CardinalPointWealth,ULC

Two Canadian families move to the U.S. and build similar lives, but their immigration paths create very different planning realities. E-2 visas and green cards each carry unique implications for ... #CrossBorderPlanning #CanadaUS #CardinalPointWealth tinyurl.com/db7cwvrj

In “How U.S. Tax Residency Is Determined,” John McCord explains the IRS tests that define U.S. tax residency, including the green card test, substantial presence test, and closer... #USTax #TaxResidency #CrossBorderPlanning #USCanada #CardinalPointWealth tinyurl.com/2mcrsdps

Inflation is not just a headline number. Every household experiences its own “personal inflation rate,” which can shape whether a retirement plan succeeds. Thoughtful planning model... #CardinalPointWealth #Inflation #RetirementPlanning #FinancialPlanning tinyurl.com/44eaaehb

Crypto in a Roth IRA can offer tax-efficient upside, but it is not set-and-forget investing. Treat it as a small venture sleeve with clear rules... #Cryptocurrency #RothIRA #RetirementPlanning #CrossBorderPlanning #WealthManagement #CardinalPointWealth tinyurl.com/ymy4958s

Buying a vehicle in Florida and importing it to Canada can be practical and cost-effective for snowbirds. When export, CBSA, and RIV steps are handled correctly, it is typically a one-time... #CrossBorderPlanning #Snowbirds #CanadaUS #CardinalPointWealth tinyurl.com/mrp5hvdd

Deferring RRIF and IRA withdrawals can create a tax spike in your 70s. A strategic “meltdown” approach uses low-income years in your 60s to smooth taxes, reduce OAS clawbacks ... #RetirementPlanning #TaxStrategy #CrossBorderPlanning #CardinalPointWealth tinyurl.com/46kdw9hd

For Canadians with U.S. ties, immigration status and tax residency are not the same. Frequent travel can trigger U.S. tax residency, while estate tax exposure follows... #USCanadaTax #CrossBorderPlanning #EstatePlanning #Snowbirds #CardinalPointWealth tinyurl.com/2yuank6n

Estate planning isn’t just about wills and trusts. Clear executor instructions help loved ones manage accounts, bills, digital access, and daily life during an already difficult time. It’s a practical and compassionate step that turns good planning into... tinyurl.com/2j6r7kwy

If a parent gives you money after giving up a Green Card or U.S. citizenship, the tax bill may fall on you. IRC §2801 can impose a 40% expatriation transfer tax on gifts or inheritances from covered expatriates—making planning critical. #TaxPlanning tinyurl.com/4jnvwdfk

A new Federal Court of Appeal decision—The King v. Vefghi Holding Corp. (2025 FCA 143)—is sending shockwaves through Canada’s trust and corporate planning community. cardinalpointwealth.com/2025/11/23/tru…

Receiving an inheritance can be both emotional and complex — especially for families with assets or heirs across Canada and the U.S. Our latest article, What to Consider When Receiving an Inheritance, explores how to balance gratitude with smart financial cardinalpointwealth.com/2025/11/18/wha…

Retirement spending needs an upgrade—especially for Canadians and Americans living across the border. Our new piece, The Next Evolution in Retirement Spending, explains Stefan Sharkansky’s “Only Other Spending Rule,” an ARVA-based framework that replaces s cardinalpointwealth.com/2025/11/14/the…

Canadian residents with U.S. or offshore accounts face one of the most overlooked yet costly compliance obligations—Form T1135. Our latest article, Understanding Form T1135 – Reporting Rules, Penalties, and the Due Diligence Standard for Cross-Border Inves cardinalpointwealth.com/2025/11/10/und…

Moving between Canada and the U.S. brings exciting opportunities—but your retirement savings shouldn’t get lost in transit. Our latest guide, Navigating Cross-Border Pension Portability, breaks down how to protect your CPP, QPP, FTQ, 401(k), or defined ben cardinalpointwealth.com/2025/11/06/nav…

Divorce is hard enough—adding a border between Canada and the U.S. can turn it into a complex tangle of tax rules, treaties, and conflicting laws. This piece explores what really happens when binational couples split and need to divide retirement assets li cardinalpointwealth.com/2025/10/29/bre…

Canadian tax residency is the starting point for any effective cross-border wealth strategy. In this video, Jeffrey Adema, President, Wealth Management, Cross Border at Cardinal Point Wealth Management, explains how residency is actually determined and why cardinalpointwealth.com/2025/10/25/can…

Cross-border advisors are facing one of the most complex and politically charged environments in recent years. Kris Rossignoli, Senior Private Wealth Manager at Cardinal Point Capital Management, shares his insights in The Globe and Mail on how evolving U. cardinalpointwealth.com/2025/10/22/kri…

Navigating retirement when your life and assets span both Canada and the U.S. requires more than standard planning. Tax residency rules, cross-border pension benefits, and the treatment of accounts like RRSPs, IRAs, TFSAs, and Roth IRAs all demand careful cardinalpointwealth.com/2025/09/17/cro…

Navigating retirement across Canada and the U.S. requires more than just knowing your portfolio balance — it’s about structuring withdrawals wisely to sustain income for decades. With unique tax regimes, fluctuating currencies, and the complexities of CPP, cardinalpointwealth.com/2025/09/12/cro…

Navigating wealth management across the U.S. and Canada requires more than quick searches or single-country advice. The complexities of tax rules, retirement accounts, estate laws, and investment regulations demand professionals with dual licensing on both cardinalpointwealth.com/2025/09/10/why…