https://crossborderwealth.ca/ Plain-language guidance on the investment, tax, accounting and compliance questions that come with a life on both sides of the Canada–U.S. border. en-ca Mon, 06 Oct 2025 12:00:00 +0000 https://crossborderwealth.ca/articles/cross-border-handbook-summary https://crossborderwealth.ca/articles/cross-border-handbook-summary Mon, 06 Oct 2025 12:00:00 +0000 Chris Mills Cross-Border Planning A quick guide for Americans moving to Canada with roughly $1M or more in investable assets: the key risks, the fixes and a timeline. https://crossborderwealth.ca/articles/top-10-cross-border-wealth-tips https://crossborderwealth.ca/articles/top-10-cross-border-wealth-tips Wed, 24 Sep 2025 12:00:00 +0000 Chris Mills Cross-Border Planning A practical guide to moving wealth across the border: the ten things that decide whether a move between Canada and the U.S. goes smoothly or costs you thousands. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/pre-move-sprint-90-days https://crossborderwealth.ca/articles/pre-move-sprint-90-days Wed, 24 Sep 2025 12:00:00 +0000 Chris Mills Cross-Border Planning How Americans moving to Canada minimize tax, avoid account freezes and prepare documents in the 90 days before residency. https://crossborderwealth.ca/articles/post-move-first-120-days https://crossborderwealth.ca/articles/post-move-first-120-days Wed, 24 Sep 2025 12:00:00 +0000 Chris Mills Cross-Border Planning The first four months set the tone. Get accounts stable, filings on track and currency under control. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/10-tips-before-moving-to-canada https://crossborderwealth.ca/articles/10-tips-before-moving-to-canada Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Cross-Border Planning The earlier you start, the more tax and planning opportunities you keep. Ten things to do before you become a Canadian tax resident. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/401k-after-moving-to-canada https://crossborderwealth.ca/articles/401k-after-moving-to-canada Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Investments Many people still hold a 401(k) or 403(b) after relocating to Canada and are unsure of their options. There are four, and one of them is clearly better than the rest. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/ira-to-canada-four-options https://crossborderwealth.ca/articles/ira-to-canada-four-options Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Investments If you have an IRA and you’re moving to Canada, you may be wondering if and how you can bring it with you, and what tax or penalty would be involved. Here are the four most common routes. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/ira-to-canada-how-to-guide https://crossborderwealth.ca/articles/ira-to-canada-how-to-guide Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Investments Been asked to find a new investment firm for your IRA or 401(k) because you live in Canada? What a rollover is, the 60-day rule, why you were asked to leave, and how it can be done without tax. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/transfer-ira-401k-to-rrsp https://crossborderwealth.ca/articles/transfer-ira-401k-to-rrsp Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Investments It can be done, but it starts with cashing out and paying up to 30% withholding tax. Here is how the transaction works, when a CPA might recommend it, and the far simpler alternative. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/roth-ira-in-canada https://crossborderwealth.ca/articles/roth-ira-in-canada Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Tax & Compliance You can keep a Roth IRA tax free in Canada, but only if you stop contributing and file a one-time election by the deadline. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/pfic-rules-and-reporting https://crossborderwealth.ca/articles/pfic-rules-and-reporting Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Tax & Compliance Canadian mutual funds, ETFs and money market funds are PFICs in the eyes of the IRS. The problem is expensive to unwind and easy to avoid. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/us-citizen-living-in-canada-three-things https://crossborderwealth.ca/articles/us-citizen-living-in-canada-three-things Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Tax & Compliance Investment reporting, your U.S. retirement accounts and the FBAR: the three issues that cause the most surprises for Americans making the move north. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/orphaned-us-retirement-accounts https://crossborderwealth.ca/articles/orphaned-us-retirement-accounts Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills Investments Most U.S. broker-dealers are not registered to do business in Canada, so Canadian residents with an IRA, Roth or 401(k) are often asked to leave within 30 to 90 days. Here is what that means and the way out. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/cross-border-faqs https://crossborderwealth.ca/articles/cross-border-faqs Tue, 05 Nov 2024 12:00:00 +0000 Chris Mills U.S. / Canada Regulations The questions Americans in Canada and Canadians in the U.S. ask most often, answered briefly. https://crossborderwealth.ca/articles/americans-moving-to-canada-advisor https://crossborderwealth.ca/articles/americans-moving-to-canada-advisor Tue, 07 Nov 2023 12:00:00 +0000 Chris Mills Cross-Border Planning Eddie and Lisa built a life in Canada, then got 30 to 90 days’ notice from their U.S. advisor. Their story shows why most Americans in Canada need a differently licensed advisor. https://crossborderwealth.ca/articles/canadians-moving-to-us-wealth https://crossborderwealth.ca/articles/canadians-moving-to-us-wealth Tue, 07 Nov 2023 12:00:00 +0000 Chris Mills Cross-Border Planning Brian, a Canadian executive, smooth-sailed to New York, but his wealth didn’t. Two advisors, two firms and a costly currency conversion, until one cross-border plan replaced them. https://crossborderwealth.ca/articles/five-things-before-moving-to-us https://crossborderwealth.ca/articles/five-things-before-moving-to-us Tue, 07 Nov 2023 12:00:00 +0000 Chris Mills Cross-Border Planning Start early, set up U.S. banking, understand the tax differences, get your investments in the right hands and apply for a Social Security number. The order matters. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/inheriting-us-retirement-accounts https://crossborderwealth.ca/articles/inheriting-us-retirement-accounts Tue, 07 Nov 2023 12:00:00 +0000 Chris Mills Estate Planning Canadian residents can be named beneficiaries of U.S. retirement accounts, and often are. Amanda’s case shows the nuances, and how the tax can be deferred for ten more years. (Updated 2026-09-15.) https://crossborderwealth.ca/articles/what-a-cross-border-advisor-does https://crossborderwealth.ca/articles/what-a-cross-border-advisor-does Tue, 07 Nov 2023 12:00:00 +0000 Chris Mills Industry Insights Who dual-licensed advisors help, how they differ from an ordinary advisor, and the account types they can hold on both sides of the border.