Free Cross-Border Second Opinion — 49th Parallel Wealth Management
Home  /  Free second opinion
Free cross-border second opinion

Is your money set up for both countries?

Five quick questions, no cost, no email required to see your result. We'll flag the issues that quietly catch Canada–U.S. households — and tell you which ones are worth a closer look.

Start the 2-minute check → Skip to booking a call
Why a second opinion

The things one-country advice tends to miss.

A portfolio can look perfectly healthy on one side of the border and quietly cause problems on the other. These are the issues we check for.

Single-country advice

An advisor licensed in only one country is legally limited on the other half of your life.

PFIC exposure

Canadian funds held by a U.S. person can be taxed punitively — a common, fixable trap.

Currency mismatch

Spending in one currency while invested in another lets exchange swings erode your real returns.

Stale review

Cross-border rules change often; a portfolio that hasn't been revisited can drift out of compliance.

Uncoordinated plan

Investments, tax, and estate handled separately can quietly work against each other.

The cross-border check

Five questions. An honest read.

Tap your answers — we'll tell you what looks solid and what's worth a second look. No result is hidden behind a form.

1. Who manages your investments now?
2. Do you hold Canadian funds/ETFs as a U.S. person (or U.S. funds as a Canadian)?
3. When was your portfolio last reviewed against both tax systems?
4. Does the currency you spend in match your portfolio's currency mix?
5. Do you have a written plan coordinating investments, tax & estate across the border?
Answer the five questions and we'll give you an honest read on your current setup — what's solid, and what's worth a closer look. →
Your second opinion

Here's what we found

    Book a free review →

    This check is a general educational tool, not investment, tax, or legal advice. It can't see your actual holdings — a real review looks at the specifics. Nothing here is a recommendation to buy or sell any security.

    Good to know

    About the second opinion.

    Is the second opinion really free?
    Yes. The check on this page is free and instant, and the follow-up consultation is complimentary with no obligation. It's a straightforward conversation about whether your current setup is serving you across the border — and whether we're the right fit to help.
    Do I have to switch advisors?
    No. Plenty of people get a second opinion simply to confirm they're on track, and stay exactly where they are. The goal is clarity. If we spot something worth fixing, we'll tell you — whether or not you work with us.
    What will you actually look at?
    In a full review we look at how your portfolio is structured across both countries: whether holdings create tax or reporting problems (like PFICs), how currency exposure lines up with your spending, whether accounts are placed efficiently, and how investments, tax, and estate fit together. The check here is a fast first pass at those same questions.
    Let's talk

    Get your free review.

    A complimentary cross-border review of your current setup — no obligation, no pressure, no switch required.