Stopping borders from becoming boundaries in your financial life

Our team recognizes the inherent challenges of cross-border wealth and are experts in providing simplified, tax-smart solutions that meet the lawful requirements of both Canada and the U.S.

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Banking solutions

Backed by the vast resources of RBC, the only U.S.-based bank specifically designed for Canadians, we provide our clients with a wide array of banking solutions related to money transfers, ATM withdrawals, credit cards, mortgages, loans, and more.

We can help with:

  • Bank Accounts that allow you to easily transfer money back and forth, as well as use any U.S. ATM for withdrawals
  • Credit Cards that denominate purchases in USD
  • Mortgages for the U.S. vacation property of your dreams
  • U.S. Loans – Using your Canadian credit history, access U.S. loans to pay for school, fund a new investment, or cover unexpected costs while traveling.
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Canadians with connections in the U.S.

Whether you do business or own property in the States, we offer unmatched guidance on how best to navigate the financial complexities of your unique situation, from uncovering if you qualify for U.S. Social Security to how you’ll be taxed on your pension income.

Typical questions our clients have:

  • I contribute to a 401(k) so how much should I be contributing to RRSPs to help reduce my Canadian tax obligations?
  • How do I qualify for U.S. Social Security? How does that affect my Canadian pensions?
  • Should I transfer my 401(k) to Canada when I stop working in the U.S.? What does that look like?
  • Are my 401(k) contributions deductible in Canada?
  • What are my options for financing a purchase of U.S. real estate?
  • How does my 401(k) fit within my overall financial plan and is the way it's being managed make sense for my overall portfolio?
  • How will I be taxed on my pension income?
  • If I want to move to the U.S., what happens to all my Canadian investment accounts?
  • What happens when I sell my U.S. real estate? Is it taxable?
  • Do I need a special Will to cover my U.S. real estate?
  • Am I subject to U.S. estate tax?
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Americans who work and live in Canada

We have extensive experience assisting U.S. citizens navigate and simplify their cross-border financial needs in Canada, from reviewing what kind of bank and investment accounts are available to determining whether you’re subject to U.S. estate tax.

Typical questions our clients have:

  • What kind of bank and investment accounts can I have in Canada?
  • Is there anything I can't invest in while in Canada?
  • How do I qualify for the Canada Pension Plan? How does that affect my U.S. pensions?
  • Should I transfer my 401(k)/IRA to Canada?
  • Do I need a special Will to cover my Canadian real estate?
  • Am I subject to U.S. estate tax?
  • I heard there is special reporting that needs to be done for the IRS — is that true?
  • How will I be taxed on my pension income?
  • If I want to move back to the U.S., what happens to all my Canadian investment accounts?
  • Are my RRSP contributions deductible in the U.S.?
  • What happens when I sell my Canadian real estate? Is it taxable?
  • What are my options for financing a purchase of Canadian real estate?

Want to learn more?

Please get in touch with us by filling out the form below and we’d be happy to discuss cross-border solutions further.

Please get in touch with us by filling out the form below and we’d be happy to discuss cross-border solutions further. Required fields are marked with an "*".

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