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Global Wealth Management 

for American and Australian Expats.

We bring strategy, structure, clarity, confidence and compliance to our clients’ global financial lives and keep it that way.

FIDUCIARY

Meaning we operate in your best interest 100% of the time.

FEE-ONLY

We are paid directly by our clients. We never receive a commission from anyone ever.

CERTIFIED FINANCIAL PLANNER® & ACCREDITED INVESTMENT FIDUCIARY® 

As Featured In:

Our clients' needs are unique.

We tailor our advice to their situation. 

Cross-border Client Case Studies

Our clients' needs are unique.

We tailor our advice to their situation. 

Which of the following describes you better?

Which of the following describes you?

American living

in Australia

Australian living in the US

Australian returning to Australia

 
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Kate Higgins

Australian business owner living in the US

Primary Goals:

  • Sell her business in the US and move back to Australia

  • Purchase a house and start a family

  • Live modestly off investment earnings

The Results:
When Kate hired a financial planner, she was concerned about more than just her investments. She wanted help with the entire financial picture, especially selling her business, moving to Australia, and minimizing her tax liability in the US and Australia.
We introduced her to strategies that have saved her millions in taxes, while setting her up to start a family and live the life of her dreams in Northern NSW.

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Jason and Sarah Rigby

High Net Worth Software Engineer Aussie Couple Living in the US

Primary Goals:

  • Extricate family from the US prior to being exposed to the HEART Act and a huge exit tax from the US.

  • Move to New Zealand and get set up with a financial team there

  • Manage global holdings in a low-cost, tax-efficient and coordinated manner

The Results:

We put together a team including a US tax attorney, US immigration attorney, US CPA, New Zealand based financial planner and a New Zealand-based CPA and made their family’s transition as smooth as possible.

We set up a multi-currency investment solution which allowed them to buy their dream house in Auckland using their US portfolio as leverage, while obtaining the lowest cost foreign exchange.

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Eric and Aimee Cassel

Australian Executive & Family, Permanently Relocated to the US

Primary Goals:

  • Late stage career planning and transition to retirement in the US

  • Setting up a clear retirement income plan which takes into account his Australian investment property, managed fund portfolio, inheritance and Superannuation

  • Selecting and coordinating advice with an Australian financial planner

The Results:

When The Cassels hired a financial planner, they wanted help with the entire financial picture, especially retirement income planning, recommendations on how to handle his global assets, and taxes.
Eric has more energy and mental space to dedicate toward what he enjoys — knowing he has the choice to totally retire when the time is right.

The above case studies are hypothetical and do not involve an actual Areté Wealth Strategists client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction if Areté Wealth Strategists is engaged to provide investment advisory services.

 

AMERICAN EXPATRIATES LIVING IN AUSTRALIA

 A fee-only financial advisor for American Expatriates in Australia. 

Services include:

US INVESTMENT MANAGEMENT

We provide low-cost, compliant investment management services in both the United States and Australia for American Expatriates. We can assist in opening after-tax investment accounts or a range of other account types.

US RETIREMENT ACCOUNTS (401(K)'s / IRA's

We review the three pension transfer options and provide a recommendation on what will work best in the client's situation.

SUPERANNUATION RECONTRIBUTION STRATEGIES

We advise our clients on tax effective strategies for getting money back into Australia Superannuation.

INHERITANCES

We can assist in opening after-tax investment accounts or inherited IRA accounts and advice on required distribution time frames.

SOCIAL SECURITY

We advise our clients on social security claiming strategies to help them get the most from their benefits.

FOREIGN EXCHANGE

We have access to amongst the lowest Forex spreads available. We implement conversion plans to help get the best rates over longer term periods.

ESTATE PLANNING

We provide guidance in coordinating estate plans across multi-jurisdictions.

 

AUSTRALIAN EXPATRIATES LIVING IN THE US

A fee-only financial advisor for Business owner and executive Australian Expats in the U.S. 

Services include:

GLOBAL INVESTMENT ACCOUNT MANAGEMENT (PFIC Compliant)

We provide Passive Foreign Investment (PFIC) compliant investment management services in both the United States and Australia.

US RETIREMENT ACCOUNTS (401(K)'s / IRA's

We review a client's pension transfer options and provide a recommendation on what will work best given your situation.

SUPERANNUATION RECONTRIBUTION STRATEGIES

We advise our clients on tax effective strategies for getting money back into Australian Superannuation

AUSTRALIAN INHERITANCES

We advise clients on how to handle inherited funds. We can assist in opening after-tax brokerage accounts, inherited IRA accounts and advise on required distribution time frames.

GLOBAL MOBILITY PLANNING

We’ve developed a comprehensive 'Departing US' checklist that we customize and review for each engagement. We also implement strategies to maximize global flexibility.

AUSTRALIAN INVESTMENT PROPERTY

There are a host of tax implications in owning investment real estate as a non-resident. We provide our clients with guidance on their options.

EXIT TAX PLANNING  (HEART Act)

High net worth / High income Aussie expats living in the US are often concerned with their exposure to a US Exit tax. We help clients determine their exposure and plan accordingly.

TAX REPORTING OBLIGATIONS

 We work with a global network of cross-border CPA’s to bring tax reporting compliance concerning FATCA / FBAR / Form 8938 and filing dual residency tax returns.

FOREIGN EXCHANGE

We have access to amongst the lowest Forex spreads available. We implement conversion plans to help get the best rates over longer term periods.

AUSTRALIAN ESTATE PLANNING

We provide clients advice on how to setup a compliant global estate plan.

RETIREMENT PLANNING

We assist our clients to implement globally coordinated retirement income plans in an attempt to minimize downside risk and maximize the retirement lifestyle.

INSURANCE ADVICE

We work with a network of providers to ensure our clients have the proper coverage given their situation.

 

DEPARTING AUSTRALIAN EXPATRIATES

A fee-only financial advisor for Business owner and executive Australian Expats in the U.S. 

Services include:

GLOBAL INVESTMENT ACCOUNT MANAGEMENT (PFIC Compliant)

We provide Passive Foreign Investment (PFIC) compliant investment management services in both the United States and Australia.

US RETIREMENT ACCOUNTS (401(K)'s / IRA's

We review a client's pension transfer options and provide a recommendation on what will work best given your situation.

SUPERANNUATION RECONTRIBUTION STRATEGIES

We advise our clients on tax effective strategies for getting money back into Australian Superannuation

EXIT TAX PLANNING  (HEART Act)

High net worth / High income Aussie expats living in the US are often concerned with their exposure to a US Exit tax. We help clients determine their exposure and plan accordingly.

TAX REPORTING OBLIGATIONS

 We work with a global network of cross-border CPA’s to bring tax reporting compliance concerning FATCA / FBAR / Form 8938 and filing dual residency tax returns.

FOREIGN EXCHANGE

We have access to amongst the lowest Forex spreads available. We implement conversion plans to help get the best rates over longer term periods.

AUSTRALIAN ESTATE PLANNING

We provide clients advice on how to setup a compliant global estate plan.

RETIREMENT PLANNING

We assist our clients to implement globally coordinated retirement income plans in an attempt to minimize downside risk and maximize the retirement lifestyle.

INSURANCE ADVICE

We work with a network of providers to ensure our clients have the proper coverage given their situation.

TECHNOLOGY THAT ALLOWS YOU TO KEEP TRACK OF YOUR FINANCES - WHEREVER YOU ARE

Our clients live a globally mobile existence, and therefore it is crucial for us to be able to supply our clients with with access to technological solutions that are location independent and secure. This includes programs like eMoney Advisor for financial planning, FileThis for gathering financial documents, Dropbox for sharing documents, and Zoom for meetings.

We provide our full tech suite to comprehensive financial planning and Wealth Fusion clients.