Cross-Border Financial Planning

Living between Canada and the U.S., or maintaining financial ties across the border, comes with complexities that standard financial planning can’t solve. Conflicting tax systems, reporting requirements, and account structures that don’t always translate between jurisdictions can lead to costly surprises if not handled properly.

At Clarity Cross Border Planning, we simplify the complex. We help you stay compliant, reduce tax exposure, and make confident financial decisions that work on both sides of the border.

Who We Work With

We work with clients navigating life across borders, including:

When your life spans two countries, financial planning becomes far more complicated. Without the right strategy, it’s easy to fall into tax traps, miss compliance requirements, or make costly decisions with retirement accounts and investments.

Some of the most common challenges we address include:

Understanding tax residency rules and filing requirements with the IRS and CRA
Avoiding double taxation and penalties on foreign accounts
Managing RRSPs, IRAs, 401(k)s, TFSAs, and RESPs across borders
Navigating PFIC rules for Canadian mutual funds and ETFs
Coordinating CPP, OAS, and U.S. Social Security benefits
Structuring estate plans, trusts, and inheritances for compliance in both countries
Developing currency strategies to protect against exchange rate fluctuations

Our Cross-Border Planning Approach

We bring clarity to even the most complex financial situations. Our services include:

A full review of tax obligations and reporting requirements
Strategies to restructure retirement and investment accounts for efficiency
Estate and gift planning that works in both jurisdictions
Guidance on insurance, healthcare, and cross-border asset ownership
Guidance on insurance, healthcare, and cross-border asset ownership

Why Choose Clarity Cross Border Planning?

Clarity Cross Border Planning is led by Brandon Davies, one of the few financial planners certified in both Canada and the U.S. With dual CFP® designations and expertise in tax, retirement, investments, insurance, and estate planning, we provide the specialized knowledge needed for cross-border clients.

We operate as a fee-only, advice-only firm, meaning no sales pitches or hidden fees, just clear, unbiased advice tailored to your situation.

Ready to Simplify Your Cross-Border Finances?

No matter which side of the border you call home, we’ll help you create a plan that works everywhere your life takes you.