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Immigrating, emigrating, working globally or taking a nomadic break
Embarking on a new chapter is exciting, but the financial implications of not set up correctly could be disastrous. Many countries require meticulous planning. Here are 8 key areas to consider prior to your move to ensure a smooth transition.
Your Earning Landscape — Income, Business, Contracts
When you move countries, your income picture changes shape: contracts shift currencies, business structures need revisiting, and tax efficiency becomes more complex.
How MFM helps:
We map where your money will come from, how it will be taxed, and how best to structure income so the move strengthens — not interrupts — your financial position.
Cash Flow, Currency and Lifestyle Adjustments
Exchange rates shift, living costs surprise, and the early months of a move often carry invisible expenses.
How MFM helps:
We help you build a stable cash-flow plan that smooths the transition, balances currencies and keeps your new life both affordable and intentional.
Superannuation and Retirement Pathways
Super rules tighten, loosen or transform when you step across borders. Access ages differ. Consolidation becomes strategic. Contributions may need restructuring.
How MFM helps:
We model how your super interacts with your new country’s retirement systems, and create a plan that protects your future while keeping doors open on both sides.
Tax Residency and Cross-Border Structuring
Residency is a legal definition that decides tax obligations, reporting requirements and audit risks.
How MFM helps:
We simplify residency rules, coordinate with accountants, and build cross-border structures that align with your lifestyle, risk appetite and long-term plans.
Investments and Portfolio Alignment
Every country has its own tax rules for dividends, property, capital gains and offshore holdings. Markets move. Laws differ. Compliance is non-negotiable.
How MFM helps:
We review and restructure your investments so they remain tax-efficient, compliant and aligned with your goals — wherever you call home next.
Insurance and Personal Protection
Many people only discover too late that their cover doesn’t travel with them. Insurers change terms, premiums adjust, and exclusions appear.
How MFM helps:
We assess what stays valid, what changes, and what needs replacing — ensuring you’re protected from the moment you leave to the moment you settle.
Estate Planning and Family Continuity
A will written in one country doesn’t always carry legal weight in another. Guardianship, trusts, beneficiaries and medical directives may need reviewing.
How MFM helps:
We coordinate cross-border estate planning and make sure your intentions remain enforceable, recognised and protective — no matter the jurisdiction.
Long-Term Anchors — Where You Want Life to Land
Most people don’t move just once. Careers, family needs and opportunity often create multiple relocations over a lifetime.
How MFM helps:
We plan for your “now,” your “next,” and the version of your future you haven’t quite defined yet. Your strategy evolves as your life evolves.
