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Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

Options for U.S. IRA account holders when living in Canada – Version 2

Options for U.S. IRA account holders when living in Canada

What should you do with your U.S. retirement accounts after a move to Canada

Download Our Ebook: Options for U.S. IRA account holders when living in Canada

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Many advisors and/or firms in the U.S. – even some of the largest – are not properly registered and licensed to provide investment advice for a client living in Canada (even if the client is a U.S. citizen).

Few financial advisors are licensed, have the credentials or experience to provide investment and financial planning advice for American and Canadian cross-border clients. Sadly, there is a lot of poor counsel being provided that is not always in a client’s best interest. There are several options available to individuals that hold U.S. IRA accounts when they become a resident of Canada, but which is best for you? Cardinal Point is an advisory firm that specializes in providing cross-border investment management advice to individuals that hold Canadian and U.S. investment accounts. Download the E-Book to learn more about how we can assist you with your IRA account.

IRA - Living in Canada
Options for U.S. IRA account holders when living in Canada Infographic

In Canada, frequently given advice includes selling out the U.S. retirement account and moving the proceeds to Canada, so that the Canadian-based advisor can manage the assets. Simply following this advice without fully understanding or determining the tax impact of such a move, can be costly and harmful.

About Cardinal Point Wealth Management

We specialize in assisting affluent Canadian expats, Canada-U.S. dual citizens, green card and visal holders, and snowbirds with their cross-border investment, tax, estate retirement and financial planning needs.

  • Fiduciary Standard: Our professionals operate under the highest standard of care in the financial services industry.

  • Independence: Clients benefit from access to a non-proprietary, conflict-free platform.

  • Transparency: Our fee-based compensation structure is openly disclosed.

  • Collaborative Approach: Our team of multidisciplinary professionals includes Certified Financial Planners® (CFP® Canada & US), Canadian and U.S. Chartered Accountants (CPA), Chartered Financial Analysts (CFA), and tax attorneys (Esq).

  • Investment Expertise: We subscribe to a disciplined, tax-efficient and cost-effective investment approach.

  • Holistic Financial Planning: Clients are profiled to learn about their values, goals, income, balance sheet, investments, insurance, and employee benefits, as well as all retirement, tax, education, and estate planning requirements.

  • Integrated Cross-Border Financial Planning: We have a suite of personalized Canada-U.S. cross-border investment, financial and tax planning solutions.

  • Client Service and Professionalism: Our practitioners are committed to service excellence.