Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

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  • 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
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning Advisor
    • 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
  • Cross-Border Services
    • Cross Border Wealth Management, Financial and Tax Planning Advisor
    • 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

Private Wealth Services for Residents of Canada

PRIVATE WEALTH SERVICES
FOR CANADIAN RESIDENTS

Cardinal Point builds personalized, comprehensive and tailored wealth plans for residents of Canada.

Let’s Talk

PRIVATE WEALTH SERVICES FOR CANADIAN RESIDENTS

Cardinal Point builds personalized, comprehensive and tailored wealth plans for residents of Canada

Let’s Talk
Private Wealth Clients

At Cardinal Point, we work with individuals and families who have made a commitment to excellence and expect it from others. Our clients come to us for a variety of reasons: the expertise of our investment management services; the integration of their tax, retirement, and estate plans; and the simplicity we bring to their complex financial lives.

We understand that your family, your values, your interests and your philanthropy are all connected. That’s why we use a comprehensive, personalized financial planning approach to build, preserve and manage your wealth.

As a client of Cardinal Point, you can enjoy the assurance that comes with having a team of experienced professionals working with you to build a comprehensive wealth plan that is focused on creating long-term value — and delivered with a personalized approach that is tailored to your needs.

Canadian Private Wealth Services are best suited for families with more than $1 million of investable assets.

US/Canada Investment Accounts

Investment
Management

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US/Canada Investment Accounts

Tax Planning
& Preparation

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US/Canada Investment Accounts

Wealth
Planning

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US/Canada Investment Accounts

Cross-border Financial & Tax Planning

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US/Canada Investment Accounts

Investment accounts in Canada and the U.S.?

Our team manages assets in both countries
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Goal Based Investment Strategies

Goal-based Investment Strategies

Get a complimentary review of your portfolio
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OUR RECENT PUBLICATIONS

cross border financial probate

Probate Fee Planning: Understanding the Pros and Cons

There are fees or taxes associated with probate, which vary depending on the jurisdiction and can be quite high. Failing to plan carefully can result in greater tax liability and assets not being distributed among beneficiaries as intended. Fortunately, strategies to reduce those fees can have a significant impact on the distribution of wealth upon death. But while some strategies work in certain jurisdictions, they may not be applicable elsewhere. There are also special ways to reduce fees for those over the age of 65. While probate fee planning is a complex process, it’s valuable – and worthy of guidance from a qualified professional advisor.

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business owner retirement planning

Pension Options for the Canadian Business Owner-Managers Retirement

Planning for retirement is an important objective for owner-managers operating businesses in Canadian-controlled private corporations (CCPC). Their options include Registered Retirement Savings Plans, Canada Pension Plans, Quebec Pension Plans, or Individual Pension Plans. Generally, these are funded by the employer for the benefit of employees once they retire. They can either be funded only by the employer or may by the employer and the employee. Each plan has its own rules and timelines regarding contributions, contribution limits, and withdrawals – and there may be penalties for not adhering to the rules. Planning ahead with strategies based on your particular situation can help boost retirement savings. Learn more by reading our article devoted to this topic.

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Canadian business owner

Canadian Business Owner-Manager Remuneration Planning

If you are an incorporated Canadian entrepreneur or business owner, there are two general ways to pay yourself from your corporation. You can use a salary or bonus, and that’s a deductible business expense but is fully taxable as your personal employment income. Or the company can pay a dividend that isn’t a deductible business expense but is taxed at a lower rate to you as personal income. Each option has different personal and corporate tax implications. There may also be some different tax rate advantages or disadvantages, depending on the province. Our article covers the details to provide understanding and strategic tax planning insights.

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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
  • 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?

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.