• Discounted Bonds vs. GICs: Maximizing After-Tax Returns
• Reasons to Consider transferring your 401k to a Rollover IRA
• Social Security, CPP and OAS: What Happens When You Have Worked on Both Sides of the Border
• Cross-Border Wealth Management: Five Things To Know Before Moving From Canada to the U.S.
• Moving from Canada to the United States with Canadian Investment Accounts
• Comprehensive Reporting and Investment Expertise for Americans in Canada
• The Raymond James Advantage – Comprehensive Tax Reporting for U.S. Persons Residing in Canada
• Understanding Gift Tax: Your Obligations and When it Applies
• Consolidating Your TIAA Account
• Inheriting a Roth IRA: What You Need to Know
• The Thrift Savings Plan (TSP)
• The Top 5 Reasons to Keep Your IRA Instead of Transferring to an RRSP
• 60(j) Transfer: Should You Transfer Your U.S. Qualified Plan to an RRSP?
• What to Do as a U.S. Individual Inheriting Canadian Dollars
• The Implications of Using a U.S. Address on Investment Accounts When Moving Abroad
• Are you considered a Covered or Uncovered Expatriate?
• Required Minimum Distributions: FAQ
• Crossing Borders and Maximizing Investments: Navigating Your Finances
• Employee Stock Ownership Plan (ESOP): What you need to Know
• Restricted Stock Units (RSUs): A Comprehensive Guide
• FBAR (Foreign Bank Account Report): Top things to know about FBAR
• Why incorporated Business Owners should consider an Individual Pension Plan (IPP)
• BACKDOOR ROTH IRA – What Is It & When Does It Make Sense
• California Residents: Your Canadian retirement savings accounts DO NOT Grow Tax Free
• Understanding Inherited IRAs
• What To Do With Your U.S. Taxable Investment Accounts When You Become A Canadian Resident
• Why You Should Work with A Cross Border Financial Adviser
• Roth IRA: Moving To Canada with your Roth IRA
• Mistakes to Avoid When Moving to Canada
• U.S. Person Buying a Home in Canada
• Passive Foreign Investment Company (PFIC) and Why You Should Avoid Them
• 401(k) to IRA Rollover
In the world of investments, where maximizing returns is a primary concern for many, the choice between different financial instruments can significantly impact the after-tax yield on your portfolio. Two popular options often considered by investors are Government of Canada bonds trading at a discount and Guaranteed Investment Certificates (GICs). In this blog post, we'll explore the key differences between these two investment options and why discounted bonds can offer a superior after-tax yield.
You've left your employer, or you’ve retired, but here's the twist - you left your 401(k) behind. Think of it like breaking up with your partner and deciding to leave your belongings at their place, even though you are now separated. Does this sound a bit odd?
In this blog we share 9 reasons you may want to consider converting your 401(k) to a rollover IRA when you leave your employer.
Individuals who have worked and contributed into social security in both Canada and the U.S. can generally collect retirement benefits from both countries. The Canada-U.S. Totalization Agreement helps individuals qualify for benefits.
Canadians and Americans can benefit from the Canada-U.S. Totalization Agreement, which is a treaty that prevents double social security taxation and protects benefits for people who have worked in both countries. The agreement covers the U.S. Social Security program as well as Canada’s Old Age Security (OAS) program and the Canada Pension Plan (CPP). An understanding has been established with Quebec to extend the agreement to apply to the Quebec Pension Plan (QPP) as well.
You may have social security credits in both the United States and Canada but not have sufficient credits to be eligible for benefits in one country or the other. The agreement between the United States and Canada may help you qualify for social security benefits in one or both countries that you would not have been eligible for without the agreement. Retirees living in Canada may be eligible for the following government social security programs.