How do I get started with 49th Parallel Wealth Management?

It’s easy! Just book a free consultation through our website or give us a call. We’ll discuss your unique situation and outline how we can help you achieve your financial goals on both sides of the border.

Do I need to have a high net worth to work with you?

Not at all! We work with clients at all stages of their financial journey—from young professionals just starting out, to retirees with complex cross-border needs. Our goal is to provide value, clarity, and peace of mind to everyone we serve.

What services do you offer besides investment management?

In addition to investment management, we offer retirement planning, tax strategies, estate planning, and currency management all tailored for cross-border clients. We take a holistic approach to ensure every part of your financial life works together smoothly.

Can you help with both Canadian and U.S. domestic only individuals?

Yes! We specialize in cross-border complexities, but we also help with domestic only clients as well. In other words, if you only have Canadian interests we can assist and vice versa.

: What makes 49th Parallel Wealth Management different from other financial advisors?

We specialize in cross-border financial planning for Canadians and Americans. Which in turn makes us qualified to help in all areas including domestic financial planning as well. Our team understands the unique tax laws, investment strategies, and retirement rules on both sides of the border. We focus on simplifying complex issues so you can achieve long-term financial success no matter where life takes you.

Helpful Links

Helpful Resources for Your Cross-Border Financial Journey

Navigating the complexities of financial planning between Canada and the U.S. requires reliable guidance and the right tools. Whether you’re looking for cross-border tax information, retirement planning resources, investment data, or regulatory insights, this collection of links will provide you with trusted sources to help you make informed decisions. These resources are tailored to the unique financial needs of individuals and families managing assets, investments, and wealth across both countries. Explore the links below to support your financial goals with confidence.

UNITED STATES

Social Security Retirement Hub – Prepare for Social Security benefits | SSA
Social Security Benefits Calculator – Benefits Planner: Retirement | Online Benefits Calculator | SSA
Social Security WEP Calculator – Benefits Planner: Retirement | Windfall Elimination Provision (WEP) Online Calculator | SSA
Social Security Totalization Agreement with Canada – Totalization Agreement with Canada | International Programs | SSA
U.S. Income Tax Brackets – Federal Tax Brackets and Income Tax Rates – NerdWallet
U.S. Capital Gains Tax Brackets – Capital Gains: Tax Rates and Rules – NerdWallet
U.S. Treasury Interest Rates – Interest Rate Statistics | U.S. Department of the Treasury
U.S. IRA Required Minimum Distribution (RMD) Tables – Publication 590-B (2023), Distributions from Individual Retirement Arrangements (IRAs) | Internal Revenue Service
US Immigration Visa Categories
U.S. Inflation Data

Roth IRA Income Limit – Amount of Roth IRA contributions that you can make for 2024 | Internal Revenue Service (irs.gov)
IRA Contribution Limits – Retirement topics – IRA contribution limits | Internal Revenue Service (irs.gov)
CFP Code of Ethics and Standards of Conduct – Code of Ethics and Standards of Conduct | CFP Board
U.S. CFP Board website – CFP Board | Certified Financial Planner Board of Standards, Inc.
IRS – United States – Canada Income Tax Convention (Treaty) – Canada – Tax treaty documents | Internal Revenue Service (irs.gov)
U.S. Life Expectancy Tables – Products – Life Tables – Homepage (cdc.gov)
Investment Advisor Public Disclosure website – IAPD – Investment Adviser Public Disclosure – Homepage (sec.gov)

Canada

Canada Revenue Agency (CRA), Canada Pension Plan (CPP), and Old Age Security (OAS) portal – Canada.ca
CPP Contribution Rates, Maximums, and Exemptions – CPP contribution rates, maximums, and exemptions – Calculate payroll deductions and contributions – Canada.ca
OAS estimator – Old Age Security Benefits Estimator – Canada.ca
Canadian Retirement Income Calculator – Canadian Retirement Income Calculator – Canada.ca
Maximum RRIF/LIF Distribution Table (ON) – Life Income Fund (LIF) and Locked-In Retirement Income Fund (LRIF) Maximum Annual Income Payment Amount Table | Financial Services Regulatory Authority of Ontario (fsrao.ca)
Canada Chart of Prescribed Factors (for minimum RRIF/LIF distributions) – Chart – Prescribed factors – Canada.ca

Canada Tax Brackets – TaxTips.ca – Canada’s 2024 & 2025 Tax Rates – Federal
Convention between Canada and the United States of America with Respect to Taxes on Income and on Capital – Convention between Canada and the United States of America with Respect to Taxes on Income and on Capital – Canada.ca
Splitting CPP Credits (Divorce) – Divorced or separated: Splitting Canada Pension Plan credits – Canada.ca
Sharing CPP Credits – Pension sharing – Canada.ca
Canada Financial Planning Standards Counsel (FPSC – CFP Canada) – Home | FP Canada
FPSC – FP Canada Ethics – Ethics | FP Canada
Canada Immigration Visas