AMERICANS LIVING IN CANADA
As an American living in Canada, individuals face unique financial obstacles. Cardinal Point excels in managing these issues, offering personalized investment approaches, strategies for tax optimization, and holistic financial planning. Our cross-border financial advisors possess the experience required to guide clients through the complex financial landscape, helping them meet their financial goals in compliance with rules & regulations.
Americans living in Canada
As an American living in Canada, individuals face unique financial obstacles. Cardinal Point excels in managing these issues, offering personalized investment approaches, strategies for tax optimization, and holistic financial planning. Our cross-border financial advisors possess the experience required to guide clients through the complex financial landscape, helping them meet their financial goals in compliance with rules & regulations.
Seamless Cross-Border Financial Planning for Americans in Canada: Investment, Retirement, and Estate Planning Strategies
Are you an American living in Canada seeking guidance on navigating the complexities of cross-border financial management and retirement planning? 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. From comprehensive estate planning to optimizing retirement benefits like CPP, OAS, Social Security, and Medicare, we provide holistic advice to ensure financial peace of mind.
- Coordinated investment management services for U.S. and Canadian accounts
- Advice on specific assets that should transfer to Canada or remain in the United States
- Canada-U.S. financial and retirement planning
- U.S. retirement account distribution strategies while residing in Canada
- Holistic advice on cross-border financial and estate planning
- Personal and corporate 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
- Canadian and 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 Canada
- 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
Transitioning Ownership of a Family Business in Canada
Canada is on the verge of a massive transfer of business wealth, with nearly half of family business owners planning to exit in the next five years—yet most lack a formal succession plan. Transitioning ownership isn’t just a transaction; it’s a multi-year process that demands careful tax, legal, and family considerations. Whether you’re selling to a third party, passing the reins to family or employees, or winding down, early planning is essential to maximize value and minimize tax exposure. Key strategies include estate freezes, capital gains exemption planning, and hybrid share-asset sales.
Mergers, Acquisitions, and Succession in Canada – Tax Planning at the Heart of Business Transitions
As Canadian business owners face a historic wave of transitions, the role of tax planning in mergers, acquisitions, and successions has never been more critical. Whether selling, acquiring, or passing down a business, the right tax strategy can significantly influence deal outcomes and long-term value.
Planning for the Future – Why Business Succession Is Too Important to Ignore
Many Canadian business owners tend to defer succession planning opting to address it at a later date. However, with over 56% of family business owners expected to retire in the next decade, and fewer than 25% having a formal plan in place, the cost of inaction is rising. Avoiding succession planning doesn’t just risk business [...]