Managing Your Financial Wellbeing



Cash Flow measures the Movement of Your Money. Establishing a position where you understand your income and the spending habits then creating some strategy to maximise your financial position. Structure to your cashflow will ensure you enjoy your life today.

"Making more money will not solve your problems if cash flow is your problem." — Robert Kiyosaki


Having insurance gives the policy owner peace of mind. It helps to know that they are protected if something happens to them. Insurance is simply about transferring the risk of a financial disaster off you whilst you’re not in the position to be able to afford paying for it to an insurance company that has got the capacity to pay for that disaster.

We all hope that insurance premiums end up being the worst investment, but if not, having the peace of mind in knowing that your family is protected is what matters most.


Help you to take control and get an understanding of your super strategy to ensure you are set up for retirement. We work with your cash flow management to ensure you can have a comfortable retirement, and reverse engineer to ensure you have enough at the age of retirement.

Estate Planning

Ensuring that we get the right amount of money, to the right person, at the right time, tax effectively. The process our advisers are skilled to ensure that at the time of death, your wealth is correctly passed on to loved ones. Our Advisers understand the process of identifying your Estate Planning needs; Wills, Power of Attorney, Letter of wishes, buy sell agreements etc.

Cross Border Financial Services

There are an estimated 300,000 expat citizens living in a country they didn’t originally call home. While some will eventually become citizens of their new home, the overwhelming majority will maintain their existing citizenship and most likely return to their home of origin.

Living in a foreign country comes with significant challenges. One of the most important being managing one’s financial well-being at home and abroad. For instance, our research has shown that even though Australians living in the US are contributing to their Superannuation Funds, the majority do not know how much they have in the fund nor where it is invested. Other issues come from knowing what, and how, to invest in foreign markets. People often have an advisor back home, however, once in their new country they also need to find someone to build a rapport with.

Kofkin Bond & Co have formed the first, true cross-border, financial services firm. The shared goal is to create relationships with expat families, and businesses, that either live or operate in Australia or where they now call home.

The benefit of this structure is that clients will know that they have an entire team focusing on their financial well-being both at home and abroad. Services provided include asset management, estate planning, insurance services, business advisory, real estate management, as well as Superannuation Trustee services.

There are a lot of things to consider when moving to a new country. Financial Planning is a key consideration for all expats to ensure a smooth journey. At Kofkin Bond & Co assist all expats in different stages of their journey. These include, but are not limited to:

  • Pre-Departure Planning
  • On-going cross-border advice
  • The returning expatriates

Expat Superannuation

It is important, even when domiciled in a foreign country that superannuation laws are adhered to. For most Australians, superannuation is their largest personal financial asset. With a view to retirement planning, superannuation is one of the best long-term investment vehicles that clients can have, regardless of your country of residency.

When planning, and investing for, your retirement, superannuation offers immediate short-term tax incentives as well as long-term tax benefits including whilst the income is accumulating and of course magnificent taxation advantages in retirement.

The solutions that we provide to our clients are strategic and tailored to their individual situation. While making our recommendations, we consider all aspects of their financial position. At Kofkin Bond & Co we can help look at your unique position and determine compliance around superannuation, for example, if a client is domiciled outside of Australia, and have an SMSF, their super fund may be deemed as non-compliant.

Insurance for Expats

There are many reasons why a person may choose a specific insurance policy; to cover oneself in case of illness or death and to cover possessions and assets etc. No matter what the circumstances are, having insurance to protect what matters most, will offer peace of mind both financially and personally.

Insurance is an important requirement for expats. There are varying rules between insurers when it comes to insurance policies for Australian domiciled overseas. We use our knowledge and industry partners to find the right policy to ensure our client’s peace of mind through every step of their journey.

Investment for Expats

Kofkin Bond & Co have developed a dynamic investment strategy as well as a belief system of what drives markets and investment outcomes. Along with this philosophy, a structured decision-making framework serves to remove the emotional (and at times frightening) elements of financial markets from rational decision making. This framework provides the requisite flexibility to respond to the dynamic nature of markets and new unforeseeable situations while maintaining the direction and structure that a well thought out and disciplined investment process provides investors.

Using a medium-term approach, Kofkin Bond & Co aim to deliver consistent returns with a focus on real capital preservation. This means we will adjust our risk depending on the opportunity set. Our approach will often lead to large deviations from our competitors which will cause performance to also deviate significantly. While no company can make claim to predict when the markets will price assets on the basis of their valuations and underlying fundamentals, Kofkin Bond & Co believe that using a patient, and disciplined, approach is best in providing superior long-term real returns.

Estate Planning for Expats

A last will and testimony can help ensure the assets, that form part of your estate, get distributed according to individuals wishes. But did you know that a Will typically only applies to personally held assets and therefore may not deal with a significant portion of your wealth? For example, the proceeds from your superannuation funds and life insurance policies don’t necessarily form part of your Estate. They can pass directly to certain beneficiaries nominated by you or go to your Estate where they’ll be dealt with by your Will. Also, some assets never form part of an estate, like jointly owned assets and assets held in a discretionary family trust. To cover all bases, thorough estate planning (or personal succession planning as it’s also known) involves putting in place strategies that address all your assets, not just those covered by your Will.

Personal succession planning can: Provide certainty by getting the right assets in the hands of the right people, at the right time, and enable you to provide for your loved ones while minimising tax payable by your nominated beneficiaries.

The importance of having, and maintaining, an Estate Plan cannot be overstated. A basic plan for US citizens should consist of four documents which are a will, living or revocable trust, and powers of attorney for property and for healthcare. These four documents provide instructions and legal authority to trustees, and agents, to administer the estate as well as guidelines for how assets can be used and how they will flow to beneficiaries.

Proper Estate Planning helps minimize potential estate taxes that may be due, on both state and federal levels, if the amount of wealth grows beyond a certain point. Having a plan in place also affords protection against future would-be creditors and predators of beneficiaries. For most families, however, the key component of Estate Planning is guaranteeing the grantors’ wishes are upheld and that wealth is preserved for future generations, thereby ensuring the family legacy is kept within the bloodline.”

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