You spent eighteen years funding an education account. Then the family moved, and nobody mentioned that the account...
Shiraz Ahmed
The Account Canada Calls Tax-Free and the IRS Calls Income: A TFSA Guide for Anyone Moving South
The account that feels like the easy one For most Canadians, the Tax-Free Savings Account is the simplest account in...
Approved Is Not Built: What Canada’s First National-Interest Designation Does and Does Not Change
The headline and the process On October 1, Prime Minister Mark Carney designated a West Coast oil pipeline, now called...
$14,250 on a $1 Million Estate: What Alter Ego and Joint Partner Trusts Do About Probate
The fee most families treat as unavoidable Probate is the court process that confirms a will and gives an executor...
One Family, Two Countries, Two Powers of Attorney: A Snowbird’s Incapacity Checklist
The document that assumes you'll never leave the province A power of attorney is built to solve one problem: someone...
The Fund That Looks Ordinary in Canada and Radioactive in the US
A responsible investor's account, told badly A joint non-registered account, funded with an ordinary Canadian balanced...
Survival Then, Scale Now: Reading Canada’s Energy Consolidation Wave Correctly
The same industry, two very different reasons to sell In March 2017, Shell agreed to sell the bulk of its Canadian oil...
Canadians Owning U.S. Property: How U.S. Estate Tax Applies to Your Winter Home
The condo in Florida was supposed to be the simple part. For Canadians owning U.S. property, estate tax is the part...
Snowbirds and the Substantial Presence Test: How Many Days You Can Spend in the U.S.
Ask a Canadian snowbird how long they can stay in the United States and the answer comes back fast and confident. Six...
When One Will Is Not Enough and Two Wills Are Not the Answer: Probate Planning With a US Beneficiary
The advice every business owner eventually getsHow the structure works, and whyThe law behind it is settled, but it...
Regime Change, Commitments and Price: A Method for Telling Which Headlines Actually Matter
Everything arrives at the same volumeThree questions, in orderThe regime change: the direction of rates reversedThe...
Unlimited in Canada, Capped at $250,000 in the US: The Home Sale Exemption That Does Not Cross the Border
A deal is being floated, and it has a price tagTwo countries, two different bargainsThe cap that has not moved since...
CPP, OAS and U.S. Social Security: How Cross-Border Retirement Income Fits Together
If you worked on both sides of the border, you may be entitled to government retirement income from both countries. A...
What Is a PFIC? A Cross-Border Investor’s Guide to Passive Foreign Investment Companies
There is a mistake that catches careful people, not careless ones. You are a U.S. citizen or green card holder living...
Three Headlines, One Regime Change: Telling a Structural Shift From Noise
Why the sorting matters more than the summaryThe regime change: from tariffs to bansCanada's answer changed tooThe...