Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

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  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning Advisor
    • U.S. citizens living in Canada
    • Moving to Canada from the U.S.
    • Canadians Living in the U.S.
    • Moving to the U.S. from Canada
    • Expatriates Living Abroad
  • Blog
  • About Us
    • Our Story
    • Our Team
    • Our Clients
    • Legal and Compliance
    • Part 3 Form CRS
    • Relationship Disclosure Information
  • What We Do
    • Investment Management
    • Wealth Planning
    • Tax Planning and Preparation
    • Private Wealth Services-U.S.
    • Private Wealth Services-Canada
    • Cross Border Wealth Management, Financial and Tax Planning Advisor
    • Business Management for Athletes
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning Advisor
    • U.S. citizens living in Canada
    • Moving to Canada from the U.S.
    • Canadians Living in the U.S.
    • Moving to the U.S. from Canada
    • Expatriates Living Abroad
  • Blog

Cardinal Point Wealth Management | Cross Border Financial Advisor

YOUR CROSS-BORDER
FINANCIAL ADVISOR

We are dedicated to helping affluent families oversee their ongoing U.S., Canada and cross-border financial planning complexities.

Let’s Talk

YOUR CROSS-BORDER
FINANCIAL ADVISOR

We are dedicated to helping affluent families oversee their ongoing U.S., Canada and cross-border financial planning complexities.

Let’s Talk
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Cardinal Point is an independent Canadian-U.S. wealth management company created to service the sophisticated needs of high net-worth families. Our financial advisors operate under the fiduciary standard and understand that your wealth, family, interests and values are all interconnected.

We are dedicated to providing investment management, financial, estate and tax planning solutions to residents of the U.S. and Canada, Americans moving to Canada, Canadians moving to the U.S. and Canadian and U.S. expats living abroad.

Cardinal Point | Private Wealth Services for residents of Canada

Private Wealth Services
for Residents of Canada

Cardinal Point | Private Wealth Services for residents in the U.S.

Private Wealth Services
for Residents of the U.S.

Cross-Border Wealth Services

Moving from Canada to the U.S.

Canadians living in the U.S.

Moving from the U.S. to Canada

U.S. citizens living in Canada

Toronto- Cardinal Point Wealth

Canadian and U.S. Expats Living Abroad

For those Canadians and Americans moving or living abroad, careful cross-border financial planning considerations must be given to ensure tax and regulatory compliance in both your home and adopted countries.

 

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OUR SERVICES

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Cross-Border Tax and Financial Planning

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Tax Preparation
and Planning

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Investment
Management

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Wealth
Planning

FEATURED WHITE PAPERS

Manage Your Canada-U.S. Cross-Border Lifestyle

Manage Your Cross Border CA-US Lifestyle Whether you are transitioning residency between Canada and the U.S. or you have already made the move, it is important to understand the benefits of a cross-border financial plan. Learn how Cardinal Point can help when holding investment assets or financial interests in the U.S. or Canada.

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U.S. TAX RESIDENTS: HOW TO NAVIGATE PFIC INVESTMENT RULES

How to Navigate PFIC Rules U.S. taxpayers living in Canada or the U.S. can unknowingly employ investment strategies in their portfolios that have unfavorable U.S. tax implications. Learn which investment securities should be considered and avoided within your investment accounts.

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FEATURED MEDIA

podcast Cardinal Point

Podcast: Canada/US Cross-Border Planning Revisited with Terry Ritchie

Cardinal Point’s VP and partner Terry Ritchie joined host Jason Periera on his podcast to discuss recent developments around financial planning issues for Americans living in Canada and Canadians investing in the US.

Listen Now
Lifetime Capital Gains

Ebook: Lifetime Capital Gains Exemption & Qualified Small Business Corporation

The Lifetime Capital Gains Exemption (LCGE) is available to all Canadian residents and Americans living in Canada as a tax deduction on the sale of a Qualified Small Business Corporation (QSBC).

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Ebook: Cross Border Implications of Holding 529 Plan

Many Canadians move for career opportunities to the U.S., work and raise families, and then plan to relocate back to Canada. A qualified tuition and educational savings plan for children (a 529 plan) is exempt from taxation in the U.S., in most cases …

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OUR RECENT PUBLICATIONS

Dual Canada U.S. citizenship

Dual Tax Residency in a Canadian Context

Cross-border residency may create numerous significant Canadian tax issues for you, in both countries. That’s increasingly important since many people now work remotely across borders. Certain criteria are used to determine Canadian residency for tax purposes, but filing official forms to determine your tax status may also trigger reviews or audits that are not in your best interest. On the other hand, cross-border taxpayers may avoid double taxation thanks to treaties other countries sign with Canada. Tax rules are always complex, and those involving dual residency can be extremely complicated. That is why insight from an expert cross-border tax planning professional is strongly advised.

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Estate Planning letter

Communicating Your Estate Plan is a Vital Part of “The Estate Plan”

Estate planning is a vital part of financial planning and wealth management. But communicating your estate plans is equally vital, to ensure that your plans are executed according to your wishes. That’s especially true when it comes to communicating with the Executor of your estate and those who are designated with Power of Attorney for Property or Personal Care. Too often that communication is overlooked, but you can ensure that those designated persons are well-informed and prepared by writing them a letter that outlines their tasks and responsibilities. The following article includes more information, plus convenient, customizable templates to help you draft those vital communiqués.

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Gardener Contractor or Employee

Nannies, Housekeepers and Gardeners: U.S. Taxpayer Implications for Household Workers

If you are hiring a household worker in the United States, you need to have an understanding of their status related to income tax purposes and your obligations as the payor. The first thing to determine is whether the worker is an independent contractor or your employee. That status will determine the documentation required for the work agreement, payments made to and for the worker, as well as how you report their income paid by you. If you’re a Canadian resident, you’ll be interested in our next article on hiring household workers in Canada.

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How We Help

  • Cross-Border Financial & Tax Planning
  • Americans Living in Canada
  • Canadians Living in the U.S.
  • Moving to Canada from the U.S.
  • Moving to the U.S. from Canada
  • Expatriates Living Abroad

What We Do

  • Investment Management
  • Wealth Planning
  • Tax Planning & Preparation
  • Private Wealth Services for U.S. Residents
  • Private Wealth Services for Canadian Residents
  • Cross-Border Financial & Tax Planning
  • Business Management for Athletes

Resources

  • Canadians in California
  • Canadians in Texas
  • Canadians in Florida
  • Canadians in Arizona
  • Canadian and U.S. Expat Tax Planning
  • Wealth Management for U.S. Citizens in Canada
  • Calgary Financial Planner
  • Custodian Closed Your Cross-Border Investment Account?

Videos & Social Media

  • Americans in Canada: Investment Basics
  • Americans Selling Canadian Homes Face Tax Issues
  • Does it make financial sense to renounce your U.S. citizenship?
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Copyright © 2023 Cardinal Point Capital Management, ULC. All Rights Reserved.

“Cardinal Point” is the brand under which dedicated professionals within Cardinal Point Capital Management, ULC provide financial, tax and investment advisory, risk management, financial planning and tax services to selected clients. Cardinal Point Capital Management, ULC is a US registered investment advisor and a registered portfolio manager in Canada (ON, QC, MB, SK, NS, NB, AB, BC). Advisory services are only offered to clients or prospective clients where Cardinal Point and its representatives are properly registered or exempt from registration. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.