Putting more life into the 10-year rule
2/19/2025
With the recent finalization of the 10-year rule for IRAs, introduced by the SECURE Act, beneficiaries of qualified retirement accounts now need to think more strategically about what they’re inheriting.
RJLU Blog
Social Security, CPP and OAS: What happens when you have worked on both sides of the border
1/14/2025
Individuals who have worked and contributed into social security in both Canada and the U.S. can generally collect retirement benefits from both countries.
Retirement & Estate Planning
The Repeal of the Windfall Elimination Provision
12/24/2024
The recent passage of the Social Security Fairness Act of 2023 has marked a significant victory for public service workers and cross-border retirees.
Tax Planning
Year-end tax and financial planning considerations 2024
12/19/2024
The end of the year provides a time to review your financial plans and see how they should adapt, particularly amidst rapid change.
RJLU Blog
IRS Issues Final Regulations Surrounding RMDs for Inherited IRAs
8/12/2024
If you inherited an IRA after December 31, 2019, or are set to inherit one soon, you need to know that the rules surrounding IRA inheritances have become more complicated for some designated beneficiaries.
RJLU Blog
Wealth management checklist: Moving from the US to Canada
7/16/2024
Moving from the U.S. to Canada can be exciting, but it also presents unique financial planning and
tax considerations.
RJLU Blog
Wealth management checklist: Moving from the Canada to US
7/16/2024
Embracing a new life south of the border can be exciting, but navigating the
complexities of wealth management across Canada and the U.S. is no small feat.
RJLU Blog
Avoid Probate with a Transfer on Death Agreement
4/25/2024
U.S. residents with retail investment accounts at Raymond James (USA) Ltd. (RJLU) can name beneficiaries to inherit their accounts with a transfer on death agreement (TOD).
RJLU Blog
How to Protect Income from Taxation in 2024: Introducing Our U.S. Tax and Financial Planning Guide
4/15/2024
Effective tax planning isn't just about filing your taxes on time.
RJLU Blog
Through the back door to bigger retirement savings
3/7/2024
“Backdoor” strategies let you enjoy the benefits of a Roth while getting
around some of the limitations.
RJLU Blog
Moving to Canada from the U.S.? Learn How a Cross-border Financial Advisor Can Help You Meet Your Investment Goals
1/18/2024
For many Americans, living in Canada can be very appealing thanks to the country’s diverse nature, liveable cities and publicly funded healthcare.
RJLU Blog
