Terry Ritchie (@tfritchie) profile picture

Terry Ritchie

@tfritchie

Canada/US financial, tax and estate planner. Co-author of 3 Personal Finance Books on US/Canada Tax & Finance. https://nitter.cf/t.co/Po8xMiTQDn

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Joined September 2007
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Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)Photo by Terry Ritchie (@tfritchie)
cardinalpointwealth.com/2026…
Why “Hypothetical Tax” Confuses Many Cross-Border Employees

Why “Hypothetical Tax” Confuses Many Cross-Border Employees

Why “Hypothetical Tax” Confuses Many Cross-Border Employees- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2026…
California Residents: Are Your RRSPs Being Tax-Managed?

California Residents: Are Your RRSPs Being Tax-Managed?

California residents who hold Canadian retirement accounts such as RRSPs and RRIFs face a unique tax challenge: while these accounts may remain tax-deferred at the U.S. federal level, California...

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cardinalpointwealth.com/2026…
RRSP Withdrawals and Tax Planning for Canadians Moving to the U.S.

RRSP Withdrawals and Tax Planning for Canadians Moving to the U.S.

Understand RRSP withdrawal tax rules for non-residents of Canada. Learn about treaty benefits, withholding rates, and cross-border tax planning.

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cardinalpointwealth.com/2026…

U.S. Taxation of Your Canadian Rental Property

Renting out a Canadian home after moving to the U.S. can provide income and flexibility, but it introduces cross-border tax complexity. Canada retains primary taxing rights on rental income and...

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Terry Ritchie retweeted
Made In Canada (@MadelnCanada) profile picture
Made In Canada
@MadelnCanadaMar 25
We should also put John Candy on our bills and call it the “Uncle Buck” 🤝🇨🇦
Image from Made In Canada (@MadelnCanada)
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cardinalpointwealth.com/2026…

Inflation Rates in Financial Planning: What Your Planner Is Actually Doing (and Why It Matters)

Inflation is not just a headline statistic; it is the long-term change in the cost of your lifestyle. While official measures like CPI and PCE provide useful benchmarks, every household experiences...

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cardinalpointwealth.com/2026…

Using a Roth IRA for Cryptocurrency: Structure, Risk, and Cross-Border Considerations

Using a Roth IRA for cryptocurrency can offer tax-efficient exposure to a high-volatility asset class, particularly if long-term appreciation occurs within the Roth wrapper.

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cardinalpointwealth.com/2026…
Jeff Adema: What to do with your 401k when living in Canada

Jeff Adema: What to do with your 401k when living in Canada

Jeff Adema: What to do with your 401k when living in Canada- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2026…
U.S. Immigration and Tax Issues Canadians Need to Understand in 2026

U.S. Immigration and Tax Issues Canadians Need to Understand in 2026

U.S. Immigration and Tax Issues Canadians Need to Understand in 2026- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2026…

Strategic RRIF and IRA Withdrawals: Reducing Lifetime Taxes, OAS Clawbacks, and Estate Risk

Strategic RRIF and IRA Withdrawals: Reducing Lifetime Taxes, OAS Clawbacks, and Estate Risk- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2026…
Vehicles for Cross-Border Clients: Purchasing in Florida, Importing to Canada, and Driving Back and...

Vehicles for Cross-Border Clients: Purchasing in Florida, Importing to Canada, and Driving Back and...

For Canadian snowbirds and cross-border families, importing a vehicle from the U.S. to Canada can be both practical and cost-effective. The process requires compliance with U.S. vehicle export...

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cardinalpointwealth.com/2026…

How the Canada Revenue Agency Taxes Cryptocurrency

How the Canada Revenue Agency Taxes Cryptocurrency- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2026…

Trump Accounts Explained – A New U.S. Savings Vehicle, and Why Cross-Border Families Must Be Careful

Trump Accounts Explained – A New U.S. Savings Vehicle, and Why Cross-Border Families Must Be Careful- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2026…

How Cross-Border Financial Literacy Builds a Stronger Family Legacy

How Cross-Border Financial Literacy Builds a Stronger Family Legacy- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2025…
What’s New for your 2025 and 2026 U.S. Tax Returns?

What’s New for your 2025 and 2026 U.S. Tax Returns?

What’s New for your 2025 and 2026 U.S. Tax Returns?- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2025…
Winter 2025 – 2026 Canadian Tax Highlights

Winter 2025 – 2026 Canadian Tax Highlights

Winter 2025 – 2026 Canadian Tax Highlights- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2025…

Understanding Form T1135 – Reporting Rules, Penalties, and the Due Diligence Standard for Cross-B...

Understanding Form T1135 – Reporting Rules, Penalties, and the Due Diligence Standard for Cross-Border Investors- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2025…

Navigating Cross-Border Pension Portability: A Guide for Canadians and Americans on the Move

Navigating Cross-Border Pension Portability: A Guide for Canadians and Americans on the Move- Cardinal Point Wealth Management want to know more...

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cardinalpointwealth.com/2025…

Breaking Up Across Borders: How Binational Couples Handle Retirement Accounts

Breaking Up Across Borders: How Binational Couples Handle Retirement Accounts- Cardinal Point Wealth Management want to know more...

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