CardinalPointWealth,ULC @CardinalPointWM

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…

Planning a move from Canada to the U.S.? Before you pack, plan. In this video, cross-border advisor Karen Rogers Sim from Cardinal Point Wealth Management explains how to avoid double taxation and surprises by planning ahead. Learn how residency is determi cardinalpointwealth.com/2025/09/09/kar…

Navigating Social Security taxation in 2025 requires more than just knowing the rules — it demands strategy. For Canadian and U.S. couples, timing decisions on when to claim can significantly impact after-tax income and long-term security. The new OBBBA de cardinalpointwealth.com/2025/09/08/can…

Selling a personal residence can create unexpected tax challenges for U.S. citizens living in Canada. While both countries provide valuable exemptions, the rules differ significantly. In Canada, the Principal Residence Exemption often eliminates the entire cardinalpointwealth.com/2025/09/05/u-s…

Preserving wealth across generations requires more than lifetime planning — it also means protecting against post-death market declines. For high-net-worth Canadians, a Graduated Rate Estate (GRE) offers a powerful advantage through Income Tax Act s.164(6) cardinalpointwealth.com/2025/09/03/pre…

Thinking of going electric? Time is running out! The Clean Energy and Vehicle Credits introduced under the Inflation Reduction Act are being phased out by the new One Big Beautiful Bill Act (OBBBA). Clean Vehicle Credits for new, used, and commercial EVs cardinalpointwealth.com/2025/08/26/cle…

Canadian donors can take real credit for their generosity. This guide explains how the federal and provincial non-refundable donation tax credits work in 2025, why credits differ from deductions, and how tiered rates apply: 15% on the first $200, then 29%— cardinalpointwealth.com/2025/08/22/cha…

Smart charitable giving just got a refresh. Cardinal Point breaks down five tax-savvy ways to deduct donations under new OBBBA rules: (1) the revived above-the-line cash deduction with the standard deduction (up to $2,000 MFJ/$1,000 others from 2026); (2) cardinalpointwealth.com/2025/08/19/cha…

Cryptocurrency has emerged as a dominant asset class, but for Canadians and Americans with cross-border ties, digital wealth adds layers of tax and reporting complexity. From Bitcoin surpassing $110K USD to new enforcement tactics by the CRA and IRS, the r cardinalpointwealth.com/2025/07/29/cro…

Thousands of Canadians invest in U.S. real estate each year, drawn by warm climates, strong rental markets, and long-term lifestyle goals. But what often gets overlooked are the complex tax, estate, and legal implications of cross-border property ownership cardinalpointwealth.com/2025/07/25/sou…

Many Canadians own U.S.-situs assets—like a Florida condo or U.S. stocks—but few realize how these holdings can trigger U.S. estate tax at death. Without proper planning, families may face costly tax exposure, frozen assets, and long delays in settling the cardinalpointwealth.com/2025/07/22/cro…

Leaving assets across borders? When Canadian estates include U.S. beneficiaries, the tax landscape becomes complex. What seems like a simple inheritance can trigger unintended U.S. tax exposure, from mismatched cost bases to PFIC and CFC reporting requirem cardinalpointwealth.com/2025/07/18/cro…

Many Canadian families are surprised to discover how a U.S. connection—whether through birth, parentage, or a passport—can reshape their entire financial landscape. For Canadian couples with a U.S. citizen spouse, cross-border wealth planning is anything b cardinalpointwealth.com/2025/07/15/nav…

Thinking of moving to Canada from the U.S.? Don’t overlook the strategic benefits of a Roth conversion before establishing Canadian tax residency. Converting your traditional IRA or 401(k) to a Roth IRA while still a U.S. resident could help you lock in lo cardinalpointwealth.com/2025/07/11/mak…

High-income Canadian professionals and business owners often face one of their biggest challenges in managing tax exposure. In our latest guide, Cardinal Point outlines a real-world, integrated approach to minimizing tax drag and accelerating long-term wea cardinalpointwealth.com/2025/07/02/a-p…

Welcoming a new child is a joyous milestone—but it also signals a time to reassess your financial roadmap. Whether you’re in Canada or the U.S., there are strategic accounts to open early, such as RESPs, 529 plans, and custodial accounts like ITFs and UTMA cardinalpointwealth.com/2025/06/30/wel…

If you're a Canadian resident with U.S. IRA assets, there's a powerful strategy to enhance your giving and reduce taxes: Qualified Charitable Distributions (QCDs). By donating directly from your IRA to eligible charities, you can bypass U.S. income tax and cardinalpointwealth.com/2025/07/08/unl…

Major U.S. tax reform is here. On July 4, 2025, the Big Beautiful Bill reshaped the cross-border financial landscape for Canadian and U.S. taxpayers. Whether you’re a U.S. citizen living in Canada, a Canadian with U.S. assets, or a business owner operating cardinalpointwealth.com/2025/07/04/cro…

Navigating taxes when life or business spans the 49th parallel is more than counting days—it’s mastering domicile, residency, and timing. Whether you’re a Canadian entrepreneur eyeing a Florida exit, a U.S. executive planting roots in Vancouver, or a trust cardinalpointwealth.com/2025/06/25/cro…