Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

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  • What We Do
    • Investment Management
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    • Private Wealth Services-U.S.
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    • Cross Border Wealth Management, Financial and Tax Planning
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning
    • 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
  • 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
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning
    • 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

Canadians Living in the U.S.

CANADIANS LIVING IN THE U.S.

With Cardinal Point, Canadians living in the U.S. can have the assurance of knowing all of their cross-border financial planning considerations can be addressed by one company.

Let’s Talk

CANADIANS LIVING IN THE U.S.

With Cardinal Point, Canadians living in the U.S. can have the assurance of knowing all of their cross-border financial planning considerations can be addressed by one company.

Let’s Talk
Canada skyline

For Canadians living in the U.S., 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:

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    Coordinated investment management services for U.S. and Canadian accounts
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    Advice on specific assets that should transfer to the United States or remain in Canada
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    Advice on Canadian retirement account distribution strategies while residing in the U.S.
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    Holistic advice on cross-border financial and estate planning
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    Incorporated U.S. gift and estate strategies within the financial plan
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    Assistance with cross-border tax planning strategies
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    “Canada-U.S. Tax Treaty” advice to avoid double taxation
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    Guidance on retirement benefits, such as CPP, OAS, Social Security and Medicare
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    Assistance with currency conversion strategies
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    U.S. stock option and company bonus plan advice
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    Residential and commercial real estate advice
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    Health, life, disability, long-term care, business and property insurance review
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    Guidance on the unique economic and regulatory environment in the United States
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    Personal and corporate Canada and U.S. tax preparation including annual foreign account disclosure filings
US/Canada Investment Accounts

Investment
Management

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US/Canada Investment Accounts

Tax Planning
& Preparation

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US/Canada Investment Accounts

Wealth
Planning

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US/Canada Investment Accounts

Cross-border Financial & Tax Planning

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US/Canada Investment Accounts

Investment accounts in Canada and the U.S.?

Our team manages assets in both countries
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Speak with a cross-border financial planner

Speak with a cross-border financial planner

We handle all your cross-border tax & financial planning needs
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OUR RECENT PUBLICATIONS

Secure Act 2.0

There are a number of rules changes proposed by Congress that will impact retirement accounts. The changes will benefit US residents and also Canadians with IRAs and other retirement accounts. There are many ways this could be advantageous for you, possibly deferring tax or extending benefits. Cardinal Point, as the leading cross-border specialist, can show you how.

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Capital Gains

Infographic: 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). It is indexed to inflation, and it can be used in part. Three tests must be met to claim an LCGE, and there are complicated regulations governing each of these.

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Cross Border Implications of Holding a 529 Plan

Infographic: Cross-Border Implications of Holding a 529 Plan Infographic

Canadian families returning to Canada from the US must consider significant tax implications associated with any existing 529 Plans, including whether a Canadian higher education institution is eligible under the Plan. Also, there is the likelihood of new Canadian tax liability as well as the possibility the 529 may be deemed a resident trust. Transferring ownership of the 529 may avoid triggering new taxes.

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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

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
  • 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 © 2022. Cardinal Point Wealth Management Partners, LLC and Cardinal Point Capital Management ULC All Rights Reserved.

"Cardinal Point" is the brand under which the dedicated professionals within the independent Cardinal Point Group of Companies collaborate to provide financial and investment advisory, risk management, financial planning and tax services to selected clients. Cardinal Point comprises two legally separate companies: Cardinal Point Wealth Management Partners, LLC, a U.S. registered investment advisor and Cardinal Point Capital Management ULC is a U.S. 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 the independent Cardinal Point firms and its representatives are properly registered or exempt from registration. Each firm enters into client engagements independently. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.