Cardinal Point Wealth Management, ULC

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Cardinal Point Wealth Management, ULC Cardinal Point is a leading provider of Canada-U.S. cross-border wealth management services. Cardinal Point specializes in working with Canadian and U.S.

Your Cross-Border Financial Advisor
Cardinal Point’s wealth management offering includes personalized investment, tax planning and preparation, financial planning, and cross-border solutions for families, individuals, and related institutions. residents, Canadian and American expatriates, and those immigrating to Canada and the U.S. from abroad. Wherever our clients call home, we offer tailored wealth, financial and tax planning services, coupled with a disciplined approach that includes investment policy creation, asset allocation, and portfolio management. Our clients seek a long-term relationship with a trusted wealth manager who fully understands their desire to simplify their financial lives—to build and protect their investments, to create a family legacy, and find a more efficient and satisfying approach to managing their wealth. Disclaimer: Disclaimer: "Cardinal Point" is the brand under which the dedicated professionals within the independent Cardinal Point Group of Companies collaborate to provide financial and investment advisory, risk management, financial planning and tax services to selected clients. Cardinal Point comprises three legally separate companies: Cardinal Point Wealth Management, LLC, a U.S. registered investment advisor; Cardinal Point Capital Management ULC, a U.S. registered investment advisor and a registered portfolio manager in Canada; and Cardinal Point Wealth Management Inc., a Canadian financial planning firm. Advisory services are only offered to clients or prospective clients where the independent Cardinal Point firms and its representatives are properly licensed or exempt from licensure. Each firm enters into client engagements independently. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.

10/26/2026

For Canadians living in the United States, finding a financial advisor who is properly licensed to provide investment advice on both sides of the border can be challenging.

In the sixth video of our cross-border wealth management series, John McCord, Senior Private Wealth & Portfolio Manager at Cardinal Point Wealth Management, discusses the advantages of working with a firm that operates in both Canada and the United States.

With offices and appropriately registered advisors in both countries, Cardinal Point can coordinate the management of Canadian accounts, including RRSPs, TFSAs, and pensions, alongside U.S. investment and retirement accounts such as IRAs and 401(k)s.

Our integrated approach provides clients with coordinated investment strategies and multi-currency reporting that offers a consolidated view of their Canadian and U.S.-managed accounts.

Watch the sixth video in our series to learn how Cardinal Point's cross-border platform supports Canadians living in the United States.

10/23/2026

For individuals and families with financial ties to Canada and the United States, estate planning requires careful consideration of differing legal systems, tax implications, and long-term financial objectives.

In the fifth video of our cross-border wealth management series, John McCord, Senior Private Wealth & Portfolio Manager at Cardinal Point Wealth Management, discusses the complexities of cross-border estate planning and the importance of developing a coordinated strategy.

Estate planning laws vary across Canadian provinces and U.S. states, creating potential challenges in how assets are managed, transferred, and distributed.

An effective cross-border estate plan should consider tax implications, ease of administration, and the individual's financial goals and wishes.

Thoughtful planning can help minimize unnecessary delays, reduce potential tax exposure, and support the intended transfer of wealth to future generations.

Watch the fifth video in our series to learn more.

10/22/2026

For Canadians living in the United States, coordinating Canadian and U.S. investment and retirement accounts can provide valuable opportunities for more effective financial planning.

In the fourth video of our cross-border wealth management series, John McCord, Senior Private Wealth & Portfolio Manager at Cardinal Point Wealth Management, discusses the benefits of an integrated investment strategy that considers financial circumstances on both sides of the border.

By overseeing Canadian registered accounts alongside U.S.-based investment and retirement accounts, Cardinal Point can help clients make coordinated investment and withdrawal decisions based on their evolving financial circumstances.

For example, gradually withdrawing funds from a Registered Retirement Savings Plan (RRSP) may offer tax efficiencies when carefully incorporated into a broader cross-border financial strategy.

A coordinated approach can help individuals manage tax exposure, optimize investment decisions, and align their financial resources with long-term goals.

Watch the fourth video in our series to learn more.

10/21/2026

For Canadians living in the United States, managing investments across borders requires a clear understanding of how different tax systems can affect long-term financial planning.

In the third video of our cross-border wealth management series, John McCord, Senior Private Wealth & Portfolio Manager at Cardinal Point Wealth Management, discusses the importance of coordinating investment strategies to manage risk, improve tax efficiency, and avoid costly mistakes.

Investment income within Canadian registered retirement plans may receive different tax treatment depending on an individual's U.S. state of residence. For example, California generally taxes interest, dividends, and realized capital gains within Canadian registered retirement accounts, despite their tax-deferred treatment at the U.S. federal level.

Thoughtful investment selection and tax-managed trading strategies can help minimize potential tax liabilities while supporting broader financial objectives.

Understanding these differences is essential to developing an effective cross-border investment strategy.

Watch the third video in our series to learn more.

10/20/2026

For Canadians living in the United States, navigating tax obligations across two countries can present unique challenges.

In the second video of our cross-border wealth management series, John McCord, Senior Private Wealth & Portfolio Manager at Cardinal Point Wealth Management, discusses the complexities of Canadian and U.S. tax systems and the importance of understanding cross-border reporting requirements.

Canadians residing in the U.S. may have tax filing obligations in both countries, while differences in state tax laws can further complicate financial planning.

Additionally, foreign account reporting requirements, including FinCEN Form 114 (FBAR) and IRS Form 8938, may apply to individuals holding Canadian bank accounts or Registered Retirement Savings Plans (RRSPs). Failure to comply with applicable reporting requirements can result in significant penalties.

Understanding these obligations is an important part of developing a coordinated cross-border financial strategy.

Watch the second video in our series to learn more.

10/20/2026

For Canadians living in the United States, managing finances across two countries involves more than simply maintaining accounts on both sides of the border.

In the first installment of our educational video series, John McCord, Senior Private Wealth & Portfolio Manager at Cardinal Point Wealth Management, discusses the importance of coordinated cross-border financial planning.

From retirement savings and investment management to tax obligations in Canada and the U.S., understanding how these financial considerations interact is essential to developing a comprehensive wealth management strategy.

At Cardinal Point Wealth Management, we help Canadians living in the U.S. navigate the complexities of cross-border wealth management through an integrated approach that considers their financial circumstances in both countries.

Watch as John introduces key considerations for Canadians managing their financial lives across the border.

For Canadians with U.S. citizenship, residency, property, investments, or other financial connections to the United Stat...
10/13/2026

For Canadians with U.S. citizenship, residency, property, investments, or other financial connections to the United States, U.S. estate and gift tax rules can create important planning considerations. The distinction between income-tax residency and estate-tax domicile, along with differences in how lifetime gifts and transfers at death are treated, can significantly affect potential tax exposure. The Canada-U.S. Tax Treaty may provide relief in certain circumstances, but filing requirements and asset-specific rules still need to be considered. Understanding how citizenship, domicile, asset location, ownership structure, and transfer timing interact can help families make informed decisions about wealth transfer and estate planning across borders. Explore the key U.S. estate and gift tax considerations Canadians should understand when planning for the transfer of wealth.

When one spouse is a U.S. citizen living in Canada, cross-border planning extends far beyond filing tax returns in two c...
10/07/2026

When one spouse is a U.S. citizen living in Canada, cross-border planning extends far beyond filing tax returns in two countries.

U.S. citizenship can affect how couples own and transfer assets, invest for the future, structure trusts, designate beneficiaries, and plan their estates. Canadian registered accounts, private corporations, real estate, life insurance, and investment holdings may also receive different tax or reporting treatment in the United States.

Even the direction of a gift—or which spouse dies first—can materially change the tax and estate planning implications.

Effective cross-border wealth planning requires Canadian and U.S. tax, investment, retirement, and estate considerations to be evaluated together. Coordinating account ownership, beneficiary designations, wills, trusts, and other financial arrangements can help ensure a family’s plan works as intended on both sides of the border.

Learn more about key planning considerations for Canadian couples with a U.S.-citizen spouse.

When a Canadian beneficiary moves to the U.S., the tax and estate-planning implications can extend well beyond a simple ...
10/06/2026

When a Canadian beneficiary moves to the U.S., the tax and estate-planning implications can extend well beyond a simple change in residence.

Canadian departure tax, private company ownership, trust distributions, foreign reporting requirements, and the eventual transfer of family wealth may all be affected. For families with businesses, trusts, or significant assets in Canada, existing structures that once worked well may create unexpected cross-border tax and reporting challenges once a beneficiary becomes a U.S. tax resident.

Timing can be especially important. Reviewing corporate, trust, and estate arrangements before a move may provide more planning flexibility and help reduce potential tax exposure, reporting complications, and unintended consequences.

Learn what Canadian families should consider when a child, heir, or other beneficiary moves to the United States—and why coordinated Canada-U.S. planning can make a meaningful difference.

Gifting U.S. investments to Canadian-resident parents may seem straightforward, but the tax implications can extend well...
09/28/2026

Gifting U.S. investments to Canadian-resident parents may seem straightforward, but the tax implications can extend well beyond the initial transfer.

For U.S. citizens, gifts of appreciated U.S. securities generally don’t trigger capital gains tax, but larger gifts may require a U.S. gift tax return. In Canada, the recipient generally isn’t taxed when receiving the gift, but future gains can be subject to Canadian capital gains tax.

One often-overlooked consideration is U.S. estate tax. If Canadian parents continue holding U.S.-situs assets until death, U.S. estate tax and filing requirements may apply—even when treaty relief is available.

Understanding the interaction between U.S. gift tax, Canadian capital gains tax, and U.S. estate tax is essential before transferring assets across the border.

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3280 Bloor Street West, Centre Tower, Suite 500
Toronto, ON
M8X2X3

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