Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

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  • About Us
    • Our Story
    • Our Team
    • Our Clients
    • Legal and Compliance
  • What We Do
    • Investment Management
    • Wealth Planning
    • Tax Planning and Preparation
    • Private Wealth Services-U.S.
    • Private Wealth Services-Canada
    • Cross Border Wealth Management, Financial and Tax Planning
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning
    • U.S. Citizens Living in Canada
    • Moving to Canada from the U.S.
    • Canadians Living in the U.S.
    • Moving to the U.S. from Canada
    • Expatriates Living Abroad
  • Blog
  • About Us
    • Our Story
    • Our Team
    • Our Clients
    • Legal and Compliance
  • What We Do
    • Investment Management
    • Wealth Planning
    • Tax Planning and Preparation
    • Private Wealth Services-U.S.
    • Private Wealth Services-Canada
    • Cross Border Wealth Management, Financial and Tax Planning
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning
    • U.S. Citizens Living in Canada
    • Moving to Canada from the U.S.
    • Canadians Living in the U.S.
    • Moving to the U.S. from Canada
    • Expatriates Living Abroad
  • Blog

Our Clients

OUR CLIENTS

Cardinal Point specializes in assisting affluent individuals and families living in Canada and the U.S., Canadians moving the U.S., Americans moving to Canada as well as Canadian and U.S. expats living abroad, with their investment management, tax, financial and cross-border wealth planning requirements.

OUR CLIENTS

Cardinal Point specializes in assisting affluent individuals and families living in Canada and the U.S., Canadians moving the U.S., Americans moving to Canada as well as Canadian and U.S. expats living abroad, with their investment management, tax, financial and cross-border wealth planning requirements.

Cardinal Point Clients
puzzle pieces

Wealth Management for a Full Spectrum of Needs

We pride ourselves in offering the following advantages:

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    Fiduciary Standard: Our professionals operate under the highest standard of care in the financial services industry.
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    Independence: Clients benefit from access to a non-proprietary, conflict-free platform.
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    Transparency: Our fee-only compensation structure is openly disclosed.
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    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).
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    Investment Expertise: We subscribe to a disciplined, tax-efficient and cost-effective investment approach.
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    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.
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    Integrated Cross-Border Financial Planning: We have a suite of personalized Canada-U.S. cross-border investment, financial and tax planning solutions.
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    Client Service and Professionalism: Our practitioners are committed to service excellence.

OUR RECENT PUBLICATIONS

HSA Canada and US

EBook: The Health Savings Account in a Canada-U.S. Context

A good savings or investment account allows you to avoid tax on contributions, income, and distribution. Not all available options meet these goals. For Americans living in the U.S., the Health Savings Account (HSA) does, in certain circumstances. For Americans living in Canada, though, the HSA’s benefits disappear as contributions cannot continue and tax liability opens up in Canada for income in the plan. Similarly for Canadians living in the U.S., benefits cease for Tax-Free Savings Accounts (TFSAs) and Registered Education Savings Plans (RESPs). Take a look at this e-book for more detail on the savings and investment plans available and see how they compare.

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questions about social security

Infographic: Can A Foreign Spouse Claim U.S. Social Security?

In most cases, a non-U.S. citizen or non-U.S. resident spouse cannot receive U.S. Social Security spousal benefits if they live outside the U.S. for six consecutive months. But a foreign spouse who is a citizen or resident of Canada, among certain countries, can receive these benefits if certain rules are met. Read this infographic where [...]

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Rental Home

US Taxation of Your Canadian Rental Home

For Canadians moving to the U.S., the options for their home are to sell it, to keep it as a secondary residence, or to rent it. Each has its pros and cons.

Choosing to rent creates tax and capital gains issues in Canada and in the U.S., ongoing tax filing requirements, and the need for a dependable local property manager. Decisions need to be made in a timely way to maximize available tax exemptions. It is complicated, but it may be a wise choice. Cardinal Point’s cross-border specialists can help you decide if it is right for your specific situation and then show you how to use the Canada/U.S. Tax Treaty provisions to your advantage.

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How We Help

  • Cross-Border Financial & Tax Planning
  • Americans Living in Canada
  • Canadians Living in the U.S.
  • Moving to Canada from the U.S.
  • Moving to the U.S. from Canada
  • Expatriates Living Abroad

What We Do

  • Investment Management
  • Wealth Planning
  • Tax Planning & Preparation
  • Private Wealth Services for U.S. Residents
  • Private Wealth Services for Canadian Residents
  • Cross-Border Financial & Tax Planning

Resources

  • Canadians in California
  • Canadians in Texas
  • Canadians in Florida
  • Canadians in Arizona
  • Canadian and U.S. Expat Tax Planning
  • Wealth Management for U.S. Citizens in Canada
  • Custodian Closed Your Cross-Border Investment Account?

Videos & Social Media

  • Americans in Canada: Investment Basics
  • Americans Selling Canadian Homes Face Tax Issues
  • Does it make financial sense to renounce your U.S. citizenship?
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Copyright © 2022. Cardinal Point Wealth Management Partners, LLC and Cardinal Point Capital Management ULC All Rights Reserved.

"Cardinal Point" is the brand under which the dedicated professionals within the independent Cardinal Point Group of Companies collaborate to provide financial and investment advisory, risk management, financial planning and tax services to selected clients. Cardinal Point comprises two legally separate companies: Cardinal Point Wealth Management Partners, LLC, a U.S. registered investment advisor and Cardinal Point Capital Management ULC is a U.S. registered investment advisor and a registered portfolio manager in Canada (ON, QC, MB, SK, NS, NB, AB, BC). Advisory services are only offered to clients or prospective clients where the independent Cardinal Point firms and its representatives are properly registered or exempt from registration. Each firm enters into client engagements independently. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.