Wealth Management for Canadians — 49th Parallel Wealth Management
Services  /  Wealth management for Canadians
Wealth management for Canadians

Wealth management built for Canadians.

Whether you hold assets in the U.S., are planning a move south, or split your year between both countries, we coordinate your investments, planning, tax, and retirement into one cross-border plan — fee-only and fiduciary.

The basics

What is wealth management?

Wealth management is the process of helping you grow, protect, and use your money in a way that supports the life you want. It goes beyond investing — it brings financial planning, tax strategy, retirement guidance, and ongoing support together in one place.

For Canadians whose financial lives reach into the United States — a winter home, U.S. investments, family across the border, or a planned move — coordination across both countries is where the real value is. We make sure your RRSPs, TFSAs, and U.S. accounts work together rather than in isolation, and that your decisions hold up under both tax systems. Done right, it helps you:

  • Understand where you stand financially
  • Make confident decisions about your money
  • Reduce taxes in both Canada and the U.S.
  • Plan for retirement across the border
  • Keep RRSPs, TFSAs, and U.S. accounts working together
  • Protect your family and build a lasting legacy
Our core services

Everything, under one roof.

Whether you’re just starting to build wealth or planning for retirement, these are the areas we coordinate — as a single, connected plan.

Financial planning

We start with your goals and build a clear plan to reach them — from cash flow to preparing for life changes.

Investment management

A portfolio built around your needs, timeline, and comfort level — focused on long-term, steady growth.

Tax planning

Account choices, timing, and strategy to lower your taxes while staying fully compliant in both countries.

Retirement planning

How much you need, when to draw income, and how to make it last — on whichever side of the border you retire.

Insurance & risk

We review your coverage and prepare you for the unexpected. Fee-only — we don’t sell insurance products.

Education funding

A plan for college or other education goals that makes sense and supports your family’s future.

Estate planning

Organizing your assets and wishes, working with your legal team for a smooth transition to the next generation.

Business planning

Preparing for change — whether you plan to pass on, sell, or step away from the business you’ve built.

Build your wealth plan

What would your plan include?

Tell us what’s on your mind and we’ll sketch the services a coordinated plan would likely bring together — and the simplest way to get started.

What’s on your mind? (select all that apply)
Select what matters to you and we’ll outline the pieces your plan would likely include. →
Your plan would likely include

Talk through your plan

A general starting point, not advice. Financial planning is the foundation of every plan; the rest depends on your goals and situation. We’re a fee-only, fiduciary firm and offer hourly, project-based, and ongoing engagements.

Our planning approach

Good planning starts with listening.

We take time to understand your goals, values, and situation before offering any advice. Here’s how we work together.

01  We listen first

Our first conversation is all about you — what you care about, what keeps you up at night, and what a successful future looks like. This is the foundation for everything else.

02  We create a clear plan

We build a strategy that supports your life, explain your options clearly, and answer every question so you feel confident before moving forward.

03  We help you take action

We support you as you put the plan in motion — opening accounts, investing, adjusting savings — each step in the right order and at the right time.

04  We stay connected

Your life and goals change, and your plan should keep up. We check in, make adjustments, and guide you through whatever comes next.

Not sure your current setup is right for both countries?
Get a free cross-border second opinion — five questions, an instant read.
Get a free second opinion
Good to know

Questions from Canadians, answered plainly.

I’m a Canadian with U.S. investments or property — can you help?
Yes. We specialize in Canadians whose finances reach into the U.S. — U.S. real estate, brokerage accounts, or income. We make sure those assets are structured and reported correctly on both sides of the border and coordinated with the rest of your Canadian plan.
I’m planning to move from Canada to the U.S. — when should I start planning?
As early as possible. Decisions made before you leave — around departure tax, account structure, and the timing of income and sales — shape your options afterward. Planning ahead of a move is far easier, and usually far cheaper, than untangling things later.
What happens to my RRSP and TFSA if I move to the U.S.?
Your RRSP can keep its tax deferral in the U.S. under Article XVIII of the Canada–U.S. Tax Treaty, provided the proper elections are filed with the IRS. A TFSA, however, isn’t recognized by the IRS and is treated as a taxable foreign trust — often creating more trouble than it’s worth once you’re a U.S. resident. We help you manage both correctly.
I’m a U.S. citizen living in Canada — do you work with me?
Yes. U.S. citizens in Canada must keep filing with the IRS every year and face extra reporting — FBAR and FATCA — on their Canadian accounts. We coordinate both systems so nothing falls through the cracks and you stay compliant on both sides.
Do I have to be moving to work with you, or do you help Canadians staying in Canada?
Both. Many clients simply have cross-border exposure — U.S. assets, family across the border, or future plans — without any imminent move. We help whenever your financial life touches both countries, whether you’re relocating or staying put.
Are you a fiduciary? How are you compensated?
We’re a fee-only, fiduciary firm — legally required to act in your best interest and paid directly by you, never through commissions or product sales. We offer hourly consulting, project-based planning, and ongoing wealth management, so you can engage us in the way that fits.
Will you coordinate with my Canadian accountant or lawyer?
Yes. We’re glad to work alongside your existing accountant, CPA, or lawyer so the financial, tax, and legal sides of your plan stay aligned — in both countries.
What makes 49th Parallel different for Canadians?
Cross-border planning between Canada and the U.S. is our core specialty, not a sideline. We understand how the two tax systems interact and how to keep RRSPs, TFSAs, and U.S. accounts working together — something most single-country advisors simply aren’t equipped to do. And we’re fee-only fiduciaries.
What does the first conversation look like?
We start with a complimentary consultation to understand where you live, what you hold, your citizenship and residency, and what you’re trying to accomplish. There’s no obligation and no pressure — just a clear conversation about whether we’re the right fit for your situation.
Let's talk

Build a plan that fits your life.

A complimentary strategy call to understand your goals and show how we’d coordinate the whole picture across the border. No obligation.