of returning home as an Australian expat.We cover:→ The current global landscape and what it means for expats→ Currency movements and expat sentiment on returning home→ The biggest tax traps when repatriating to Australia→ Why timing your return can save (or cost) you thousands→ What to do with investments before becoming an Australian tax resident again→ Key considerations for overseas property owners→ Foreign income, bonuses, share schemes, and hidden tax risks→ Moving money back to Australia and reporting obligationsBrad shares real-world insights, including costly mistakes expats make, and how proper planning can lead to significant tax savings.If you’re planning to return in the next few years, this episode will give you a clear roadmap on what to think about now to avoid expensive surprises later.Listen now and get ahead of your move back home.#MoneySideUp #AustralianExpats #Repatriation #FinancialPlanning #TaxPlanning #ExpatLifeConnect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

Welcome to the first episode of 2026.In Episode 25, Jarrad Brown and Joel Kerin unpack what’s shaping the financial landscape for Australians at home and abroad as we enter the new year.We dive into the interest rate outlook ahead of upcoming RBA meetings and discuss whether fixing or staying variable makes sense in the current environment. We also cover early 2026 market performance, why volatility can create opportunity, and why now is a smart time to review concentration risk and rebalance portfolios.With the Australian dollar moving sharply against major currencies in recent months, we explore what this means for expats earning, investing and holding assets offshore.To round out the episode, we share a practical Q1 financial checklist. From reviewing savings rates and subscriptions to reassessing lending, superannuation strategies and estate planning, plus key considerations for anyone planning to leave Australia this year.If you want to start 2026 with clarity and control over your finances, this episode is for you.Subscribe to Money Side Up on your favourite podcast platform and follow us @moneysideup for more insights throughout the year.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

In episode 24 of the podcast, and the final one for 2025, we dive into one of the most overlooked aspects of personal finance - estate planning.This is one of the most important areas of financial planning for Australians living at home and overseas.In this episode of the Money Side Up Podcast, host Jarrad Brown, Senior Financial Planner for Australian expats in Singapore, is joined by Joel Kerin from Ally Wealth Management and Isabelle Marcarian, Principal Solicitor at Safewill Legal, to unpack how estate planning works when your life, family, and assets span multiple countries.Before diving into the legal side, we also step back and explore how Australian expats can complete an annual personal health check of their finances, including practical end of financial year planning considerations in Singapore. This includes reviewing progress against goals and key actions to consider before the Singapore tax year ends.This episode provides a practical, no-nonsense estate planning toolkit designed specifically for Australian expats, whether you’re early in your overseas journey or well established offshore.We cover:Why estate planning matters for expats, and how Australian wills work when you have overseas assetsWhether you need one will or multiple wills across different countries, and how conflicts of law are handledThe roles of executors, powers of attorney, guardianship, and common mistakes expats makeHow superannuation, digital assets, and major life events fit into an effective estate planThis episode is essential listening if you want to stay on top of your finances, protect your family, and ensure your estate plan works for you in Australia and globally.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

In Episode 23 of the Money Side Up Podcast, we’re diving deep into one of the most misunderstood yet powerful tools available to Australian property investors, depreciation.Jarrad Brown, Senior Financial Planner for Australian expats in Singapore, is joined by co-host Will Cant, Senior Adviser with Ally Wealth Management in NSW. Together, they break down the latest from the RBA, insights into the current crackdown on private credit and what Australian expats need to know.Then they sit down with Tyron Hyde, CEO of Washington Brown and one of Australia’s leading experts in quantity surveying. Tyron brings decades of experience to the table, offering clear, practical insights into how depreciation works, how to maximise claims, and why every investor, at home or abroad, should understand this tax benefit.In this episode, you’ll learn: ✅ What a quantity surveyor actually does, and why investors rely on them ✅ The biggest myths about property depreciation (and which ones need busting) ✅ How depreciation schedules work and how much they can save you ✅ Whether older properties still qualify for meaningful deductions ✅ Capital works vs. plant & equipment, and what investors often get wrong ✅ Recent legislative changes affecting depreciation claims ✅ What expats need to know about claiming depreciation from overseasTyron also shares his personal journey, the story behind Washington Brown, and what the future looks like for the quantity surveying profession as technology reshapes the industry.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

In this month’s episode of Money Side Up, co-hosts Jarrad Brown and Joel Kerin are joined by special guest Berrin Ongun, Director at Shepherd Asia, to explore what Australian entrepreneurs and expats need to know before setting up a business in Hong Kong.They unpack how Hong Kong’s territorial tax system and low corporate tax rates can benefit Australian business owners, and the key steps involved in incorporation, compliance, and ongoing tax obligations.Whether you’re thinking of launching your first venture overseas or expanding an existing business into Asia, this episode covers everything you need to know about: ✅ The process of registering a company in Hong Kong ✅ Profits tax, audits, and compliance requirements ✅ Banking, payroll, and MPF obligations ✅ Visa options for business owners and employees ✅ Common pitfalls for Australian entrepreneurs abroad ✅ How Shepherd Asia helps simplify the process for expatsPlus, Jarrad and Joel discuss the latest RBA rate update, strengthening of the Australian dollar, and the Home Guarantee Scheme launch- with insights on what it all means for Australian expats managing their finances globally.🎧 Tune in to learn how to take advantage of Hong Kong’s business-friendly environment while staying compliant and financially smart.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!

In this month’s episode of Money Side Up, we cover two big areas every Australian expat should have on their radar.First, we break down the August interest rate cut from the RBA and the latest moves in the Australian dollar. What they mean for expats, investors, and those planning a return home.Then, we shift focus to the Kingdom of Saudi Arabia. Senior Financial Planner Jarrad Brown and Senior Adviser Will Cant sit down with special guest John Scott to unpack what it’s really like to relocate to KSA and start a business from scratch.Inside this episode: ✅ What the RBA rate cut and AUD shifts mean for expats ✅ Life in KSA - the reality of moving, living, and working there ✅ The tax-free environment and its financial planning traps & opportunities ✅ Step-by-step: the process of setting up a business in Saudi Arabia ✅ Banking, currency, and international transfer challenges ✅ Key cultural and business etiquette differences ✅ Lessons learned, surprises faced, and John’s advice for Australian expatsWhether you’re keeping tabs on markets or exploring new opportunities abroad, this episode has insights to help you make better financial decisions.Connect with Us:Website: https://moneysideup.com.auFacebook:  https://www.facebook.com/moneysideupLinkedIn: https://www.linkedin.com/company/moneysideupYouTube: https://www.youtube.com/@MoneySideUpPodcastSubscribe & Listen:Available on all major podcast platforms: Spotify, Apple Podcasts, and more.Feedback & Questions:We'd love to hear from you! Whether you have a question for us, or just want to drop us a note - reach out at [email protected]:The content of this podcast is for informational and entertainment purposes only and should not be considered as financial advice. Always seek professional advice from a licensed financial adviser or tax agent for your personal financial matters.Support Us:If you enjoyed this episode, please leave us a 5-star rating and review on your preferred podcast platform. It really helps us reach more Aussies around the world!Upcoming Episode:Don’t miss our next episode where we're interviewing an excellent guest, and covering the latest need to know personal finance information for Australians at home and abroad. Stay tuned!