🌎 Cross-Border Guidance You Can Trust
Does This Sound Like You? Gary came into the office with a problem I see often. Gary is a Canadian citizen, but as an engineer, his company sent him to work in Texas for a 3-month assignment. Gary is still on his “3-month assignment” twenty years later in Texas. Now, Gary is approaching retirement and trying to navigate the cross-border planning maze. For Gary, the cross-border acronyms were overwhelming: CPP, OAS, RRSP, IRA, 401(k). Gary had another problem: finding a financial planner to help him. The issue wasn’t that Gary didn’t have a financial planner. He actually had two: one in Texas, who helped with his U.S. assets, and one in Ontario, who helped with his Canadian assets. The issue was that Gary was paying two financial advisors and not getting the advice he needed.
Simplify Your Cross-Border Retirement
We helped Gary create a retirement income plan based on his Canadian and U.S. assets and benefits. We developed a distribution strategy from his Canadian RRSP to help minimize taxes. We created a social security and Canadian pension strategy that maximized his income. Last, we helped him collect Canadian Benefits he didn’t even know he qualified for. Ultimately, we helped Gary maximize all of his U.S. and Canadian income in retirement and stopped worrying that he was missing out. Most importantly, we helped Gary feel comfortable about his transition into retirement.
Why Work With Us?
✅ Expertise in U.S.-Canada Tax and Retirement Systems
We understand the nuances of the IRS, CRA, and how to optimize benefits from both countries.
✅ Maximize Cross-Border Retirement Benefits
We guide you through Social Security, Canada Pension Plan, and Old Age Security strategies—so you get the most out of every system.
✅ Tax-Efficient Investment & Withdrawal Strategies
From Canadian RRSPs and LIRAs to U.S. IRAs and 401(k)s—we ensure your assets work together, not against each other, for a comfortable retirement.
✅ Estate & Insurance Planning Across Borders
Your legacy matters. We help you plan for both sides of the border.
Our 5-Step Planning Process
Meeting 1: Goal Setting + RightCapital Onboarding
We start by understanding your goals and introducing our planning platform, RightCapital, where you’ll see your complete financial picture in one place.
Meeting 2: Plan Review + Scenario Modeling
We review your personalized financial plan and test various life scenarios, such as retirement age and spending levels. You’ll also see which Social Security, CPP, and OAS strategies work best for your future.
Meeting 3: Cross-Border Tax & Cash Flow Planning
Whether you’re saving for retirement or drawing from it, we help you structure your cash flow and withdrawals to minimize long-term taxes. We also address exit strategies for Canadians planning to return home.
Meeting 4: Investment Strategy & Risk Alignment
After assessing your risk tolerance, we align your investments with your goals and create a tailored Investment Policy Statement (IPS).
Meeting 5: Insurance & Estate Planning
We review your insurance needs and your estate plan, addressing the complexities of having assets and beneficiaries in both countries.
What Our Clients Say
“I can’t say enough about how much RetireMitten has done to help us navigate the complex financial situation that we have as Canadians living in the US. They’ve been an indispensable resource (and great to work with) as we’re starting to consider our retirement options.”
— Mike F. (Massachusets)
Pam and I have been in US for 21 years. RetireMitten’s advice and retirement planning has been invaluable! Thank you RetireMitten!
— Larry A. (North Carolina)
Ready to Feel Financially Secure—on Both Sides of the Border?
📅 Schedule Your Free Introductory Meeting
No pressure. Just expert guidance and a clear plan forward.
👉 Book Your Complimentary Consultation Here: