Jeff Adema is a Portfolio Manager. As a CFP® he practices proactive wealth management in a conflict-free environment at Cardinal Point. Prior to Cardinal Point he spent nine years in the U.S. financial planning industry managing affluent clients’ financial affairs. He walks his clients through wealth accumulation, protection/preservation and tax-efficient distribution of their assets maximizing what goes to them / heirs and minimizing what is paid in taxes. Working as a teacher in his former life, he sees the value education brings when assessing the present and planning through issues for the future. Combining the financial acumen with education allows him to pinpoint current weaknesses, offer strategies and suggestions to address cross-border financial issues and solidify a financial plan. He values the opportunity to patiently coach using ideas that cut to the core of his clients’ needs, cultivating financial harmony in their families and businesses. He is passionate about the cross-border wealth management space as he and his wife have lived in this arena. Jeff can relate to those individuals working through the various facets that are unique to this lifestyle. He gets excited by the opportunity to partner with clients as they work through issues such as immigration, customs, income tax, cash management, risk management, retirement and estate planning.