Financial Planning & Advice Strategist
Superannuation & International Tax Specialist
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If you're hoping for a comfortable life in retirement, spend some time learning about your Superannuation (Super). Taking a few steps now could significantly boost your Super and make a big difference to your future lifestyle.

Raj has represented several multi jurisdictional Trustee and Pension funds Globally and has experience working with Australia Superannuation, UK private and USA pension structures. 

He has travelled the world conducting expat seminars and is now based in Malaysia where he resides in both Kuala Lumpur and Johor Bahru. Raj also travels throughout Vietnam, Thailand, Philippines and Cambodia given his client base in the Region. In Malaysia he’s the chairman for Malaysia Australia Business Council – Southern Region and sits on the State Liaison Committee for Malaysia Crime Prevention Federation.

Raj has developed the service offerings of several multi-jurisdictional Trustees and financial institutions providing the critical advice for  expatriates whilst working overseas. Together with his close associate networks gives confidence in those whilst an expatriate and also if returning back home.

Raj specialises in Australian, UK and USA pension tax structures advising on retirement and tax solutions globally. 



If you’re hoping for a comfortable life in retirement, spend some time learning about your Superannuation (Super). Taking a few steps now could significantly boost your Super and make a big difference to your future lifestyle.

What is Super?

Superannuation is a tax effective way to save for your retirement. It's similar to a managed fund where your money is pooled with other members' money and invested on your behalf by professional investment managers. Generally you will not be able to access this money until you retire.​​

Managing your Super

Money in your super fund account is invested by your super fund. Most super funds offer a variety of investment options. These usually include pre-mixed options that will contain a mix of different asset classes, and single sector options such as cash, property and shares.​

Contributing to your Super

There are typically three types of super contributions:​
• Employer contributions
• Personal contributions
• Government contributions


  • Consolidate all your existing superannuation into ONE simple low-cost Australian Superannuation Fund.

  • We can advise you on your portfolios and international tax requirements whilst working overseas.

  • Transfer and consolidate your foreign pension benefits into the super if you’ve worked overseas (UK pension transfers – you must be 55 years old or above.

  • You can get income protection up to $20,000AUD per month at 75% of your income and have premiums paid from your Super (no medical required).

  • Invest into a range of low-cost AUD, GBP and USD investments.

  • Get total permanent and disability cover of $500,000AUD automatically (no medical required).

Comprehensive Financial Advice Across a Range of Areas

As a wealth management adviser, specialising in family practice, pensions and trusts, I challenge my clients to manage their wealth not for the world we are living in, but for the world we will be living in.

This requires innovative thinking and looking beyond what is happening in the moment or how things were done in the past so that the wealth they’ve worked so hard to attain, continues to grow and is protected for future generations.

Below are the key services that I provide

Retirement Planning

It is important to start planning for your retirement early. The earlier we start saving for our retirement, the less we need to put away on a regular basis to achieve our goals of financial independence. How are you planning for your retirement..?

Global Investing

Constructing a clear investment strategy involves a number of decisions including your savings strategy, financial goals and investment vehicles. With global assets at our fingertips, we guide you through constructing a diversified portfolio.

Savings Strategies

The most valuable asset you will ever have is your ability to earn an income. Are you making the most financially of your time abroad? Are you taking advantage of the lower tax rates? Are you saving your disposable income on a regular basis?

Life Insurance

Life Insurance provides financial security and peace of mind for you and your loved ones should the unforeseen occur. Could your family continue to meet their expenses if you were no longer around? What plans do you have in place?

Health Insurance

International Health Insurance is medical insurance designed to cover your health and medical expenses while you’re living abroad. As an expat, it is important to be certain you’re protected before an unforeseen health event occurs.

Critical Illness Insurance

Would your family be cared for if you were diagnosed with a critical illness? What cover do you already have in place? Ensure that your loved ones are protected and could continue to meet everyday expenses should the unforeseen occur.

Tax Efficiencies

Investing in various jurisdictions that potentially reduce tax burdens and levies imposed can be an excellent strategy to invest in a tax-efficient manner. It is important to weigh up the costs and benefits of such a strategy before proceeding.

Income Protection

Income Protection insurance is designed to help you get ‘back on your feet’ by covering up to 75% of your regular income, on a monthly basis, should you be unable to work due to an injury or illness, so that you can remain focused on your recovery.

Estate Planning

Estate Planning is a process that extends beyond just preparing a Will. It also includes Enduring Power of Attorney, Trust planning and ensuring your children are cared for with Temporary and Permanent Guardianship.

Wills & Guardianship

By putting a Will in place, this ensures that your wishes will be carried out after you pass. Many of us realise that we are not invincible when it’s too late…how are you ensuring your loved ones will be cared for?

Cash Flow Planning

What is your net cash flow on a regular basis? Are you keeping track of your income and expenditure. Many expats simply take the ‘head in the sand’ approach when it comes to managing their own cash flows. Start tracking your finances today.

External Specialists

I work with a range of external specialists to ensure a seamless process for my clients. I have built up long-term relationships with property investment experts, trust lawyers, will specialists and mortgage brokers to assist my clients.

These are just a few of my services.
There are many other areas I can advise you on including:

My Recent Blog Posts

These my are the latest blog posts on superannuation, tax and financial advice. If you have any questions or feedback about the advice, feel free to leave your comment below.

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