Terry Ritchie (@tfritchie)

Why “Hypothetical Tax” Confuses Many Cross-Border Employees

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

Terry Ritchie

Terry Ritchie

@tfritchie

Apr 24

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Apr 23

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.

Terry Ritchie

Terry Ritchie

@tfritchie

Apr 10

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...

Made In Canada

Terry Ritchie retweeted

Made In Canada

@MadelnCanada

Mar 25

We should also put John Candy on our bills and call it the “Uncle Buck” 🤝🇨🇦

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2,898

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Terry Ritchie

Terry Ritchie

@tfritchie

Mar 6

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Mar 2

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.

Terry Ritchie

Terry Ritchie

@tfritchie

Feb 26

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Feb 26

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Feb 26

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Feb 26

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Jan 28

How the Canada Revenue Agency Taxes Cryptocurrency

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

Terry Ritchie

Terry Ritchie

@tfritchie

Jan 28

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Jan 15

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...

Terry Ritchie

Terry Ritchie

@tfritchie

Jan 13

Social Security Claiming Decisions for Married Couples Key Strategies, Timing Considerations, and...

Social Security Claiming Decisions for Married Couples Key Strategies, Timing Considerations, and Cross-Border Tax Impacts for U.S. Citizens in Canada- Cardinal Point Wealth Management want to know...

Terry Ritchie

Terry Ritchie

@tfritchie

4 Dec 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?- Cardinal Point Wealth Management want to know more...

Terry Ritchie

Terry Ritchie

@tfritchie

4 Dec 2025

Winter 2025 – 2026 Canadian Tax Highlights

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

Terry Ritchie

Terry Ritchie

@tfritchie

10 Nov 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...

Terry Ritchie

Terry Ritchie

@tfritchie

6 Nov 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...

Terry Ritchie

Terry Ritchie

@tfritchie

29 Oct 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...