About this episode

This episode discusses the financial and tax implications for Americans moving to Canada in 2026, featuring insights from a dual citizen expert.

US retirement accounts, estate plans, and investment structures do not automatically survive a move to Canada. The two countries share a border and a language but operate under entirely separate financial and tax systems; and the decisions made before you leave determine whether your existing structures are protected or become expensive problems. In this episode, Arielle Tucker, CFP®, EA sits down with Brian Wruk, MBA, CFP® (US), CFP® (Canada), TEP, CIM, RFP® , founder of Transition Financial Advisors Group and author of The American in Canada. Brian is a dual citizen who moved his American wife to Canada, navigated the compliance requirements firsthand, and has been doing US-Canada cross-border planning since 1997. Topics covered, include: Why moving to Canada does not end your US tax obligations The Roth IRA rules that can protect your retirement savings across the border The TFSA trap that creates phantom US taxable income How revocable living trusts can trigger Canadian taxes What Canadian healthcare actually looks like in 2026, including 3-year waits for a primary care physician in Ontario How to plan for retirement across two countries The one thing Brian tells every client…

People in this episode

Host: Arielle Tucker

Guest: Brian Wruk

Topics covered

• US-Canada cross-border planning
• tax obligations
• retirement savings
• healthcare in Canada
• financial structures
• investment planning

Keywords

• taxes
• healthcare
• retirement accounts
• Roth IRA
• TFSA
• living trusts
• cross-border planning

Mentioned in this episode

Organizations: Transition Financial Advisors Group

Books & works: The American in Canada

Places: Canada, United States

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• Moving to Germany: Expat Taxes, Visas, and Money Tips · March 31, 2026 · 28 min
• Retiring Abroad: Hidden Tax and Currency Risks for Americans · March 24, 2026 · 29 min
• How Americans Can Move to Spain: Visas, Taxes, and Planning · March 17, 2026 · 31 min

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