Cross-Border Wealth Management Services (Canada & U.S.) — 49th Parallel>
Services  /  Cross-border wealth management
Canada & United States

Cross-border wealth management, under one roof.

When your life spans the 49th parallel, your money shouldn’t be managed in two disconnected halves. We coordinate investments, tax, retirement, and estate planning across both countries — fee-only, fiduciary, and fluent in both systems.

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What it is

One team for both sides of the border.

Most people living between Canada and the United States end up with their financial life split in two — a Canadian advisor for the Canadian accounts, an American one for the U.S. accounts, and no one responsible for the seams between them. Those seams are exactly where cross-border wealth is won or lost: in the tax treaty, the withholding rules, the PFIC and TFSA traps, the way a retirement-account withdrawal or an estate gets taxed in two places at once.

Cross-border wealth management replaces that split with a single, coordinated plan. As a fee-only, fiduciary firm with offices in both countries, we manage your investments, taxes, retirement income, and estate as one picture — built around the treaty that connects the two systems, and around the direction your life is actually heading.

What we coordinate

Everything that crosses the line.

One coordinated plan

Investments, tax, retirement, and estate handled together — not as separate accounts in separate countries that never talk to each other.

Two tax systems, reconciled

We plan around the Canada–U.S. tax treaty, foreign tax credits, and the reporting on both sides — so the same dollar isn’t taxed twice.

Portfolios that travel

Built to remain efficient and compliant whether you’re in Canada, the U.S., or moving between them — PFIC-aware, withholding-aware, currency-aware.

Retirement across the border

CPP, OAS, and Social Security alongside RRSPs, RRIFs, 401(k)s, and IRAs — sequenced into one income plan in the currency you’ll spend.

Estates that cross jurisdictions

U.S. estate tax, the Canadian deemed disposition, and double-probate risk, coordinated with attorneys in each country.

Fee-only & fiduciary

No commissions, no product shelf. We’re paid only by you, on both sides of the line.

Where to start

Which side are you coming from?

The planning is built around your direction of travel. Start with the page that fits your situation — the work is coordinated across both either way.

For Americans & U.S. residents

Wealth management in the U.S.

For families based in the United States — or moving there — with Canadian accounts, citizenship, or ties to manage alongside their U.S. plan.

Explore the U.S. page →
For Canadians

Wealth management in Canada

For families based in Canada — or returning — with U.S. accounts, citizenship, or assets to coordinate alongside their Canadian plan.

Explore the Canada page →
Good to know

Cross-border wealth, answered plainly.

What is cross-border wealth management?
Cross-border wealth management is comprehensive financial management for people whose lives span two countries — in our case, Canada and the United States. Instead of a Canadian advisor handling the Canadian accounts and a U.S. advisor handling the U.S. ones (with no one watching the seams), one fiduciary team coordinates your investments, tax, retirement, and estate planning across both systems, around the treaty that connects them.
Who needs cross-border wealth management services?
Anyone with meaningful financial ties to both countries: Canadians who’ve moved or are moving to the U.S., Americans living in Canada, dual citizens, snowbirds, and families holding property, retirement accounts, or businesses on both sides. If your money lives in two countries, ordinary single-country advice tends to leave gaps — and those gaps are usually where the tax is.
How is this different from a regular financial advisor?
A typical advisor is built for one country’s rules. Cross-border work adds a second full tax and regulatory system plus the treaty between them — PFIC rules, FBAR/FATCA, the TFSA trap for U.S. citizens, withholding tax, departure tax, and estate-tax exposure that crosses the border. We’re licensed and experienced on both sides, and we plan for all of it at once rather than discovering it later.
Do you serve clients in both Canada and the United States?
Yes. We have offices in Scottsdale, Arizona and Vancouver, British Columbia, and we work with cross-border households throughout both countries by phone and video. Whether you’re U.S.-based, Canada-based, or moving between them, the planning is built around your direction of travel.
Are you fee-only and fiduciary?
Always. We don’t sell financial products, accept commissions, or take referral fees — we’re paid only by our clients. That means the advice you get is the advice we’d give if it were our own money crossing the border.
Two countries, one plan. Let’s build it.
A free, no-obligation conversation — fee-only and fiduciary, always.
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