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
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 [...]