01
Contributions as a non-resident
What you can and can't contribute while overseas, the caps that still apply, and the last-chance contributions worth making before you leave.
Service 05 / 07 · Super
Superannuation &
retirement strategy.
Australian super is one of the most powerful retirement vehicles in the world - and one of the easiest to mishandle as an expat. The rules don't change when you leave, but the strategy that works for you absolutely does.
§ 01
Who this is for.
Get super wrong as an expat and it compounds quietly for decades. Get it right and your retirement works for you wherever you live. The hard part is that the optimal strategy shifts the moment you become a non-resident - and shifts again as you move between countries, schemes and life stages.
This service is for expats thinking seriously about long-term wealth: contributions while overseas, SMSF members worried about residency, and anyone juggling Australian super alongside a foreign pension scheme.
§ 02
What this covers.
02
SMSF residency risk
Running an SMSF from overseas can breach the residency conditions and jeopardise the fund's complying status. The central management and control test is unforgiving.
03
Transfer balance caps & drawdowns
How the caps apply across borders, and the most tax-efficient way to draw down Australian super while living abroad.
04
Foreign pension interaction
401(k)s, IRAs, UK SIPPs, EU pillar pensions and more - each interacts differently with Australian rules, and with the relevant treaty.
05
Drawdowns from foreign schemes
Bringing foreign retirement savings into the Australian system, or drawing them while resident, can trigger tax that planning would have avoided.
06
Decades of compounding at stake
Small mistakes in super strategy don't stay small. The cost - or the benefit - plays out over the whole of your retirement.
§ 03
How we help.
01 / 05
Non-resident contribution strategy
What to contribute, when, and the last-chance moves worth making before departure.
02 / 05
SMSF residency planning
Keeping the fund complying while you're overseas - or restructuring before it's a problem.
03 / 05
Australian & foreign pension coordination
Super, 401(k)s, IRAs, SIPPs and pillar pensions brought under one strategy.
04 / 05
Transfer balance & drawdown planning
The most tax-efficient way to hold and draw your retirement savings across borders.
05 / 05
Long-horizon modelling
The decades-out picture, so today's decisions are made with the whole retirement in view.
Nobody had ever joined the dots between my super, my UK pension and my US 401(k). Having one strategy across all three changed how I think about retiring.Senior executive · London → Melbourne · Superannuation strategy
Make retirement work wherever you live.
Super mistakes compound for decades; so do the wins. Let's build one strategy across your Australian super and every foreign scheme you hold.
Book a superannuation consultationRelated services.
Service 01 / 07
Residency determinations
Go →
Service 02 / 07
Tax return preparation & lodgement
Go →
Service 03 / 07
Departure & repatriation planning
Go →
Service 04 / 07
Capital gains on Australian assets
Go →
Service 06 / 07
Employee share scheme advisory
Go →
Service 07 / 07
ATO representation & reviews
Go →
