Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

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  • About Us
    • Our Story
    • Our Team
    • Our Clients
    • Legal and Compliance
    • Part 3 Form CRS
    • Relationship Disclosure Information
  • 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 Advisor
    • Business Management for Athletes
    • Indigenous Wealth Services
  • Cross-Border Services
    • Cross-Border Wealth Management, Financial and Tax Planning Advisor
    • Cross-Border Financial Planning
    • Cross-Border Tax Planning
    • Cross-Border Estate 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
    • Part 3 Form CRS
    • Relationship Disclosure Information
  • 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 Advisor
    • Business Management for Athletes
    • Indigenous Wealth Services
  • Cross-Border Services
    • Cross-Border Wealth Management, Financial and Tax Planning Advisor
    • Cross-Border Financial Planning
    • Cross-Border Tax Planning
    • Cross-Border Estate 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
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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-based 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

US Tax changes

Winter 2023/2024 Tax Highlights – USA

The tax team at Cardinal Point Capital Management has put together a few highlights of what is old and what is new for taxes and compliance in the United States this winter of 2023–2024. The Tax Cuts and Jobs Act is still in play until 2026 and the lower tax rates, higher gift and estate tax exemption and complex foreign reporting are both your planning opportunities and your foreign compliance burden. The SECURE Act 2.0 offers better choices for retirement savings. Clean energy tax credits from the Inflation Reduction Act are fully available for 2023 and forward. Beneficial Ownership Reporting will start in January 2024.

Read more
tax Canada

Winter 2023/2024 Tax Highlights – Canada

2023 was a busy year of changes for taxation in Canada! Changes to the Alternative Minimum Tax (AMT) are substantial and will affect most taxpayers with capital gains and stock options. The tax team at Cardinal Point Capital Management has put together this letter to explain AMT at a high level and point out some other measures that warrant notice. These other measures include: the First Home Savings Account, anti-flipping rules for principal residences, the Underused Housing Tax, vacant home taxes expanded reporting for all trusts (including bare trusts), enhanced GAAR, and the Mandatory Disclosure Rules. Let’s jump in with the increased limit for withdrawals of EAP (the grant portion) from an RESP.

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IRS inflation

2024 Annual Inflation Adjustments from the IRS – Cross-Border Implications

The only constant in the world of taxes is change. The IRS recently announced the inflation adjusted numbers for 2024. Spoiler alert: All the numbers increase until 2026. For U.S. citizens living abroad and for non-U.S. persons with assets in the U.S., these changes matter. In this article, the tax team at Cardinal Point Capital Management goes over the dollar limits such as the increase in the lifetime gift and estate tax exemption to $13,610,000 and what that means for a non-resident whose estate is in multiple countries or whose inheriting spouse is not a U.S. citizen.

Read more

How We Help

  • Cross-Border Financial Planning
  • Cross-Border Transition Planning
  • Cross-Border Tax Planning
  • Cross-Border Estate Planning
  • Cross-Border Investment Management
  • 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
  • Business Management for Athletes

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
  • Calgary Financial Planner
  • Custodian Closed Your Cross-Border Investment Account?
  • Part 3 Form CRS

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 © 2023 Cardinal Point Capital Management, ULC. All Rights Reserved.

“Cardinal Point” is the brand under which dedicated professionals within Cardinal Point Capital Management, ULC provide financial, tax and investment advisory, risk management, financial planning and tax services to selected clients. Cardinal Point Capital Management, ULC is a US 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 Cardinal Point and its representatives are properly registered or exempt from registration. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.