Australian financial planning for more complex financial affairs
Majenda provides Australian financial planning for clients who need to bring together superannuation, investments, retirement plans and other financial decisions, particularly after living and building wealth overseas.
What We Help With
Your financial plan should reflect how your assets, investments and future plans work together rather than treating each decision separately.
Superannuation
Review your Australian superannuation position and how it fits within your broader financial and retirement plans.
Investment Planning
Develop an investment strategy appropriate to your circumstances, objectives and tolerance for risk.
Retirement Planning
Plan how superannuation, investments and other assets may support your income and financial needs in retirement.
Returned Expat Planning
Bring overseas wealth and Australian assets together after returning home, with tax considerations addressed where required.
Is This Service Right For You?
Majenda’s financial planning service is particularly suited to clients who have accumulated substantial assets or whose affairs involve more than a single investment or superannuation account.
This service may be relevant if you:
- have recently returned to Australia after living overseas
- have substantial superannuation or investment assets
- hold assets in Australia and overseas
- are approaching or planning for retirement
- need to invest funds brought back to Australia
- want tax and financial planning issues considered together
- have several financial decisions that need to form part of one strategy
- are looking for ongoing Australian financial advice
More About Australian Financial Planning
Bringing the different parts of your financial position together
As your financial affairs become more complex, individual decisions can become increasingly connected.
A decision about superannuation may affect retirement planning. The way funds are invested may need to reflect your expected income requirements, time horizon and tolerance for risk. For returned expats, overseas assets and previous tax planning may also continue to influence the Australian strategy.
Majenda’s role is to understand the broader position and develop Australian financial advice around your circumstances and objectives.
This can include considering:
- your existing superannuation
- Australian and overseas investments
- funds brought back to Australia
- expected retirement timing
- future income needs
- investment structure
- assets you intend to retain overseas
- relevant Australian tax considerations
The appropriate strategy depends on your circumstances rather than a standard portfolio or one-size-fits-all approach.
Financial planning after returning to Australia
Living overseas for many years can leave your financial position spread across different countries, currencies and structures.
When you return, the question is not necessarily whether everything should immediately be moved to Australia.
Instead, you may need to consider how Australian superannuation, overseas investments, cash, pensions and other assets should work together from that point forward.
For some clients, this follows international tax planning completed before the return. For others, financial planning begins once they are already established back in Australia.
The transition may involve questions such as:
- How should funds brought back to Australia be invested?
- Should more of my wealth be held through superannuation?
- How should overseas assets fit into my Australian plan?
- What investment approach suits my circumstances now?
- How much income will I need in retirement?
- How should my financial position change as retirement approaches?
- Are there tax issues that need to be considered before financial decisions are implemented?
Tax and financial planning can be closely connected
For clients with more complex affairs, financial advice can sometimes have important tax consequences.
This is particularly relevant for returned expats who may still hold foreign property, investments, pensions or other overseas assets.
Majenda Financial provides Australian financial planning advice.
Majenda Australia provides Australian tax and international tax advice.
Where both are required, the relevant Australian tax issues can be considered alongside the financial strategy rather than being addressed separately after decisions have already been made.
Where advice is required under another country’s laws, an appropriately qualified overseas adviser may also need to be involved.
How our Australian financial planning works
1. Book a Time
Tell us about your current financial position, what has changed and the decisions you would like help with.
2. Understand Your Position
We review the relevant assets, superannuation, investments, income needs and objectives that need to be considered.
3. Develop the Advice
Majenda Financial prepares the Australian financial advice appropriate to the agreed scope and your circumstances.
4. Implement and Review
Where you decide to proceed, we can assist with implementation and provide ongoing advice where appropriate.
Need help bringing your financial plan together?
If your financial affairs have become more complex, book a time to discuss your position and determine what Australian financial advice may be appropriate.
20+ years
Working with Australian expats and returned clients
Tax + financial planning
Related Australian advice coordinated within Majenda
Complex financial affairs
Experience with clients whose assets span multiple structures and jurisdictions
Why Majenda?
Majenda has worked with Australian expatriates and returned expats for more than 20 years.
Director Geoff Taylor is qualified in both tax and financial planning and holds a Master of International Taxation from the University of Sydney.
This combination is particularly useful for clients whose Australian financial plan is connected to tax decisions or assets accumulated while living overseas.
Majenda Financial Pty Ltd provides Australian financial planning services as a Corporate Authorised Representative of Paragem Pty Ltd, AFSL 297276.
Where Australian tax advice is also required, Majenda Australia can address those matters within the appropriate scope.
Frequently Asked Questions
Who is Majenda's Australian financial planning service designed for?
Majenda primarily works with clients whose financial affairs require more than straightforward product or investment advice.
This can include returned expats, people with substantial investment and superannuation assets, clients approaching retirement and people whose financial affairs extend across more than one jurisdiction.
Can Majenda help after I return to Australia?
Yes.
Many Majenda clients first require international tax or repatriation advice and then move into Australian financial planning after returning home.
Can you help with Australian superannuation?
Yes. Superannuation can form part of Majenda’s Australian financial planning advice where it is relevant to your circumstances and objectives.
This may involve considering your existing superannuation alongside investments, retirement plans and other assets.
Can Majenda help me invest funds brought back from overseas?
Majenda Financial can provide Australian financial advice about how available funds may fit within your broader investment and financial strategy.
Before funds are transferred or invested, Australian tax advice may also be required depending on where the money came from and the assets involved.
Can you help me plan for retirement?
Yes.
Majenda can help consider how superannuation, investments and other assets may support your financial position and income requirements in retirement.
For clients returning from overseas to retire in Australia, foreign pensions or other overseas assets may also need to be considered.
Do I need tax advice as well as financial planning?
Not always.
However, tax advice can become important where financial decisions involve overseas assets, significant transactions, pensions or other more complex circumstances.
Majenda can determine whether Australian tax advice should form part of the wider process.
Does Majenda provide investment advice?
Majenda Financial can provide Australian financial advice relating to investments within the scope of its authorisations and the advice agreed with the client.
Any recommendation should be based on your individual circumstances, objectives and financial position.
Does Majenda provide personal insurance advice?
Personal insurance is not a core focus of Majenda’s practice. Where specialist insurance advice is required, Majenda may recommend that you work with an adviser who specialises in this area.
Can Majenda provide ongoing financial advice?
Yes, where ongoing advice is appropriate to the client’s circumstances and agreed service arrangement.
Financial plans can change as investments, tax circumstances, retirement plans and personal objectives change, so some clients benefit from ongoing review rather than one-off advice alone.
Looking for financial advice that considers the whole picture?
If your superannuation, investments, overseas assets or retirement plans need to work together, speak with Majenda about your Australian financial position and the advice you may need.