Cross-Border Financial Planning Made Clear
Expert, fee-only advice for individuals and families navigating life between Canada and the U.S.
Transparency
We offer clear, upfront pricing with no hidden fees, commissions, or product sales, just objective advice tailored to your unique situation.
Expertise
Led by one of the few planners certified in both Canada and the U.S., we specialize in the complexities of cross-border finance that most firms simply aren’t equipped to handle.
Accessibility
We work with clients at all stages of wealth, no asset minimums, no gatekeeping, just sound, unbiased advice for those navigating life across borders.
Cross-Border Financial Planning with Clarity and Confidence
Clarity Cross Border Planning provides fee-only, advice-only financial planning for individuals and families navigating life between Canada and the United States. Led by Brandon Davies, one of the few financial planners dually certified in both countries, we offer expert guidance across tax, retirement, investment, estate, and insurance planning. With flat fees, no product sales, and zero commissions, our sole focus is helping you make smart, compliant decisions, no matter which side of the border you call home.
Who We Work With
Tailored financial planning for every stage of your cross-border journey.
Americans Moving to Canada
- Professionals Relocating
- U.S. Residents Retiring in Canada
- Canadians Returning from U.S. Employment
- American Marrying a Canadian
Canadians Moving to the USA
- Professionals Relocating
- Canadian Residents Retiring in the U.S.
- Canadians Starting a Business in the U.S.
- Canadian Marrying an American
Cross-Border Financial Planning
- Americans Living in Canada
- Canadians Living in the U.S.
- Family on Both Sides of the Border
- Assets on Both Sides of the Border
Ongoing Financial Services
- Implementing, Monitoring & Updating Plans
- Coordinating & Managing Tax Filings
- Reviewing & Adjusting Investments
- Navigating Major Life Events
Americans Moving to Canada
Moving to Canada as a U.S. citizen or green card holder comes with a unique set of financial complexities. Without proper planning, you may be exposed to double taxation, unexpected penalties, or compliance issues that are difficult to unwind.
Our cross-border financial planning service helps Americans manage the transition by addressing dual tax filing, coordinate retirement accounts, restructure investments, and provide guidance on everything from Social Security and healthcare access to estate planning and currency strategy.
Canadians Moving to the USA
Relocating to the U.S. as a Canadian resident can unlock exciting opportunities, but it also creates a minefield of tax rules, reporting obligations, and conflicting regulations.
Our cross-border financial planning service helps Canadians manage every financial aspect of their move to the U.S., from minimizing double taxation and mitigating departure tax, to aligning retirement strategies, healthcare coverage, estate plans, and currency considerations with your new residency.
Cross-Border Financial Planning
Living between Canada and the U.S., or maintaining financial ties across the border, comes with layers of complexity that standard financial planning can’t address. Different tax systems, conflicting reporting requirements, and account structures that don’t always translate between jurisdictions can create costly surprises if not handled properly.
We help you stay compliant, reduce tax exposure, and make informed decisions across retirement accounts, investment strategies, estate planning, insurance, and currency management.
Ongoing Financial Services
We provide ongoing support that may include investment planning, cross-border tax coordination, account structuring updates, or a second opinion when new decisions arise. Whether you need help once a year or on a more regular basis, our services are flexible and built around what matters most to you: staying compliant, protecting your wealth, and making smart decisions that align with your goals.
Our Mission
Clarity Cross Border Planning was founded with one goal: to provide expert, unbiased financial guidance for people with ties to both Canada and the United States. We help clients make confident, compliant decisions across borders, without sales pressure, hidden fees, or one-size-fits-all solutions.
Why Clarity?
We’re one of the only firms led by a planner certified in both Canada and the U.S., offering truly integrated financial advice. With flat fees, no product sales, and personalized service, we provide a level of cross-border clarity most traditional firms simply can’t offer.
Our Commitment
Because cross-border planning is an unregulated field, we believe qualifications and transparency matter more than ever. We don’t sell products. We don’t manage your assets. We provide clear, customized plans built around what’s best for you, and only you.
Meet Brandon
Brandon Davies is one of the few financial planners certified in both Canada and the U.S., holding dual CFP® designations along with CIM®, CLU®, and TEP credentials. His expertise covers cross-border tax, retirement, investment, insurance, and estate planning, helping clients navigate the unique financial challenges that come with living across two systems.
Based in Alberta with his wife and young son, Brandon works with individuals, families, and businesses across North America. His approach is practical, honest, and built around giving clients the clarity and confidence they need to make informed financial decisions.
Start with Clarity
Let’s simplify the complex, get in touch today and take the first step toward confident cross-border planning.
Our Shield
Our logo was designed to represent strength, clarity, and trust, three values at the heart of everything we do.
The shield symbolizes protection and structure, reflecting our role in helping clients navigate the complex financial landscape between Canada and the United States. Within the design, you’ll see subtle elements from both countries, the maple leaf and stars, working together to represent cross-border alignment and binational expertise.
It’s a bold, balanced mark that communicates confidence and clarity. For our clients, it’s a reminder that no matter how complex your financial situation may be, you have a trusted guide helping you protect what matters and plan for what’s next, with honesty, transparency, and care.
Transparent, Flat-Fee Pricing
We believe financial advice should be clear, objective, and free from hidden agendas. That’s why we operate on a fee-only, advice-only model, no product sales, no asset-based fees, and no commissions.
Our pricing is based on the complexity and scope of your situation, with every engagement quoted upfront as a flat project fee. You’ll know exactly what to expect before any work begins.
Ongoing support is available for clients who wish to continue working together. These services are billed hourly, monthly, or annually, always clearly defined in advance.
