Financial clarity for lives that span borders
We offer specialized guidance to individuals and families whose financial concerns lie on both sides of the Canada-United States border. Our financial advisors, dually licensed in Canada and the U.S., work to simplify these complex issues, so you can have confidence in your financial picture.
Beyond enabling you to meet the regulatory requirements of cross-border investments, our advisors can also help you plan your financial future, taking into account both sides of your financial life and aligning them with your long-term goals.
Who we help
With specialized services and attention to detail, we can help you organize and manage your investments, assets and benefits. Our clients include:
- Americans moving to Canada
- Canadians moving to the U.S.
- Americans living in Canada
- Canadians living in the U.S.
- Expatriates living abroad
Services to meet your needs
For our Canadian and American clients, we can help with a variety of account types, including:
- 401(k) savings plans
- 403(b) annuity plans
- Traditional IRA
- Roth IRA
- SEP IRA
- Rollover IRAs
- Trust accounts
- Loan advance accounts
- Estate accounts
- Separately managed accounts (SMAs)
- Corporate accounts including LLCs and LPs
For Americans, we also help manage:
- Custodian accounts for minors
- Uniform Transfers to Minors Act/Uniform Gift to Minors Act accounts
- 529 college savings plans
- Transfer on death accounts
Our accounts enable you to hold Canadian dollars and 50 other currencies. Within single accounts, you can also hold both U.S.- and Canada-based investment assets.
A partnership built on trust and transparency
We believe transparency is a critical component of trustworthiness. Depending on your needs and goals, you may choose to work with a financial advisor through a commission-based relationship, a fee-based, non-discretionary relationship or, in the U.S. only, a fee-based, discretionary relationship.
Here’s a quick look at how those relationships work.
- In commission-based relationships, your financial advisor makes money when conducting transactions on your behalf. They may also provide advice and guidance on a fee-for-service basis.
- In fee-based accounts, the advisor is paid based on a flat rate or as a percentage of assets under management. In discretionary accounts, advisors are authorized to make investment decisions on your behalf.
- For non-discretionary accounts, you must approve all recommended transactions.
