Wealth Management for Canadians Living Abroad
Moving abroad shouldn't mean leaving your money behind.
Managing your wealth across borders requires careful coordination, whether you're living in Mexico, Europe, the Middle East, or somewhere else around the world.
Leave Canada, Not Your Investments
Many Canadians want to maintain investment assets in secure institutions within their home country, even after changing their residency. We specialize in helping eligible non-resident Canadian clients oversee and manage Canadian investment portfolios (subject to applicable registration, residency, custodian and foreign-law requirements). We strive to ensure our clients’ investments remain aligned with their objectives on their exit from or their re-entry to Canada.
Tax-Aware Planning Based on Your Residency Status
Cross-border financial planning often requires expertise beyond Canadian portfolio management alone. When additional guidance is needed, we work alongside tax and legal specialists with expertise in your specific situation and country of residence. This integrated tax, legal, and investment approach is essential to the success of cross-border and non-resident strategies.
The North Road Difference
The North Road team can help clients identify and navigate questions about living abroad, including:
Can I keep my Canadian investment accounts?
Will my current custodian still allow trading and rebalancing?
What can I do with my registered accounts like RRSP, TFSA, RRIF, RDSP and RESP?
Will my CPP, OAS, and pensions be affected by living abroad?
Can my corporation use advanced planning like Registered Compensation Agreements (RCAs) or Individual Pension Plans (IPPs) to reduce taxes when I move abroad?
Do I need to change my estate plans, will, or insurance policies?
How should I manage the costs of foreign exchange when sending money across borders?
Am I adding significant digital risks to my financial life as I cross borders?
Keep Your Financial Life Connected
Living abroad shouldn't mean managing your finances in isolation. By combining Canadian portfolio management, financial planning, and cross-border coordination with tax and legal professionals, we can help eligible Canadian clients living abroad stay connected to their financial goals, no matter where they call home.
Resources for Navigating Financial Life Abroad
We've helped Canadians navigate the financial complexities of living abroad and regularly create educational content designed specifically for ex-pats. Explore our videos and insights covering tax residency, investment management, retirement planning, and the unique considerations that come with maintaining financial ties to Canada while living internationally.
Important Regulatory Information
The information contained on this website is provided for general informational and educational purposes only. References to investment management, financial planning, cross-border issues, or circumstances affecting Canadians living abroad are not intended to constitute, and should not be interpreted as, a solicitation, offer, recommendation, or invitation to engage in advisory services in any jurisdiction outside of Canada where North Road is not appropriately registered, licensed, or otherwise permitted to conduct business.
North Road does not generally provide investment management, financial planning, or advisory services to persons permanently resident in the United States. Any services that may be provided to a U.S. resident would be subject to applicable U.S. federal and state securities laws and the availability of an exemption from registration.
Any discussion of international residency, non-resident Canadians, or cross-border financial matters is intended solely to provide information regarding issues that may affect Canadians living abroad and should not be interpreted as an indication that North Road may lawfully provide advisory services in a particular foreign jurisdiction. Where North Road is able to act, not all services may be available to all individuals or in all locations.
North Road does not provide legal, tax, accounting, immigration, or foreign regulatory advice. Individuals should seek advice from appropriately qualified professionals in Canada and, where applicable, in their country of residence before making financial, tax, legal, or immigration-related decisions.