CANADIANS LIVING IN THE U.S.
With Cardinal Point, Canadians living in the US can have the assurance of knowing all of their cross-border financial planning considerations can be addressed by one company.
CANADIANS LIVING IN THE US
With Cardinal Point, Canadians living in the US can have the assurance of knowing all of their cross-border financial planning considerations can be addressed by one company.
For Canadians living in the US, it can be difficult to find a local financial advisor or tax practitioner that is well versed in Canada-U.S. cross-border financial planning. This forces many Canadian expats to work with multiple Canadian and U.S. practitioners which can be inefficient and costly. With Cardinal Point, Canadian expats can have the assurance of knowing all of their cross-border financial planning considerations can be addressed by one company. With Cardinal Point, clients receive the following services:
- Coordinated investment management services for U.S. and Canadian accounts
- Advice on specific assets that should transfer to the United States or remain in Canada
- Advice on Canadian retirement account distribution strategies while residing in the U.S.
- Holistic advice on cross-border financial and estate planning
- Incorporated U.S. gift and estate strategies within the financial plan
- Assistance with cross-border tax planning strategies
- “Canada-U.S. Tax Treaty” advice to avoid double taxation
- Guidance on retirement benefits, such as CPP, OAS, Social Security and Medicare
- Assistance with currency conversion strategies
- U.S. stock option and company bonus plan advice
- Residential and commercial real estate advice
- Health, life, disability, long-term care, business and property insurance review
- Guidance on the unique economic and regulatory environment in the United States
- Personal and corporate Canada and U.S. tax preparation including annual foreign account disclosure filings
How We Help
Cross-Border Financial Planning
Cross-border financial planning is crucial for Canadians and Americans living in or between the U.S. and Canada—not just to minimize tax exposure, but also to reduce potential liabilities.
Cross-Border Investment Management
Cross-border investment management significantly benefits those who have lived or worked in both Canada and the U.S. and have accumulated investment accounts in both countries. Cross-border investment management brings the cohesion and integration needed to properly manage investment accounts and assets under one uniformed strategy
Cross-Border Estate Planning
Cross-border estate planning is critical for Americans and Canadians living and working in the U.S. and Canada due to the differing tax laws and regulations in each country. Without proper planning, individuals may face significant tax liabilities, potential double taxation, and legal complications when transferring assets across borders.
Cross-Border Tax Planning
Cross-border tax planning for Americans and Canadians living, working, or investing in both countries involves multiple tax considerations, treaties, rules, and regulations. Learn how Cardinal Point can help minimize your tax exposure in the U.S. and Canada while ensuring compliance with all local and state tax laws.
OUR RECENT PUBLICATIONS
Advanced Cross-Border Estate Planning for Multi-Generational Families
In today’s dynamic estate planning landscape, affluent families—particularly those with cross-border ties between Canada and the U.S.—must navigate both opportunity and complexity. While tax law provides powerful tools for wealth transfer, effective estate planning requires more than legal documents. It demands foresight, communication, and alignment across generations. For families with U.S. or Canadian citizenship, U.S.-situs [...]
Featured in the National Post: Kris Rossignoli on Why More Canadian Millionaires Are Eyeing Life Abroad
Kris Rossignoli, Senior Private Wealth Manager at Cardinal Point Wealth Management, is featured in the National Post discussing a rising trend among Canada’s wealthy: the growing interest in relocating abroad. According to a new survey, 28% more Canadian millionaires are now considering emigration compared to the last federal election. This shift is largely attributed to [...]
Section 899 – What Canada’s Wealthiest Investors Need to Know About the Proposed U.S. Retaliatory Tax
For affluent Canadians with significant U.S. investments—whether in real estate, public markets, or U.S. retirement plans—proposed changes to U.S. tax law could quietly and significantly erode your after-tax returns. Under a new legislative proposal—Section 899 of the Internal Revenue Code—the U.S. may impose penalty taxes on residents of foreign countries that it deems to be [...]