Explore every episode of the podcast Snowbirds US Expats Radio Podcast
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Episode 97: The Great Return, Chapter 3: Why Your Money Needs Its Own Immigration Plan | 20 oct. 2026 | 00:22:32 | |
Moving back to Canada: what happens to your 401(k) and IRA? Gerry Scott, host of Snowbirds Expat Radio, swaps seats for this episode and becomes the guest. His friend ,Toronto Mike, steps into the interviewer role and walks him through Chapter 3 of The Great Return, a guide for Canadians moving home from the US that doubles as a first look at Canada for Americans heading north. The book review series was meant to feature a rotating cast of cross-border specialists, but schedules kept getting in the way, so the author took the chair himself. Chapter 3 is about what happens to your money when you cross the border. Gerry explains why a move home feels simple on paper but carries serious tax and regulatory consequences when the wrong people are advising. He covers the most common mistakes, what happens to 401(k)s, IRAs, and regular US investment accounts once you hold a Canadian address, why timing matters, and what a realistic checklist looks like. He also previews the healthcare coverage gap that returning Canadians can fall into, which gets its own deep dive in Chapter 7. The conversation opens with a short tribute to Canadian rocker Sass Jordan, and Gerry closes by explaining why the show has never been a do it yourself podcast: the right team in front of you matters more than any shortcut. What You’ll Learn
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| Replay Episode 83: When Snowbirds Fall in Love: Cross-Border Tax Traps Canadians Moving to the U.S. | 06 oct. 2026 | 00:27:11 | |
What happens to your RRSP, your home, and your retirement savings the moment you follow your heart across the border?
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| Episode 96: The Great Return: The Tax Traps Waiting for Canadians Moving Back Home | 22 sept. 2026 | 00:37:33 | |
Guest: Pat Fournier, JPS Accounting Services (Port Coquitlam, BC) You've decided to move back to Canada. You think the hard part is over. Gerry sits down with cross-border accountant Pat Fournier of JPS Accounting Services to walk through Chapter 2 of The Great Return, and the message is clear: leaving the US isn't something that just happens when you cross the border. It's something you have to prove, on paper, to two different tax authorities that don't talk to each other and won't figure it out for you. Pat has seen the mistakes up close, from Canadians who used a BC mailing address to open an investment account while still living full-time in the US, to returning residents who assumed their first year back gave them a free pass on foreign reporting. She and Gerry cover what actually triggers IRS and CRA recognition of a move, what happens to IRAs, 401(k)s, and Roth accounts when you cross the border, and why the T1135 form catches so many people off guard. What You'll Learn
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| Episode 95: What Canadian Green Card Holders Need to Know Before They Surrender Status | 08 sept. 2026 | 00:30:58 | |
Guest: Robert Clegg, CanadAmerican Tax Services Host: Gerry Scott Episode Overview A lot of Canadians who built a life in the United States assume that walking away from a green card is as simple as handing it back at the border. It is not. In this episode, Gerry sits down with cross-border tax specialist Robert Clegg of CanadAmerican Tax Services to unpack the U.S. Exit Tax, the rule that can turn a routine move back to Canada into a six-figure tax bill. Robert walks through how the IRS decides who counts as a covered expat, why the 8-out-of-15-year rule catches long-term green card holders off guard, and what really happens at the border when an officer decides your green card has been abandoned. Real client scenarios, including a near miss at the seven-year mark, illustrate just how much timing matters. Whether you are holding onto a green card out of habit, weighing citizenship, or planning your eventual return to Canada, this conversation lays out exactly what to check before you make a move. What You'll Learn
Resources & Links
This episode is for educational purposes only and does not constitute individualized tax, legal, or financial advice. Listeners should consult a qualified cross-border accountant, tax attorney, or financial advisor before making decisions about green card abandonment, U.S. citizenship, or a cross-border move. | |||
| Episode 94: Why Vancouver Island: Choosing Where to Land When You Move Back to Canada | 25 août 2026 | 00:31:14 | |
Gerry sits down with Denise Hodgins, a REALTOR® with eXp Realty who specializes in lifestyle-driven moves to Vancouver Island. Together they dig into why Nanoose Bay, Parksville and Qualicum Beach have become such a draw for Canadians heading home and Americans relocating north, and they unpack two of the biggest financial landmines buyers need to understand before they fall in love with a listing: the foreign buyer ban and the speculation and vacancy tax. What They Discussed Denise's background and her focus on lifestyle-driven real estate moves across Vancouver Island Canada's foreign buyer ban, set to expire January 1, 2027, and why industry analysts don't expect lifting it to move affordability much Why Vancouver Island keeps winning people over: pace of life, beach access, year-round golf, and a housing market that still offers relative value The speculation and vacancy tax, which areas are currently exempt (Nanaimo, Lantzville, Parksville, Qualicum, Nanoose, French Creek, Errington, Coombs, Bowser, Deep Bay), and why exemption boundaries can be easy to misread What the tax actually costs: potentially $45,000+ annually for foreign owners, with different rates for Canadian citizens and permanent residents Why buyers need a full cross-border team in place before they fall in love with a house: REALTOR®, immigration lawyer, cross-border tax accountant, and cross-border financial advisor A cautionary story about a client who trusted a charming but unqualified advisor, and what it cost to clean up afterward FIRPTA withholding on the sale of US property, and why the IRS holds back a portion of proceeds until you prove you don't owe tax A tour of Nanoose Bay's Fairwinds community: golf course, wellness centre, marina, and the new Pheasant Glen clubhouse coming this fall Trails and biking in the area, plus planned expansions connecting Top Ridge Park to Coombs Links & Resources Connect with Denise: https://www.bcislandhomes.ca/ The Great Return: Canadian's Guide to Moving Home from the US — letsmovetocanada.ca Canadians Heading South for the Winters — snowbirdsheadingsouth.com Track your cross-border travel days — snowbirdsusdaytracker.com | |||
| Lost Canadians, Legal Realities: What Accidental Citizenship Actually Means for Your Move | 12 août 2026 | 00:34:45 | |
Most people treat a Canadian-born grandparent as fun family trivia, not a legal pathway to citizenship. But thanks to a change in Canadian law, that old birth certificate could now be the key to citizenship, residency, and a new set of cross-border tax questions. That's the reality cross-border attorney Robert Clegg sees again and again, and it's what he unpacks in this episode. Robert returns from Victoria, BC to talk with Gerry about Canada's expanded "Lost Canadian" citizenship rules. Robert is a U.S. immigration and tax attorney based in Seattle and Victoria with 30+ years of cross-border experience. They dig into who qualifies, how to apply, and the realities of relocating to Vancouver Island. What You'll Learn:
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| Episode 92: The Great Return — Gerry’s New Book on Moving Home from the US | 28 juil. 2026 | 00:29:04 | |
Guest Host: Laura Garfield | Co-Founder, Idea Decanter | Guest: Gerry Scott You spent years building a life in the US - a green card, a career, maybe even citizenship. So what happens to your taxes, your investments, and your retirement accounts the moment you decide to move back home to Canada? The tables are turned this episode: Laura Garfield, co-founder of Idea Decanter, steps in as host to interview Gerry Scott about his brand new book, The Great Return: Canadian's Guide to Moving Home from the US. It's the companion to Gerry's first book, Canadians Heading South for the Winters, and this time it's written for the reverse journey - Canadians coming home after years in the US, and Americans making the move north. Gerry and Laura get into why this move feels deceptively easy (same language, similar culture) when in reality it means untangling two completely different tax systems, the CRA and the IRS. They cover exit tax and the difference between a covered and non-covered expat, why cross-border financial advisors can't legally follow clients across the border, and why DIY moves so often lead to expensive mistakes. Laura also shares her own cross-Canada train trip, and Gerry brings up the Lost Canadians genealogy angle for Americans who may already qualify for Canadian citizenship. What You'll Learn
Resources & Links The Great Return: Canadian's Guide to Moving Home from the US — letsmovetocanada.ca Canadians Heading South for the Winters — snowbirdsheadingsouth.com Snowbirds US DayTracker — snowbirdsusdaytracker.com | |||
| Episode: 91 Cross-Border Death and Taxes: Estate Planning for Canadians with US Assets | 14 juil. 2026 | 00:20:04 | |
Nobody wants to think about what happens to their Florida condo or Arizona snowbird home after they're gone. But if you're a Canadian with US property and you haven't planned for it, your family could be facing an audit, a probate mess, and tax consequences that were entirely avoidable. That's the reality cross-border tax attorney Alexey Manasuev sees again and again in his practice, and it's exactly what he unpacks in this episode. Alexey returns to the show from Tampa Bay to talk with Gerry about cross-border estate and tax planning for Canadian snowbirds. Alexey is a US tax attorney admitted in New York and DC, and the founder of US Tax IQ, a boutique firm focused exclusively on US international tax planning, compliance, and structuring. Together, Gerry and Alexey dig into what really happens when a Canadian passes away owning US real estate without a plan in place, and how to make sure that doesn't happen to you. What You'll Learn in This Episode Why proactive planning matters: Alexey explains how problems with US property often surface only after death, when probate alerts the IRS to gaps left decades earlier, turning what should have been a non-issue into an audit. US estate tax exposure for Canadian-owned property: how a Florida, Arizona, or other US property can trigger US estate and gift tax obligations for a Canadian owner, even without US citizenship or residency. Domicile vs. residency: why US estate and gift tax exposure is based on the legal concept of domicile, a facts-and-circumstances test built around intent, not the same as ordinary tax residency. The LLC trap: why an LLC structure that a local US advisor recommends for domestic buyers can create serious problems for Canadian owners on both sides of the border. One will or two: when a single will can work for a cross-border estate, and why a US power of attorney for incapacity and medical decisions is often more important than a second will. The 2026 estate tax exemption threshold: how the $15 million federal base exclusion amount taking effect in 2026 factors into planning decisions. Sell now or hold for the next generation: the shifting trend Alexey is seeing, with some families selling US property as they age while others hold on for the lifestyle and pass it down. Why "campfire advice" is dangerous: why casual, well-meaning tips from friends, neighbors, or a local advisor unfamiliar with cross-border rules can create costly problems, and why a paid consultation with a qualified cross-border tax professional pays for itself. Resources and Links Canadians Heading South for the Winters: What You Don't Know Will Hurt You, by Gerry Scott | |||
| Episode 90: You Might Already Be Canadian and Not Know It | 30 juin 2026 | 00:29:35 | |
If you have a Canadian ancestor somewhere in your family tree, you might not need to look very far back. A landmark change to Canadian citizenship law means that for millions of people, especially Americans, that ancestry could now open the door to a Canadian passport. And the person who can help you find that door is a genealogist. This week Gerry sits down with Sheila Hobeck, professional genealogist and founder of Kinalytic, based in Oakville, Ontario, to walk through what Bill C-3 actually means, how to document your Canadian lineage, and why DNA is rewriting family histories that paper records tried to keep buried. What You'll Learn in This Episode
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| Episode 89: The U.S. Exit Tax and the 8-Out-of-15-Year Rule | 16 juin 2026 | 00:29:11 | |
What Canadian Green Card Holders Need to Know Before They Surrender Status Guest: Robert Clegg, CanadAmerican Tax Services | Host: Gerry Scott Episode Overview A lot of Canadians who built a life in the United States assume that walking away from a green card is as simple as handing it back at the border. It is not. In this episode, Gerry sits down with cross-border tax specialist Robert Clegg of CanadAmerican Tax Services to unpack the U.S. Exit Tax, the rule that can turn a routine move back to Canada into a six-figure tax bill. Robert walks through how the IRS decides who counts as a covered expat, why the 8-out-of-15-year rule catches long-term green card holders off guard, and what really happens at the border when an officer decides your green card has been abandoned. Real client scenarios, including a near miss at the seven-year mark, illustrate just how much timing matters. Whether you are holding onto a green card out of habit, weighing citizenship, or planning your eventual return to Canada, this conversation lays out exactly what to check before you make a move. What You'll Learn
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| Episode 88: The Hidden Tax Shock: Selling Your US Property as a Canadian | 02 juin 2026 | 00:30:57 | |
If you bought a place in Arizona or Maui twenty years ago and never thought about what happens to it when you sell, or when you die, could it already be too late to avoid a tax shock you never saw coming? This week Gerry sits down with Robert M. Clegg, JD, LL.M, of CanadAmerican Tax Services, a dual Canadian and US cross-border tax specialist based on Vancouver Island, to walk through what really happens when a Canadian sells US real estate. From FIRPTA withholding and ITIN requirements to the currency trap and the long road of selling a property after an owner has died, this is the conversation to have before you let a realtor put the sign on the lawn. What You'll Learn in This Episode - Why your first call should be to a cross-border accountant, not the realtor, and how that single move takes the hidden tax shock off the table before the sign ever goes up - FIRPTA explained: how 10 to 15 percent of your gross sale price gets withheld up front, why California and Hawaii add their own layer on top, and why Arizona, Texas, and Nevada do not - Why each non-resident Canadian spouse must file a separate 1040NR with their own ITIN, and how escrow companies routinely get this wrong by issuing one withholding slip under a single number - The currency trap: how a weak Canadian dollar can turn a 700,000 US gain into a far bigger Canadian one, and why you need the exchange rate at purchase, at sale, and at every renovation - How the foreign tax credit stops you from being taxed twice, why only half your gain is taxable in Canada, and roughly what is left to pay the CRA once the US tax is credited - Why the 1031 like-kind exchange your realtor keeps recommending simply does not work for Canadians - What changes when parents pass away still owning the property, from the US estate return on assets over 60,000 to a clearance certificate that can take two to three years before you can sell Resources & Links
Note: the forms, thresholds, and rates discussed are general and reflect the conversation as recorded. Confirm your own situation with a cross-border tax professional and your Canadian accountant before selling. | |||
| Episode 87: Cross-Border Estate Planning: Wills, Exit Tax, and FIRPTA | 19 mai 2026 | 00:28:14 | |
If you bought a place in Palm Springs or Maui twenty years ago and never thought about what happens when you sell it — or when you die — is it too late to fix that? In this episode, Gerry sits down with Kevin Kirkpatrick of Bordera Tax and Immigration Law — a dual Canadian-US lawyer based in Seattle, with his main office in Calgary — to walk through the estate planning issues that catch Canadians off guard on both sides of the border. From US estate tax thresholds to the 8-of-15 green card rule to FIRPTA withholding on US property sales, this is the conversation to have before you assume your Canadian will is enough. What You’ll Learn in This Episode
Resources & Links Kevin Kirkpatrick — Bordera Tax and Immigration Law: bordera.ca FIRPTA Canada (Calgary-based FIRPTA specialists): firptacanada.com Track your days across the border: snowbirdsusdaytracker.com Canadians Heading South - Buy the Book: https://a.co/d/01Ryf45Z | |||
| Episode 86: What You Don't Know Will Hurt You - Gerry Scott's New Book for Canadian Snowbirds | 05 mai 2026 | 00:32:35 | |
Guest Host: Laura Garfield | Co-Founder, Idea Decanter You’ve been heading south for years and doing everything the same way. So why does it feel like the rules keep changing? This episode is a little different. Gerry’s producer Laura Garfield flips the script and puts Gerry in the hot seat to celebrate the launch of his brand new book: Canadians Heading South for the Winters — What You Don’t Know Will Hurt You. After eight years of fielding the same snowbird questions week after week, Gerry sat down and wrote the guide he’d always wished existed. This episode is the story behind that book — what it covers, why he wrote it, and why he believes no snowbird should be without it. What You’ll Learn
About the Book Canadians Heading South for the Winters — What You Don’t Know Will Hurt You Gerry Scott’s debut book is a practical reference guide covering the 10 most important topics every Canadian snowbird needs to understand before heading south — immigration, tax, healthcare, residency rules, day tracking, border crossings, and more. At 180+ pages, it’s built to sit beside you, not just be read once. Available now at www.snowbirdsheadingsouth.com. Resources
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| Episode 85: What Happens When You Leave Canada for the U.S.? | 22 avr. 2026 | 00:21:23 | |
What really happens to your money, your investments, and your tax obligations the moment you leave Canada for the United States? Gerry sits down with Kevin Heath of GTA Accounting to walk through what actually happens when Canadians exit Canada and become U.S. tax residents. From departure tax and deemed disposition to TFSA traps and state-level surprises, this is the conversation to have before your move becomes official on paper. • Why departure tax is triggered when you leave Canada and how deemed disposition forces you to report gains even if you have not sold anything• Which assets are included in departure tax calculations and why Canadian real estate and registered accounts are treated differently• How deferring departure tax works and when the CRA may require security before approving it• Why TFSAs lose their tax-free status in the U.S. and how mutual funds and ETFs inside them can create complex and costly reporting requirements• What PFIC rules are and why holding Canadian funds in the U.S. can trigger higher tax rates and steep penalties• How owning a Canadian corporation creates U.S. reporting obligations under Form 5471 and the penalties tied to getting it wrong• Why RRSPs are treated differently at the federal and state level and how states like California and Hawaii can tax growth inside the account• When it makes sense to liquidate investments before moving and start fresh in the U.S. with cash• How timing your move can impact whether your income or withdrawals are taxed in Canada, the U.S., or both• Why more Canadians are choosing to work in the U.S., from lower tax rates to currency advantages and broader career opportunities Resources and Links:GTA Accounting Snowbird US Day Tracker App: Available on the App Store and Google Play Coming Soon: The Snowbirds Expat Radio Book | |||
| Episode 84: Working in the Sun: What Canadian Digital Nomads Must Know About US Tax Rules | 07 avr. 2026 | 00:21:15 | |
Of all the conversations Gerry has about cross-border life, the ones involving Canadians who have quietly become US tax residents without realizing it are among the most urgent. In this episode, Gerry sits down with Karlene Mulraine of Brij Professional Corporation to walk through what Canadian digital nomads actually need to understand about working in the United States. From the rolling three-year calculation that catches even financially savvy Canadians off guard, to the sticky-state problem that can make double taxation impossible to avoid, to the very real cost of trying to file a cross-border return on your own, this is the conversation to have before your wanderlust makes the decision for you.
Karlene Mulraine - Brij Professional Corporation: https://brij.tax/ Snowbird US Day Tracker App: Available on the App Store and Google Play Coming Soon: The Snowbirds Expat Radio Book | |||
| Episode 83: When Snowbirds Fall in Love: Cross-Border Tax Traps Canadians Moving to the U.S. | 25 mars 2026 | 00:27:11 | |
What happens to your RRSP, your home, and your retirement savings the moment you follow your heart across the border? Of all the emails Gerry receives, the ones that concern him most come from snowbirds who've fallen in love with an American and are now making a permanent move south with their heart fully invested and their tax plan nowhere near ready. In this episode, Gerry sits down with Calgary-based US tax specialist Peter Blomfield to walk through the most common and costly mistakes Canadians make when transitioning from snowbird to U.S. resident. From departure tax to state-level RRSP exposure, from LLC pitfalls to the principal residence trap, this is the conversation to have before your heart makes the decision for you. What You'll Learn in This Episode
Email Peter: peter.blomfield@blomfieldtax.com Coming Soon: The Snowbirds Expat Radio Book | |||
| Episode 82: Cross-Border Tax Traps for Canadians & Americans | 10 mars 2026 | 00:19:59 | |
What happens to your U.S. investment accounts when you move to Canada or vice versa? In this episode, Gerry Scott sits down with returning guest Trent Robinson, a cross-border tax specialist at Buckberger & Partners in Saskatoon, to unpack the most common and costly mistakes people make when holding non-registered investment accounts across borders. From wrong tax slips to CRA audits arriving five years late, Trent breaks it all down in plain language. What You’ll Learn
About the Guest Trent Robinson is a partner at Buckberger & Partners, a full-service accounting firm based in Saskatoon, Saskatchewan. Trent specializes in cross-border tax for individuals and businesses moving between Canada and the United States, including U.S. tax return filing for U.S. citizens living in Canada, property sales, and dual-country compliance. He has been working in this space since 2008. Website: www.bbllp.ca | |||
| Episode 81: Cross-Border Tax Strategies for Americans in Canada & Canadians Working for U.S. Employers | 25 févr. 2026 | 00:23:49 | |
Host Gerry Scott sits down with Heather Sanders of Tax Junction, a cross-border personal tax specialist who helps U.S. citizens living in Canada and Canadians working for U.S. employers navigate the complexities of filing in two countries at once. With a practice built around real people in real cross-border situations, not corporations or trusts, Heather brings practical, ground-level insight into the mistakes that happen when employees move countries without thinking through the tax consequences first, and what it actually takes to get it right. Together, Gerry and Heather unpack some of the most misunderstood rules facing cross-border workers, including why "I just work from my home office" is never as simple as it sounds, and why the payroll question matters more than most people realize. In this conversation, they explore:
If you're living in Canada and working for a U.S. employer, considering a cross-border move, or simply trying to understand what compliance actually looks like for internationally mobile workers, this episode offers a frank and practical look at the planning that protects you and the mistakes that are far easier to avoid than to fix. | |||
| Episode 80: Working for a U.S. Employer While Living in Canada Retirement Plans Taxes and Cross Border Pitfalls | 11 févr. 2026 | 00:39:50 | |
In this episode of the Snowbirds Expat Radio, host Gerry Scott welcomes back cross border tax specialist Sharon Conrod of Hanson Tax LLC for a timely conversation on one of the most misunderstood cross border situations today Canadians living in Canada while working for U.S. employers. As more professionals take U.S. roles while residing north of the border questions around 401k plans IRAs RRSP room and treaty relief are becoming increasingly common and increasingly complex. Sharon explains how U.S. retirement plans are treated in Canada when deductions are available why tracking basis matters and where many people unknowingly create future tax issues. The discussion also explores remote work considerations employer matching crystallization strategies state level tax risks and why there is truly no one size fits all solution when families live and work across borders. What You Will Learn
Why This Episode MattersCross border work arrangements have grown significantly but the tax rules have not become any simpler. This episode highlights why working with experienced cross border professionals can help prevent costly mistakes both now and in the future. | |||
| Episode 79: Moving North: Why Canadians and Americans Are Heading Back to Canada | 27 janv. 2026 | 00:25:31 | |
In this episode of the Snowbirds Expat Radio Podcast, host Gerry Scott welcomes back returning guest Aaron Dawes, a cross-border personal tax expert with Smythe. While previous conversations focused on Canadians heading south, this discussion flips the script. With shifting economic, political, and lifestyle factors, more Canadians—and Americans—are now moving north, returning to or relocating to Canada despite weather, cost, and lifestyle tradeoffs. Aaron explains what’s driving this trend and what individuals need to consider before making the move, especially when it comes to cross-border tax exposure. In this conversation, Gerry and Aaron discuss:
With decades of experience handling U.S.–Canada personal tax matters, Aaron offers practical insights for snowbirds, expats, and globally mobile families navigating an increasingly complex cross-border landscape. If you’re considering a move—or a move back—this episode highlights why planning ahead matters more than ever. Spending time in the U.S.? Take the guesswork out of tracking your days. Download the Snowbirds U.S. Day Tracker app to monitor your stays, stay compliant, and avoid costly surprises at the border. Connect with Aaron Dawes | |||
| Episode 78: Leaving Canada: What 106,000 Departures Reveal About Tax, Residency & Exit Planning | 13 janv. 2026 | 00:26:19 | |
What does it really mean to leave Canada — and how do you know when you’ve crossed the line from spending time abroad to officially exiting? Host Gerry Scott sits down with Jennifer Reid CPA, CGA, TEP and Frank Casciaro of RSM, two cross-border tax specialists who advise Canadians navigating complex international lives — from snowbirds and dual citizens to executives, business owners, and globally mobile families. With deep experience in international tax and firsthand insight from working with clients before, during, and after a Canadian exit, Jen and Frank break down why leaving Canada is not just a lifestyle decision — it determines how your assets are taxed, what reporting obligations follow you, and where costly compliance mistakes often happen. Together, Gerry, Jen, and Frank unpack the realities behind some of the most misunderstood rules in Canadian departure planning, including why residency is rarely as simple as counting days or keeping a Canadian mailing address. In this conversation, they explore:
If you’re living, working, retiring, or investing outside Canada — or considering a permanent move — this episode offers a clear, practical look at what truly defines a Canadian exit and the planning steps that can save you from expensive surprises down the road. | |||
| Ep. 77 Tax Residency Between Canada and the U.S. : What Really Determines Where You’re Taxed | 30 déc. 2025 | 00:32:20 | |
What does it really mean to be a tax resident — and why do so many people accidentally get it wrong when moving between Canada and the United States? Host Gerry Scott sits down with Nicole Madaisky, a dual-licensed Canadian and U.S. CPA who specializes in complex cross-border lives — from snowbirds and dual citizens to professional athletes and globally mobile families. With deep experience in international tax and firsthand insight from working with clients on both sides of the border, Nicole breaks down why tax residency is not just a formality — it determines who gets to tax you, how much you owe, and where costly mistakes often happen. Together, Gerry and Nicole unpack the realities behind some of the most misunderstood rules in cross-border tax planning, including why residency is rarely as simple as counting days or holding a passport. In this conversation, they explore:
If you’re living, working, retiring, or even just spending extended time between Canada and the U.S., this episode offers a clear, practical look at the rules that matter most — and the planning steps that can save you from expensive surprises down the road. Get In touch with Nicole: https://www.nicolemadaiskycpa.com/ Spending time in the U.S.? Take the guesswork out of tracking your days. Download the Snowbirds U.S. Day Tracker app to monitor your stays, stay compliant, and avoid costly surprises at the border. | |||
| Episode 76: Exploring Maui Off the Beaten Path: A Private E-Mountain Bike Adventure | 06 déc. 2025 | 00:24:34 | |
In this episode of Snowbirds US Expats Radio Podcast, Gerry Scott speaks with Donnie Arnoult, an avid cyclist, local business owner, and passionate advocate for Maui’s natural beauty. Donnie is the founder of Maui Cyclery, a well-known bike shop in the town of Pāʻia, and a trusted name in Maui’s cycling community. With decades of experience riding on and off-road across the island, Donnie always dreamed of creating something more immersive — a way to share the untamed beauty of Maui with both visitors and locals in a sustainable, approachable way. That dream became reality with Emountain Bike Tour Maui: a guided e-bike experience that allows riders of all levels to explore hidden trails, soak in stunning ocean and volcano views, and encounter local wildlife — all while treading lightly on the land. Donnie’s deep love for Maui and cycling shines through in every tour. His mission is simple: to connect people with the land through the joy of riding. Spending time in the U.S.? Take the guesswork out of tracking your days. Download the Snowbirds U.S. Day Tracker app to monitor your stays, stay compliant, and avoid costly surprises at the border. | |||
| Episode 75: How prepared are you to move between Canada and the U.S. without running into immigration trouble? | 02 déc. 2025 | 00:42:32 | |
What actually happens when you try to move between Canada and the United States without a solid immigration plan — and why are so many families getting stuck, delayed, or denied? In this episode, Gerry Scott sits down with Evelyn Ackah, Founder of Ackah Business Immigration Law, to unpack why pre-immigration planning has become essential for Snowbirds, cross-border families, and professionals navigating life on both sides of the border. With more than 25 years of experience — and her own personal journey immigrating to Canada — Evelyn brings both expertise and heart to the conversation. She explains how immigration, tax, real estate, and family planning all intersect long before an application is ever filed. Gerry and Evelyn break down:
Evelyn’s insights make one thing clear: pre-planning isn’t optional anymore — it’s the key to keeping families together, avoiding financial surprises, and crossing borders with confidence.
Spending time in the U.S.? Take the guesswork out of tracking your days. Download the Snowbirds U.S. Day Tracker app to monitor your stays, stay compliant, and avoid costly surprises at the border. | |||
| Episode 74: Navigating Cross-Border Taxes for Athletes and Executives | 18 nov. 2025 | 00:35:59 | |
When professional athletes sign big contracts or executives relocate across borders, the tax implications can be as complex as the game itself. In this episode, Gerry Scott talks with David Silber, Partner at Crowe Soberman LLP, about how athletes and high-income earners structure their finances when moving between Canada and the United States. David leads the firm’s Sports and Entertainment Division, advising athletes in hockey, baseball, basketball, F1, tennis, golf, and more. He and his team help clients determine tax residency, manage multi-jurisdiction income, and build long-term financial strategies that protect their earnings. Gerry and David break down:
David also shares insights into signing bonuses, TFSA restrictions for U.S. residents, and why agents increasingly involve tax professionals before deals are finalized. Connect with David: https://www.linkedin.com/in/david-silber/ https://www.crowe.com/ca/crowesoberman/about-us/our-people/david-silber Spending time in the U.S.? Take the guesswork out of tracking your days. Download the Snowbirds U.S. Day Tracker app to monitor your stays, stay compliant, and avoid costly surprises at the border. | |||
| Episode 73: Principal Residence Rules Explained: What Cross-Border Homeowners Need to Know | 05 nov. 2025 | 00:24:52 | |
Can your U.S. vacation home qualify as your principal residence in Canada? Buying, selling, or co-owning a home across the U.S.–Canada border can create a web of unexpected tax implications — especially when both countries have their own rules about what qualifies as a principal residence. In this episode, Gerry Scott sits down with Karlene Mulraine, a cross-border tax specialist and founder of Brij Professional Corporation, to unpack how principal residence exemptions work on both sides of the border and how cross-border couples can plan smartly before making property decisions. Karlene, who recently earned her Master’s in Taxation from Golden Gate University, shares her insights on key filing requirements, capital gains rules, and the 2026 Canadian inclusion rate change that could impact future property sales. 🔍 Key Topics Covered
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| Episode 72: Dual Filing Demystified: What Americans Moving to Canada Need to Know | 21 oct. 2025 | 00:35:12 | |
What happens when an American moves to Canada? Dual filing is one of the most complex (and misunderstood) parts of cross-border life. To help unpack it, this episode of Snowbirds Expat Radio welcomes Robin Veenendaal, an independent CPA and member of SME, a professional network that connects and empowers accountants and lawyers across North America. With nearly two decades of experience supporting cross-border taxpayers, Robin explains what Americans and green card holders need to know when establishing residency in Canada — including the U.S. exit tax, dual-status filing, and how to avoid costly mistakes. Listeners will also hear:
Robin and Gerry also discuss the rise of the “backdoor Roth” strategy, the pitfalls of using outdated tax advice, and why having a plan before you land can make all the difference. Resources 📞 Learn more about Robin Veenendaal and SME: www.smesync.com | |||
| Episode 71: TFSA or Trouble? What Americans in Canada Need to Know | 07 oct. 2025 | 00:24:51 | |
Should an American living in Canada hold a TFSA—or avoid it? Ask 10 accountants and you might get 15 different answers. That’s why this episode of Snowbirds Expat Radio brings in cross-border tax expert Christa Walkden from 49th Parallel Tax. With nearly 30 years of experience in U.S. and Canadian taxation, Christa breaks down the complexities around Tax-Free Savings Accounts (TFSAs) for U.S. citizens in Canada. She explains the spectrum of filing positions, from the most conservative (treating the TFSA as a foreign trust with Form 3520 filings) to more practical approaches that rely on disclosure and income reporting. Listeners will also hear:
Christa and Gerry also touch on the hope that a future treaty update could treat TFSAs the same way Canada treats Roth IRAs—finally bringing clarity for cross-border families. Resources 📞 Learn more about Crista Walkden & 49th Parallel Tax: https://49ptax.ca/ | |||
| Episode 70: Take Your Money and… Come Home? Leaving Canada, Living Abroad, and Coming Back Again | 23 sept. 2025 | 00:41:04 | |
What does it mean to be a snowbird versus an expat? And in today’s uncertain cross-border environment, is Canada becoming the safer destination to return to? In this episode, Gerry Scott sits down with Alexander Doulis, author of the 1990s bestseller Take Your Money and Run, to revisit his bold ideas about leaving Canada, living abroad, and protecting wealth offshore. Together they explore how those strategies stack up in today’s climate of economic uncertainty, political change, and shifting real estate markets. Alex explains why he originally left Canada for Ireland and spent 15 years sailing around the world, why many snowbirds are now selling their U.S. properties, and why annuities and offshore trusts continue to play a role in retirement and asset protection. The conversation also touches on private healthcare, cross-border tax strategies such as Roth IRAs, and the enduring popularity of his books My Blue Haven, The Bonds Revenge, Decommissioned, and Tackling the Taxman. It’s a provocative, entertaining, and sometimes controversial discussion about wealth, residency, and the timeless search for certainty. Key Takeaways
Resources Mentioned
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| Episode 69: Pathways to U.S. Citizenship: What Canadians Need to Know | 09 sept. 2025 | 00:16:43 | |
What does it really take for a Canadian to live full-time in the United States? Can citizenship be passed down through a parent or even a grandparent? And what happens to your taxes if you suddenly discover you’ve been a U.S. citizen all along? In this episode, Gerry Scott welcomes back Robert Clegg, cross-border immigration and tax lawyer, to unravel the rules around U.S. citizenship and residency. Robert explains how derivative citizenship works, what documentation is required, and how the year of birth determines which statutes apply. He also walks through employer-sponsored visa options, the reality of holding dual citizenship, and why immigration planning must always be paired with tax planning. Listeners will hear how the IRS Streamlined Amnesty Program helps new U.S. citizens catch up on filings, how Canada’s departure tax can affect movers, and why younger Canadians often view the move south differently than retirees. Whether you’re exploring work opportunities, family ties, or lifestyle choices, this conversation offers a clear-eyed look at what it means to pursue U.S. citizenship as a Canadian. Website: https://clegglawgroup.com/about-us | |||
| Replay: Episode 62 How WEP Impacts Canadians Collecting CPP & U.S. Social Security | 26 août 2025 | 00:32:02 | |
We’re revisiting one of our most popular and practical episodes on Snowbirds Expat Radio—and if you’re a Canadian with ties to both CPP and U.S. Social Security, this one’s for you. Host Gerry Scott sits down with Sharon Conrod, CPA of Hanson Cross-Border Tax Professional Corporation, to break down the Windfall Elimination Provision (WEP)—what it is, why it exists, and how recent changes may affect Canadians planning for (or already in) retirement. You’ll also hear about the Government Pension Offset (GPO), the differences between the U.S. and Canadian retirement systems, and what these evolving rules mean for your financial planning across borders. ✅ Key Insights from this Episode:
If you split your working life between Canada and the U.S., this replay is packed with timely, need-to-know information to help you plan smarter for retirement. | |||
| Episode 68: Should You Renounce Your U.S. Citizenship? A Cross-Border Deep Dive | 12 août 2025 | 00:28:47 | |
Thinking of giving up your U.S. citizenship? You're not alone—and it's not as simple as it sounds. In this in-depth and timely conversation, Robert Clegg, Cross-Border Tax & Immigration Specialist from Clegg Law Group returns to the Snowbirds Expat Radio podcast to break down the emotional, financial, and legal factors behind renunciation, especially for Canadians who’ve lived in the U.S. or Americans now living abroad. We discuss:
Whether you're a dual citizen thinking of simplifying your tax life or a financial advisor guiding clients through international transitions, this episode is full of key insights. Contact Robert: https://clegglawgroup.com/home | |||
| REPLAY Episode 51: Expat Taxes, Tax Treaties & the Truth About Renouncing U.S. Citizenship | 29 juil. 2025 | 00:23:00 | |
Can living abroad come with unexpected tax consequences? Absolutely—and we’re bringing back one of our most informative conversations to prove it. In this replay episode of Snowbirds Expat Radio, host Gerry Scott sits down with Mike Wallace from Greenback Tax to unpack the complexities of U.S. expat taxes. Whether you're a seasoned snowbird, a new digital nomad, or simply living abroad part-time, this episode is a must-listen. Mike dives deep into tax treaties, IRS compliance, and the growing number of Americans exploring renunciation due to complicated filing obligations. From real-world scenarios to expert guidance, this conversation will help you avoid costly mistakes and gain peace of mind. 💡 Key Takeaways (Still As Relevant As Ever):
Whether you missed this episode the first time or need a refresher before your next tax season abroad, this replay delivers the clarity and expertise every expat needs. Resources: Michael Wallace on LinkedIn Greenback Tax Services Website | |||
| Episode 67: U.S. Registration Requirements for Canadian Snowbirds? | 15 juil. 2025 | 00:30:19 | |
Are Canadian Snowbirds at risk of breaking U.S. law? With new enforcement of a decades-old rule, Canadians staying more than 30 days in the U.S. are now being told to “register”—but what does that really mean? In this episode of the Snowbirds Expat Radio Podcast, Gerry Scott welcomes immigration lawyer Julia Herzog, of Herzog Legal, who breaks down the recent U.S. executive order and Canada’s updated travel advisory. They explore what this means for seasonal travelers, how to check your I-94 status, whether a Nexus card helps, and what to do if border agents ask to search your phone or laptop. You’ll learn:
🎧 Whether you’re headed to Florida, Arizona, or Hawaii this winter—or you're a cross-border commuter—this is a must-listen episode packed with practical advice from one of Canada’s most trusted cross-border experts. Guest: Julia Herzog, U.S. and Canadian Immigration Lawyer🎓 Licensed in both NY and British Columbia🌐 herzoglaw.ca | |||
| Episode 66: Cross-Border Car Accidents: What Canadians Need to Know | 01 juil. 2025 | 00:39:52 | |
What happens if you're a Canadian and get into a car accident in the U.S.? This episode is a must-listen for snowbirds, part-time residents, and anyone who drives across the border. Gerry Scott is joined again by personal injury lawyer Andrew Iacobelli, whose cross-border legal expertise helps Canadians navigate the often-confusing world of U.S. auto accidents, insurance claims, and litigation. From the importance of underinsured motorist coverage to how fast U.S. litigation can move compared to Canada, Andrew breaks down what to do immediately after a crash, what evidence to collect, and why you should never sign a release form without legal advice. He also explains why Americans injured in Canada may have the advantage—and what every Canadian traveler should keep in their glovebox (spoiler: it’s his book!). Whether you're road-tripping through Florida, spending your winters in Arizona, or just curious about what your insurance actually covers—you’ll want to take notes. 🧠 Key Takeaways:
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| Episode 65: Costly Mistakes with Cross-Border Taxes To Avoid | 10 juin 2025 | 00:26:16 | |
If you’re a U.S. citizen living in Canada—or a Canadian with U.S. ties—are you clear on your tax obligations? The answer could be more complicated than you think. Gerry Scott sits down with cross-border tax attorney Alexey Manasuev from U.S. Tax IQ, to unpack what you really need to know about U.S. and Canadian tax obligations. From foreign retirement accounts to FBAR requirements and residency status, this conversation is packed with insights that could save you thousands—and a major compliance headache. Key Takeaways:
Whether you're spending a few months in the U.S., managing dual citizenship, or running a cross-border business, this episode offers clarity in a complicated space. 🎧 Tune in now at snowbirdsusdaytracker.com or wherever you get your podcasts. #Snowbirds #CrossBorderTax #USCanadaTax #ExpatPlanning #RetirementTaxes #GerryScott #AlexeyManasuev #SnowbirdsExpatRadio #FBAR #TaxResidency #RaymondJamesCanada #SnowbirdsUSDayTracker | |||
| Episode 64: Selling U.S. Property as a Canadian: What You Need to Know | 27 mai 2025 | 00:35:47 | |
What really happens when a Canadian sells property in the U.S.—and how do you avoid unexpected tax surprises? In this episode of Snowbirds Expat Radio, host Gerry Scott welcomes cross-border tax professional Steven Flynn to discuss the growing trend of Canadians selling real estate in the U.S., particularly in sunny destinations like Florida and Arizona. They break down the key tax implications, from federal withholding rules to state-specific obligations, and explain why Canadians need to file U.S. tax returns to reclaim overpaid taxes. The conversation also highlights the importance of foreign tax credits, how estate sales are handled, and why pre-sale planning can make all the difference. Whether you're actively selling or just starting to explore the process, this episode offers practical insight to help you prepare and protect your financial interests. Key Takeaways: ✅ Growing Trend: More Canadians are choosing to sell their U.S. properties due to lifestyle and financial changes. ✅ Federal Withholding Applies: The IRS withholds a portion of the sale price from non-resident sellers. ✅ State Tax Rules Vary: Tax responsibilities can differ significantly from state to state. ✅ Tax Filing Required: Canadians must file a U.S. tax return to report the sale and request refunds. ✅ Foreign Tax Credits Help: These credits can reduce or eliminate double taxation between Canada and the U.S. ✅ Estate Sales Follow Similar Rules: Estates must also comply with U.S. tax filing and withholding requirements. ✅ Plan Before You Sell: Early tax planning can help avoid surprises and maximize your net proceeds. ✅ IRS ID Requirements: Sellers may need to obtain a U.S. tax identification number. ✅ Refunds Can Be Lost: Missing tax filing deadlines may result in forfeiting refunds. ✅ Professional Help Makes a Difference: Having the right guidance can simplify a complex process. 🎧 Tune in now on your favorite podcast platform for an informative look at cross-border property sales. 🔗 Subscribe to Snowbirds Expat Radio for more conversations on real estate, taxes, and expat living. 📢 Questions or comments? We’d love to hear from you!#Snowbirds #CanadianInUSA #USTaxForCanadians #CrossBorderLiving #RealEstateAbroad | |||
| Tariffs, Trade, and the Snowbird Economy | 13 mai 2025 | 00:29:25 | |
How do rising tariffs between the U.S. and Canada really impact your wallet—and your winter lifestyle? In this episode, host Gerry Scott welcomes international trade and tax professional, Dan Kiselbach of Miller Thomson to break down what snowbirds and Canadian retirees need to know about the shifting trade landscape. From the price of beer to cross-border legal protections, this conversation unpacks the real-life implications of tariffs, currency instability, and political shifts. Whether you winter in Florida or invest across borders, this episode offers valuable insight on protecting your financial future. Key Takeaways:
🎧 Tune in now to stay informed—and stay prepared. #SnowbirdExpatRadio #TariffTalk #CrossBorderLiving #SmartSnowbirding | |||
| Vancouver Gerry and Toronto Mike Discuss the 2025 Canadian Election | 30 avr. 2025 | 00:29:11 | |
Gerry Scott and Toronto Mike discuss the 2025 Canadian federal election, how the country came to be so divided, and what should be done to unite the true north strong and free. | |||
| Episode 62: What Canadians Need to Know About WEP and U.S. Social Security | 29 avr. 2025 | 00:32:02 | |
How does the Windfall Elimination Provision affect Canadians collecting both CPP and U.S. Social Security—and what’s changing? In this episode of Snowbirds Expat Radio, host Gerry Scott is joined by guest Sharon Conrod, CPA of Hanson Cross-border Tax Professional Corporation for an in-depth conversation about the Windfall Elimination Provision (WEP) and its implications for cross-border retirees. Together, they explore the history of WEP, recent updates, and how these changes may benefit Canadians who have worked in both countries. The discussion also touches on the Government Pension Offset (GPO), the differences between U.S. and Canadian retirement systems, and the importance of understanding how these policies intersect. If you're planning your retirement across borders—or already collecting benefits—this episode provides timely insight into how these evolving rules may impact your financial planning. Key Takeaways:
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| Cross-Border Inheritance: What Canadian Beneficiaries Need to Know | 15 avr. 2025 | 00:20:40 | |
In this episode, host Gerry Scott is joined once again by Aaron Dawes, a cross-border tax specialist with Smythe LLP, for Part 2 of their discussion on estate planning across the U.S.-Canada border. This conversation dives into the complexities that arise when Canadian children inherit assets from American parents—a growing issue in cross-border wealth management. Aaron breaks down the tax implications, planning considerations, and often-overlooked pitfalls families face when navigating real estate, IRAs, cash inheritances, and U.S. estate tax rules. He also emphasizes the critical role of cross-border tax advisors and estate lawyers in avoiding delays, penalties, or double taxation. 👉 If you haven’t already, check out Part 1 for the U.S. perspective on cross-border inheritance and key foundational insights. What You’ll Learn in Part 2:
This is an essential listen for anyone managing assets across borders, navigating family inheritance, or helping clients prepare for a smooth generational transfer. | |||
| Episode 60: U.S. Beneficiaries Inheriting Canadian Assets: What You Need to Know | 01 avr. 2025 | 00:22:55 | |
Ever wondered what really happens when a U.S. citizen inherits assets from their Canadian parents? Spoiler: it's not as simple as you’d think. In today’s episode, host Gerry Scott sits down with Aaron Dawes, cross-border tax expert from Smythe LLP, to unpack the increasingly common—but often misunderstood—scenario of U.S. individuals inheriting Canadian assets. With more families living cross-border lifestyles and adult children relocating south, questions around tax, compliance, and estate planning have taken on a whole new level of complexity. Aaron breaks down what Americans need to know when it comes to Canadian inheritances—covering everything from brokerage accounts and real estate to RRSPs and even mutual funds (hello, PFIC reporting!). He also shares important guidance for Canadian parents who want to ensure their U.S.-based children don’t end up tangled in unnecessary tax trouble. Plus, they touch on the rise of dual-country living, why California residents often get the short end of the treaty stick, and what both sides of the border can do to minimize the risk of double taxation. Whether you're the beneficiary, the planner, or somewhere in between, this episode will give you a better understanding of the tax landscape and how to protect your assets—and your sanity. Key Takeaways:
About the Guest: Aaron Dawes, CPA, is a partner at Smythe LLP, a British Columbia-based accounting firm with offices in Vancouver, Langley, and Nanaimo. Specializing in U.S.-Canada cross-border taxation, Aaron works closely with families and business owners navigating complex estate, income, and compliance matters across borders. Next Episode Teaser: Stay tuned for part two, where we flip the script: What Canadian beneficiaries need to know when inheriting from U.S. parents—especially when irrevocable trusts come into play.🔗 Helpful Links:
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| Episode 59: The Cross-Border Estate & Tax Mistakes Canadians Can’t Afford to Make | 18 mars 2025 | 00:31:40 | |
What happens to your estate and taxes if you’re a Canadian living in the U.S.? 🤔 Many people assume their Canadian will and financial plans will carry over—but cross-border estate and tax laws are far more complicated than they seem. In this episode, Gerry Scott sits down with Carol Sadler, a cross-border tax professional from Achen Henderson, to break down the biggest financial, legal, and tax mistakes Canadians make when moving to the U.S.—and how to avoid them. They discuss: ✅ Residency & Tax Rules – Why “where your feet are” matters for Canadian tax status. ✅ Estate Planning Pitfalls – Why keeping only a Canadian will could create major legal delays in the U.S. ✅ Cross-Border Executor Issues – Can your Canadian kids legally settle your U.S. estate? ✅ U.S. Estate Tax Risks – How high-net-worth individuals can reduce tax exposure. ✅ Banking & Financial Hurdles – Why opening U.S. estate accounts is harder than you think. ✅ The #1 Legal Document Every Snowbird Needs in the U.S. From common estate pitfalls to practical tax solutions, this episode is packed with expert insights to help Canadians navigate cross-border financial life with confidence. 📌 Want to avoid tax surprises? Download the Snowbirds US Day Tracker App to track your days in the U.S. and stay compliant with immigration and tax rules. | |||
| The Net Investment Income Tax & Its Impact on U.S. Expats in Canada | 04 mars 2025 | 00:33:43 | |
In this episode of Snowbirds Expat Radio, host Gerry Scott sits down with tax expert Robert Clegg to unpack the Net Investment Income Tax (NIIT) and how it affects American expatriates—particularly those living in Canada. They explore how this tax applies to real estate transactions, investment income, and the risk of double taxation, as well as the latest updates on foreign tax credits and tax treaties. Robert also provides insights into the complex process of renouncing U.S. citizenship, explaining both the legal and tax considerations. With recent court rulings potentially altering foreign tax credit applications, this episode is a must-listen for expats looking to navigate U.S. tax laws effectively. Key Takeaways: ✅ What is the NIIT? – The Net Investment Income Tax applies to passive income, including real estate sales and investment gains. ✅ Double Taxation Risks – U.S. citizens in Canada may face double taxation, as foreign tax credits do not currently apply to NIIT under IRS rules. ✅ Real Estate & NIIT – The sale of real property is considered passive income, making it subject to NIIT taxation. ✅ Foreign Tax Credits & Court Rulings – While NIIT does not qualify for foreign tax credits, recent legal decisions may change how the tax is applied to expats. ✅ Renouncing U.S. Citizenship – Robert explains why the process is becoming more complex and requires careful tax and immigration planning. ✅ Tax Treaties & Expats – Tax treaties between the U.S. and Canada help reduce double taxation, but gaps still exist, especially for investment income. ✅ Why Was NIIT Introduced? – Originally implemented to fund healthcare subsidies under the Affordable Care Act, NIIT has had unintended tax consequences for expats. | |||
| Episode 57: Navigating Cross-Border Legal Challenges: What Canadians Need to Know | 18 févr. 2025 | 00:32:15 | |
What would you do if you got into an accident while driving in the U.S.? Would your Canadian insurance cover you? Do you know your legal rights? In this episode of Snowbirds Expat Radio, host Gerry Scott sits down with cross-border personal injury lawyer Andrew Iacobelli to break down the complexities of legal issues faced by Canadians traveling to the United States. They explore key differences between the Canadian and American legal systems, how insurance policies work across borders, and the most common mistakes Canadians make when dealing with accidents abroad. Andrew shares expert advice on underinsured motorist coverage, travel health insurance, and how public adjusters handle claims in the U.S. Key Takeaways: ✅ Canadians need to understand their legal rights when traveling in the U.S. ✅ Damage awards in the U.S. are significantly different from those in Canada. ✅ Renting a car in the U.S. can create unexpected insurance complications. ✅ No-fault insurance in British Columbia has specific implications for travelers .✅ The majority of legal inquiries from Canadians involve car accidents. ✅ Underinsured motorist coverage is often overlooked but crucial. ✅ Misconceptions about legal support can lead to poor decisions post-accident. ✅ Travel health insurance is essential for Canadians visiting the U.S. ✅ Owning a car in the U.S. can limit rights under Canadian insurance policies. ✅ Public adjusters play a key role in property damage claims in the U.S., unlike in Canada. Why This Matters for Snowbirds & Expats: If you travel frequently between Canada and the U.S., understanding these legal and insurance nuances can help you avoid costly mistakes and ensure you’re adequately protected. Whether you’re renting a car, dealing with an accident, or navigating an insurance claim, this episode provides crucial insights to keep you informed and prepared. | |||
| Episode 56: Navigating Cross-Border Estate & Death Taxes | 04 févr. 2025 | 00:24:04 | |
In this episode, host Gerry Scott is joined by Carol Sadler, CPA from Achen Henderson CPAs to break down the complexities of estate and death taxes for Canadians with U.S. ties. They explore the differences between Canada’s death tax and the U.S. estate tax, the importance of final returns, and the role of trusts in estate planning. The discussion also covers the challenges of managing estates in blended families and why professional guidance is crucial for navigating cross-border tax implications. Canada doesn’t have an estate tax, but a deemed disposition of assets at death may trigger capital gains taxes. All income up to the date of death must be included in the final tax return, and an estate tax return is required for any ongoing estate administration. U.S. individuals dealing with foreign trusts may face added tax complications, particularly with Passive Foreign Investment Company (PFIC) rules affecting certain trusts and mutual funds. Estate distributions also require clearance certificates from the Canada Revenue Agency (CRA) to ensure all taxes are settled before assets can be transferred to beneficiaries. Carol explains how trusts can be powerful tools, especially for blended families, allowing for structured asset management while minimizing tax burdens. However, improper distributions can lead to unintended tax consequences, making professional advice essential for compliance and long-term planning. | |||
| Tax Strategies Every Snowbird Needs to Know: Navigating the 183-Day Rule and Beyond | 21 janv. 2025 | 00:27:57 | |
In this episode of the Snowbirds Expat Radio Podcast, hosts Gerry Scott, Kirill Chistyakov, and Logan Cerelli-Lough dive deep into the intricacies of cross-border taxation for snowbirds. They cover essential topics like the 183-day rule, the Substantial Presence Test, and the importance of filing the 8840 form for U.S. tax compliance. The hosts discuss the impact of exceeding the 183-day threshold, maintaining closer ties to Canada, and best practices for filing tax forms with the IRS. They also highlight the importance of tracking days, foreign asset disclosure, and the unique challenges Americans living in Canada face. Key Takeaways: - The 183-day rule is crucial for determining tax residency. - Filing the 8840 form is a must for snowbirds to maintain tax status. - The IRS does not notify receipt of forms, only issues. Keep records for peace of mind. - Every state in the U.S. has its own tax rules—be sure to stay informed. - I am professional help for complex tax issues. - The 12-month rolling calendar is important for immigration status and tax implications. - Foreign asset disclosure is a priority for the IRS. - Track your days carefully to avoid unintended tax consequences. - Understanding tax implications is key to a stress-free, compliant cross-border lifestyle. Tune in for all the insights you need to navigate the complexities of cross-border taxation! | |||
| The Intricacies of Controlled Foreign Corporations | 08 janv. 2025 | 00:24:18 | |
Can Canadian Shareholders in U.S. Corporations Avoid Costly Tax Pitfalls?In this episode, Gerry Scott is joined by Alessandro Setola of Baker Tilly GWD LLP to explore the complexities of cross-border taxation. The discussion centers on the unique challenges faced by Canadian shareholders with stakes in U.S. corporations, particularly the implications of Controlled Foreign Corporations (CFCs) and the severe penalties for non-compliance. Alessandro highlights how Baker Tilly GWD LLP helps clients successfully navigate these intricate tax regulations and avoid financial missteps. The conversation also covers the impact of phantom income, the importance of understanding the Canada-U.S. tax treaty, and the critical role of professional guidance in managing cross-border tax obligations. Key Takeaways:
This episode offers valuable insights and practical advice for Canadian shareholders looking to manage the complexities of U.S. taxation effectively. | |||
| Navigating Cross-Border Shipping and Customs Regulations | 11 déc. 2024 | 00:24:35 | |
In this episode of the Snowbirds Expat Radio Podcast, hosts Gerry Scott chats with Terra Estep, and Ed Schmidt from PCB Freight to unpack the complexities of shipping pets and vehicles between Canada and the United States. Whether you're a seasoned snowbird or preparing for your first cross-border adventure, this episode is packed with practical advice to simplify the process. From understanding quarantine regulations for pets (including service animals) to navigating customs and import duties for vehicles and household goods, this conversation covers everything you need to know. The hosts also discuss the critical role of customs brokers in ensuring compliance and how political changes can affect tariffs and customs processes. Listen and Learn:
Tune in to gain the knowledge you need to navigate the intricacies of cross-border shipping with ease. Whether you're relocating, snowbirding, or planning a long-term stay, this episode has you covered! | |||
| The Complexities of Moving Abroad: Tax Considerations | 22 nov. 2024 | 00:27:23 | |
Moving abroad can be an exciting adventure, but it also comes with complex financial and tax implications. In this episode, we sit down with Francheska Pimentel, an international tax expert and Partner at KLR, to explore the critical considerations for individuals relocating overseas. From understanding double taxation to navigating exit taxes, Francheska provides a comprehensive look at the intricacies of international tax planning.Whether you’re contemplating expatriation or managing real estate income as an expat, this conversation offers practical advice and valuable insights for staying compliant and minimizing tax exposure. Francheska also highlights the growing trend of U.S. citizens renouncing their citizenship and how political changes can influence tax strategies. Key Topics Discussed:
Takeaways:
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