Cross-border Tax Planning

Structure your Canadian and U.S. financial assets to maximize growth and minimize tax all within the context of an integrated cross-border estate plan.

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Tax PLanning

Cardinal Point specializes in providing cross-border expatriate tax preparation, tax planning and tax compliance services for clients living, working, investing, transitioning residency or conducting business in the United States and Canada.

Don’t trust your cross-border taxes to just any firm
We all recognize that significant differences exist between Canadian and U.S. tax laws—but the differences don’t stop with the law books. They extend to the professionals preparing tax returns for those who must deal with both countries’ tax systems.
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Terry Ritchie, US Canada
Podcast: Canada/US Cross-Border Planning Revisited with Terry Ritchie
Cardinal Point’s VP and partner Terry Ritchie joined host Jason Periera on his podcast to discuss recent developments around financial planning issues for Americans living in Canada and Canadians investing in the US.

Cross-Border Wealth Management

Cardinal Point takes a multifaceted approach to providing wealth management solutions in the United States and Canada. Our team of advisors specialize in providing the following cross-border services:

  • Customs and Immigration Planning
  • Retirement Planning
  • Tax Planning and Preparation
  • Investment Management
  • Estate Planning
  • Cash-flow Management
  • Transition and Exit Planning
  • Risk Management Planning
  • Philanthropic Planning

At Cardinal Point, we have the unique registrations and ability to manage integrated cross-border investment portfolios that include all types of accounts in Canada and the United States.

Why Work with a Cross-Border Advisor?

Anyone who has tried to find an advisor who is legally licensed or authorized to provide financial advice on both sides of the U.S.-Canada border knows how difficult that search can be. Few firms comply with applicable regulations or have the appropriate structure in place. And those that do rarely have a qualified team dedicated exclusively to Canada-U.S. cross-border financial planning issues. At Cardinal Point, we are different. We have developed a service model and platform that is specifically designed to meet the needs of Canadians living in the United States, U.S. citizens living in Canada, Canada-U.S. dual citizens, and American and Canadian expatriates living abroad. Because we specialize in these areas, we have the ability to oversee all of your Canada-U.S. cross-border financial planning complexities.

Understand the benefits of working with a Cardinal Point cross-border financial advisor

Americans Living in Canada
As an American residing in Canada, it’s important to make sure your financial affairs are structured properly to avoid double taxation issues and ensure compliance with the laws of both countries.

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Canadians Living in the U.S.
Whether you are transitioning residency between Canada and U.S. or you have already made the move but continue to hold investment assets or financial interests in both Canada and the United States, proper cross-border financial planning can integrate and coordinate the asset management of your investments, reduce taxes and maximize your estate.

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Expatriates Living Abroad
For those Canadians and Americans moving or living abroad, careful cross-border financial planning considerations must be given to ensure tax and regulatory compliance in both your home and adopted countries.

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