CROSS BORDER WEALTH MANAGEMENT AND FINANCIAL PLANNING ADVISOR
At Cardinal Point, we understand that there’s no such thing as a “one size fits all” cross border wealth management financial planning strategy. That’s why our team of practitioners provide clients with personally tailored tax, legal and investment solutions that fit their unique cross-border lifestyle.
CROSS BORDER WEALTH MANAGEMENT AND FINANCIAL PLANNING
At Cardinal Point, we understand that there’s no such thing as a “one size fits all” cross border wealth management and financial planning strategy. That’s why our team of practitioners provide clients with personally tailored tax, legal and investment solutions that fit their unique cross-border lifestyle.
Increasing Need for Cross Border Wealth Management Specialists and Financial Advisors
Whether for professional or personal reasons, more people are taking up permanent or temporary residence in other countries. Never has this been more true than today, particularly for Canadian and American citizens. And while a move into a new country represents a new and exciting time, this transition also requires proper cross border wealth management, financial planning, tax planning and investment management.
Trusted Guidance Across Borders: The Role of a Cross-Border Financial Advisor
Cardinal Point takes a multifaceted approach to providing wealth management services in the United States and Canada. Our investment wealth management, tax, and financial planning solutions are tailored to those living and working in the U.S. and Canada and expats living abroad. As a Cross-Border Financial Advisor, Cardinal Point’s team specializes in cross-border planning, transition of assets, and ongoing oversight of investment portfolios.
Navigating Cross-Border Wealth Management: Video with Jeffrey Adema, President, Wealth Management, Cross-Border
Navigating a move between Canada and the U.S. requires careful financial planning to protect your assets and minimize tax exposure. In this featured video, Jeffrey Adema, President of Wealth Management, Cross Border at Cardinal Point Wealth Management, shares expert strategies for Canadians relocating to the U.S. and Americans retiring to Canada.
Jeffrey covers essential topics such as customs procedures, healthcare planning, departure tax strategies, Roth IRA conversions, investment management, and estate planning differences between the two countries. Whether you are exiting or entering Canada or the U.S., proactive cross-border wealth management is critical to ensuring a smooth transition and securing your financial future.
If you are planning a cross-border move, this video is an essential resource. Watch now to gain valuable insights and learn how to avoid common pitfalls with expert guidance from Cardinal Point Wealth Management.
Who Can Benefit
Those clients who benefit from our cross-border financial, tax, and estate planning, as well as investment management oversight expertise, include individuals and businesses navigating Canada-U.S. financial landscapes. Whether you’re an expatriate, a multinational corporation operating in both countries, or an investor with assets spanning the Canada-U.S. border, our team specializes in providing comprehensive cross-border financial planning solutions. We understand the complexities of managing wealth in both Canada and the U.S. Our approach involves creating strategies to improve tax efficiency, reduce risks, and take advantage of the unique opportunities that come with a cross-border lifestyle.
- Executives and professionals working and living across the border
- Canadians retiring in the United States and Americans retiring in Canada
- Small business owners with companies on both sides of the border
- Canadians returning to Canada and Americans returning to the United States
- Canadian and U.S. expats living abroad
Who We Serve
Canadians Living in the U.S.
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.
U.S. Citizens Living in Canada
Our specialized services offer coordinated investment management for both U.S. and Canadian accounts, tailored Canada-U.S. financial and retirement planning, and strategies for U.S. retirement account distributions while residing in Canada.
Moving from Canada to the U.S.
Moving to the U.S. from Canada requires thoughtful financial planning strategies that address departure taxes, transitioning assets and investment interests across the border, managing Canadian dollar investment accounts while tax managing them based on the U.S. tax rules, as well as creating a cross-border estate plan.
Moving from the U.S. to Canada
Many people make the mistake of moving to Canada before addressing their financial affairs, resulting in missed tax-saving opportunities and potential double taxation. Our services are specifically designed to minimize tax liabilities for Americans relocating to Canada. Managing investments, taxes, and financial planning across borders is complex and requires a deep understanding of both U.S. and Canadian laws.
OUR RECENT PUBLICATIONS
Cross-Border Wealth Management Video with Jeffrey Adema, Cross-Border: Navigating Life as a Canadian or U.S. Expat
Are you a U.S. citizen planning to retire in Canada, or a Canadian moving to the U.S. for work? Cross-border transitions bring complex financial challenges that demand careful planning. In this insightful video, Jeffrey Adema, President of Wealth Management, Cross Border at Cardinal Point Wealth Management, breaks down the key elements of successful cross-border wealth [...]
Understanding British Columbia’s Property Transfer Tax and the 1084204 B.C. Ltd. Case
British Columbia's real estate market is known for its dynamic nature, attracting both domestic and international investors. To regulate this market and generate revenue, the province imposes the Property Transfer Tax (PTT) on property transactions. This article delves into the intricacies of the PTT, its implications for foreign entities/nationals, and examines a recent pivotal case: [...]
Navigating Cross-Border Retirement Benefits in 2025: US Social Security and Canadian CPP/OAS
Cross-border retirement planning has never been more relevant. In 2025, many Canadians living in the U.S. and Americans living in Canada face complex questions around Social Security, CPP, and OAS benefits. Our updated article explores how longstanding agreements like the totalization agreement (1984–2025) and the U.S.-Canada tax treaty continue to shape eligibility and taxation rules—while addressing key developments such as the 85% inclusion rate, new e-filing systems, and the growing importance of residency status. Whether you’re planning to retire soon or already drawing benefits, understanding where and how your income is taxed is crucial.