Cross-border (US / Canada)
Cross-border planning between the US and Canada involves tax residency, treaty coordination, RRSP/IRA interactions, estate and gifting regimes that don't line up, provincial vs state complexity, and the specific mechanics of moving a household, a retirement, or a business across the border. Every advisor listed here names US–Canada work on their own firm's site. Planning for other countries is under International & expat planning.
By the numbers
- Advisors listed
- 39
- Firms
- 16
- Cities
- 18
- Hold the CFP
- 46%
- Other credentials: CFA 26% · CPA 3% · EA 3%
- How they charge (of 37 with fees on file): hourly 76% · one-time planning fee 57% · percentage of assets 54% · ongoing planning fee 41%
Source: Wellspent public graph, data as of . Shares are of advisors listed here; an advisor can hold several credentials or fee types. Methodology
Questions about cross-border (us / canada) advisors
Which financial advisor should I talk to about moving between the US and Canada?
For US-Canada cross-border planning, talk to a fee-only planner who works on both sides of the border, and check they can legally advise you in each country. Accounts like RRSPs and Roth IRAs are treated differently on each side.
How many fee-only advisors for US-Canada cross-border planning are there?
The Wellspent public graph lists 39 fee-only advisors for US-Canada cross-border planning, at 16 firms. We counted every advisor record that fits, as of October 2026.
Where are fee-only advisors for US-Canada cross-border planning located?
Of the 39 fee-only advisors for US-Canada cross-border planning, 9 are in Markham, followed by 8 in Surrey and 5 in Victoria.
How do fee-only advisors for US-Canada cross-border planning charge?
The most common fee among fee-only advisors for US-Canada cross-border planning is an hourly rate, used by 76% of the 37 with fees on file. Many use more than one: 57% charge a one-time planning fee and 54% charge a percentage of assets.
What credentials should a financial advisor for US-Canada cross-border planning have?
For US-Canada cross-border planning, look for the CPA, EA and CFP. CPAs help with treaty and residency questions.
What should I ask a financial advisor about moving between the US and Canada?
Are you registered to advise in both countries? How would you treat my RRSP or TFSA? What should I do before I move rather than after? Who handles my returns on each side?
Cross-border (US / Canada) by state
Advisors with depth in cross-border (us / canada)
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Al Faber Collaborative, do-it-with-you hourly or flat-fee planning for people who want to stay in control, with no product sales or ongoing fees. | DIWY Financial Planning | Los Angeles | CFP, ChFC, CLU, MBA | One-time planning fee, Hourly |
| Rupa Pereira Tax-focused hourly and comprehensive planning for young families, women-led households and clients with cross-border ties. | FWJ Planning | Raleigh Durham Triangle | CFP, EA | Subscription, One-time planning fee |
| Aditi Kapadia | Wealth IQ | Springfield | CFA, CFP, MBA | Percentage of assets, One-time planning fee |
| Andrea Thompson | Modern Cents | Toronto | CFP, CRPC, CLU, CHS | Flat fee or retainer, Ongoing planning fee |
| Andrew Dobson | Objective Financial Partners Inc. | Markham | CFP, CIM | Flat fee or retainer, Hourly |
| Anna Golan-Reznick | Objective Financial Partners Inc. | Markham | CFP | Flat fee or retainer, Hourly |
| Brenda Hiscock | Objective Financial Partners | Toronto | CFP, RHU | Flat fee or retainer, Hourly |
| Hannah McVean | Objective Financial Partners | Markham | CFP, CIM | Flat fee or retainer, Hourly |
| Jason Heath | Objective Financial Partners Inc. | Markham | CFP | Flat fee or retainer, Hourly |
| Jeff McCartney | Objective Financial Partners Inc. | Markham | CFP, CFDS, MBA | Flat fee or retainer, Hourly |
| Julia Chung | Spring Financial Planning | Surrey | CFP, CLU, FEA | One-time planning fee, Ongoing planning fee |
| Lucas Wennersten | 49th Parallel Wealth Management, LLC | Scottsdale | CFP, CFA | Percentage of assets, Hourly |
| Nancy Grouni | Objective Financial Partners Inc. | Markham | CFP | Flat fee or retainer, Hourly |
| Ryan Kurtz | Objective Financial Partners Inc. | Markham | CPA, CFP | Flat fee or retainer, Hourly |
| Thuy (Twee) Lam | Objective Financial Partners | Markham | CFP | Flat fee or retainer, Hourly |
| Vikki Brown | Modern Cents | Mississauga | CFP, CRPC | Flat fee or retainer, Ongoing planning fee |
| Bryan Haggard | RetireMitten Financial LLC | Milford | CFA, CFP | Percentage of assets, One-time planning fee |
| Brandon Davies | Objective Financial Partners Inc. | Markham | CFP (Canada), CFP (U.S.), CIM, CLU | Flat fee or retainer, Hourly |
| Caroline Nalbantoglu | CNal Financial Planning Inc. | Montreal | C.Adm.F.P., CFP, RFP | Not listed |
| David Martin | Eltero Financial Partners Inc. | Halifax | FCSI, CIM, CFP (ret'd) | Flat fee or retainer, One-time planning fee |
| Karen Richardsdon | Spring Financial Planning | Kenora | QAFP | One-time planning fee, Ongoing planning fee |
| Lucas Wennersten | 49th Parallel Wealth Management | Vancouver | CFA, CFP (Canada), CFP (U.S.) | Percentage of assets, Hourly |
| Derek Moran | Smarter Financial Planning Ltd. | Kelowna | RFP | Not listed |
| Ajbinder Sull | Pacifica Partners | Surrey | CFA | Percentage of assets, Hourly |
| Amandeep Bhangu | Pacifica Partners | Surrey | CFA | Percentage of assets, Hourly |
| Damanjit Minhas | Pacifica Partners | Surrey | CFA | Percentage of assets, Hourly |
| Rosalie Hirst Almenara | Pacifica Partners | Surrey | CFA | Percentage of assets, Hourly |
| Thomas Holloway | Pacifica Partners | Calgary | CFA | Percentage of assets, Hourly |
| Dixie Klaibert | Beacon Hill Wealth Management | Victoria | CFA | Percentage of assets |
| Erik Thompson | Peerless Wealth | Columbus | Not listed | Percentage of assets, Hourly |
| Gregory Nakano | Pacifica Partners | Surrey | Not listed | Percentage of assets, Hourly |
| Naveen Gopal | Pacifica Partners | Surrey | Not listed | Percentage of assets, Hourly |
| Reuben Moldowan | Pacifica Partners | Surrey | Not listed | Percentage of assets, Hourly |
| Robert Pascarella | Peerless Wealth | Spring | Not listed | Percentage of assets, Hourly |
| Stephen Jimenez | Peerless Wealth | Columbus | Not listed | Percentage of assets, Hourly |
| Christopher Stooksbury | Beacon Hill Wealth Management | Victoria | Not listed | Percentage of assets |
| Evan Carey | Beacon Hill Wealth Management | Victoria | Not listed | Percentage of assets |
| Phillip Hogan | Beacon Hill Wealth Management | Victoria | Not listed | Percentage of assets |
| Xijian Zhang | Beacon Hill Wealth Management | Victoria | Not listed | Percentage of assets |
Guides
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How to find a cross-border financial advisor (US and Canada)
Few firms plan between the US and Canada as their main work. Here's where the fee-only specialists are, how to check they're registered on both sides, and what they charge.
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Cross-border financial advisors: how it works between Canada and the US
A cross-border plan has to work under two tax systems at once. Here's what changes on each side of the border, and what to look for in an advisor who can handle both.
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Financial planning for Canadian snowbirds
Spend about four months a year in the US and you can become a US tax resident by day count alone. Here's how the IRS counts, what keeps you a Canadian resident, and what US property does to your taxes and estate.
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Do I need a financial advisor in Canada?
Not for a simple situation you're happy running yourself. You likely do when CPP, OAS, RRIF or pension decisions arrive, and a fee-only plan costs a median C$1,900. If you hold mutual funds from a bank, you may already be paying for advice.
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What fee-only advisors charge in Canada
Canadian fee-only planners who publish prices charge a median C$1,900 for a one-time plan, C$250 an hour or C$2,300 a year for ongoing planning. The samples are small, so here's how to read them.
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Find a fee-only advisor near you
Every US state and Canadian province has a page in the public graph that lists the fee-only advisors who are based there or say they serve it. Here's how to search by place, and when an advisor in another city is the better choice.