Cross-border wealth management,
simplified.
Navigating the complex waters of cross-border financial planning?
Discover how Raymond James' dually licensed financial advisors can help you smoothly manage and grow your wealth across the Canada-U.S. border.
Download our Cross-border Checklist (PDF)
Our cross-border solutions.
Licensed in both the U.S. and Canada, we perform in-depth financial analysis that offers various cross-border solutions including:
- Investing in your portfolio in the currency of your choice via our advanced multi-currency platform.
- Avoiding the collapse or liquidation of investment accounts or risk significant penalties and tax consequences because of your move.
- Managing both U.S. and Canadian assets and investment accounts, such as IRAs, inherited IRAs, 401(k) rollovers and RRSPs. Our comprehensive investment strategy meets regulatory requirements on both sides of the border.
- Creating a disciplined, unified investment strategy and solid retirement plan for U.S. and Canadian assets aimed at giving you financial peace of mind.
- Assessing limitations on funds transfers and taxation on various holdings.
What sets us apart?
At Raymond James (USA) Ltd., we understand that no two financial situations are the same. Whether you’re moving assets, relocating or seeking better opportunities abroad, our cross-border financial advisors can develop personalized solutions that empower you to confidently navigate the complexities.
Here’s a quick look at ways we can help you unlock the full potential of your wealth across the Canada-U.S. border.
Building a holistic, robust financial plan that:
- Provides tailored solutions aimed at optimizing your financial outcomes and fostering long-term growth.
- Seamlessly integrates both U.S. and Canadian assets.
- Assess your unique needs, goals and challenges.
Expert advice for global transitions
Case 1
Moving to the U.S. from Canada
Managing Wealth Across Borders: A Complex Journey
Case 2
Moving to Canada from the U.S.
Navigating Cross-Border Wealth Management: A Common Dilemma for U.S. Expats in Canada
Case 3
Top 5 Reasons to Keep Your IRA Instead of Transferring It to an RRSP
Case 4
Top 5 Things Canadian Expats Should Know About U.S. Social Security Benefits
Case 5
Top 5 Financial Considerations for Americans Moving to Canada
Case 6
What to Do With Your 401(k) When Moving to Canada
Our Approach
Mitigating tax implications
- Developing tax-efficient strategies* and helping you minimize your tax liabilities on both sides of the border
- Providing a pre-move tax consultation with our cross-border tax experts to discuss planning opportunities before moving to a new country
- Navigating the complexities of tax treaties and understanding residency rules
- Optimizing investment placement to ensure you’re notoverburdened with unnecessary tax obligations
Aligning your investment strategy and retirement planning
- Helping you maximize retirement savings while avoiding penalties
- Exploring opportunities while minimizing risks associated with cross-border investments
- Maximizing retirement benefits paid by both governments, such as social security, Medicare, Canadian Pension Plan and Old Age Security
Providing estate planning
- Crafting customized estate plans compliant with both Canadian and U.S. legal frameworks
- Ensuring a smooth transition for your loved ones
- Assessing exposure to U.S. estate tax and Canadian income taxes at death
- Planning for Canadian and U.S. probate fees