Low-cost, fiduciary portfolios for households whose money spans the 49th parallel — managed as one coordinated plan, PFIC- and withholding-aware, and built to travel with you.
When your investments are split across Canada and the United States, the danger isn’t any single account — it’s the gaps between them. Where a holding sits determines how its dividends are taxed and whether withholding tax can be recovered. The wrong fund in the wrong hands triggers the IRS’s PFIC rules. A TFSA that’s tax-free in Canada can be a liability for a U.S. citizen. Manage each account in isolation and those seams quietly cost you.
Cross-border investment management replaces that with a single portfolio managed as one plan. As a fee-only, fiduciary firm working on both sides of the border, we handle asset location, currency, withholding tax, and PFIC exposure together — low-cost, evidence-based, and built to stay efficient whichever side of the line you’re on.
No commissions, no product shelf, no deferred sales charges — on either side of the border. We’re paid only by you, so the portfolio is built for you.
Globally diversified portfolios built on low-cost funds and discipline — not stock tips, market timing, or the high-fee products investors are so often sold.
The right holdings in the right accounts — RRSP, TFSA, 401(k), IRA, Roth, non-registered — so tax doesn’t quietly erode returns in either country.
U.S. citizens steered clear of the PFIC trap; U.S.-dividend holdings placed where withholding tax works in your favour, not against it.
Built to stay efficient and compliant whether you’re in Canada, the U.S., or moving between them — so a move never forces a fire-sale.
Every account managed as a single portfolio with one plan behind it — not six silos in two countries that never talk to each other.
The approach is coordinated across both countries either way — start with the page that fits your situation.
For investors based in the United States — or moving there — with Canadian accounts or holdings to manage alongside their U.S. portfolio. Includes our currency and fee calculators.
Explore the U.S. page →For investors based in Canada — RRSP, TFSA, RESP, FHSA and non-registered — managed with Canadian tax in mind and the cross-border details handled. Includes our account-fit check.
Explore the Canada page →