Joel Kerin - Financial Adviser

06/04/2026

Looking forward to spending the next few days in Singapore 🇸🇬 catching up with clients that call the lion city home.

For any connections in Singapore who would like to catch up personally or attend our minimise tax, maximise opportunities seminar on Thursday evening. Please send me a DM. 👋🏼

02/04/2026

“I have insurance in my super.” - Every client to a financial adviser.

Yes… but at what cost?

Group insurance absolutely has its place and has gone a long way in addressing Australia’s underinsurance problem. In recent years, I’ve even seen premiums on lump-sum covers reduce, something that, in hindsight, is proving to be unsustainable.

AustralianSuper, the country’s largest super fund by member numbers, is now increasing its insurance rates by as much as 40%.

I recently completed a piece of advice for a client where I ran a like-for-like premium comparison between their AustralianSuper insurance and a retail insurance solution.

The premium difference?
👉 $3,497 per annum.

Again… yes, but at what cost?

If you have insurance inside your super, log in.
Look at your cover.
Look at the premium.

Then DM a financial adviser and ask a few questions:
- Is this cover right for me?
- Do I have the right level of insurance?
- Does this insurance cover me if I’m overseas?
Ask the question.

In cases like this, the advice more than pays for itself.

AussiesLivingAbroad

01/04/2026

With the cost of fuel in Australia doing its best impression of a space launch 🚀 you might of considered your next vehicle upgrade be electric or perhaps should come with four legs instead of four wheels.

At this rate, a horse might just be the most cost‑effective mode of transport:

• Runs on grass & hay instead of unleaded
• No rego, no servicing schedule
• Serious networking potential at the hitching post 🐎

Jokes aside, rising fuel prices are a good reminder of why budgeting and financial planning matter more than ever.

When everyday essentials climb:
✅ A clear cash‑flow plan helps you stay in control
✅ Small spending tweaks can free up meaningful savings
✅ Forward planning turns “price shocks” into manageable adjustments

You don’t need to ditch your car for a saddle (yet), but reviewing your budget and stress‑testing your plan against rising costs can make a real difference.

So if you’d rather keep driving than neighing, now’s a great time to revisit your numbers.

AustraliansInFinance

03/03/2026

Wrapping up a quick trip to Adelaide visiting clients and I see this in Adelaide airport and it couldn’t be more true.

When interest rates rise.
When markets dip.
When cost of living pressures squeeze your budget.

That’s not the time to abandon your plan, it’s the time to lean into strong money habits.

Financial progress isn’t built in perfect conditions. It’s built through discipline when things feel uncomfortable.

Just like a plane needs resistance to lift, your wealth often grows through:

🛫Sticking to a savings plan when it feels tight
🛫Investing consistently during market downturns
🛫Avoiding lifestyle inflation when income increases
🛫Playing the long game instead of chasing quick wins

The real edge is consistency when headlines are negative, which there are plenty at the moment.

Good money management isn’t about timing the market.
It’s about building habits that work in any environment.

🛫Save with intention.
🛫Invest with discipline.
🛫Think in decades, not days.

The wind isn’t there to stop you.

18/02/2026

Gong Hei Fat Choi!

Happy Chinese New Year from Hong Kong! 2026 brings the year of the horse, a symbol of forward movement, independence and endurance.

The streets of Hong Kong during the day are calm and quiet as locals spend their days with family sharing meals and a casual Lai See. 🧧

And in total opposite, the afternoons and evenings coming alive with drums and fireworks.

May 2026 be your year of health, wealth & happiness.

Now, Back to enjoying 3 public holidays. ✌🏼

26/01/2026

21/01/2026

🛫Becoming an expat - The mini Series 🛬

What happens if you have an SMSF and plan on moving abroad. Really important to be aware of your obligations as a trustee in maintaining the Central management and control of the SMSF inside Australia and how being a non resident will impact, what contributions can be accepted into the SMSF inside

Really important to seek advice in this space before leaving to prevent any nasty non compliance.

20/01/2026

🛫Becoming an Expat - The mini Series. 🛬

It is a requirement if you have a HECS or HELP debt that you declare your worldwide income to the ATO for the calculation of your minimum repayment requirement.

You are also required to notify the ATO of your non residency status.

19/01/2026

🛫 Becoming an Expat - Part 4 🛬

Let’s talk voting. If your intending to reside overseas permanently you can lodge an overseas residency notification with the Australian Electoral Commission to notify them that you will be temporarily overseas and you may not be able to vote in elections that happen in Australia or notify them that you are permanently residing overseas and to remove your name from the electoral role.

13/01/2026

🛫Part 3 - Becoming an Australian Expat Mini Series 🛬

Bank accounts here in Australia.

Maintaining a bank account here is helpful in managing your financial matters in Australia whilst an expat overseas.

Whether it is collecting rent, automating superannuation contributions, investment contributions or loan repayments a bank account really is the gateway.

- Check your bank doesn’t have some weird policy that doesn’t allow non-residents to hold accounts.
- Update your address to your new address overseas with your bank
- Update your tax residency status with your bank and provide you updated Tax identification number (TIN)

08/01/2026

🛫Aussie Expat Mini-Series Part 2 🛬

Today I’m talking about the shares that you own in Australia and what happens to these shares when you leave Australia. Considering if a deemed disposal is right for you is a combination of many factors and whether your current arrangement is going to be appropriate for you moving forward.