Without a comprehensive cross-border financial plan, you could end up overpaying your taxes or losing access to your state-side investments.
You don’t know what you don’t know, and this transition can feel complex and overwhelming. But when working with dual-licensed financial advisors, you don’t have to worry about your cross-border financial picture.
You’ll be covered in both countries no matter where you live.
While some advisors offer cross-border financial services, few have specialized in this area.
At SWAN Wealth, our goal is to provide you with stress-free cross-border financial planning, so you can relax and enjoy your next chapter.
Schedule a call to speak with a SWAN Wealth financial advisor and begin the process of simplifying your cross-border finances.
We care about your finances and your happiness.
We know what it’s like to be excited about moving back to Canada but worried about the financial transition.
-
How will you move your assets across the border?
-
What can you do to prevent a large tax hit while staying onside with the IRS?
We understand how complex and confusing this transition can be.
As Certified Financial Planner™ professionals and advisors licensed on both sides of the border with over 25 years of experience, we ensure your cross-border financial transition is simple, easy and efficient.
SWAN stands for “sleep well at night,” and that’s our goal for every client.
Ready to simplify your cross-border finances?
At SWAN Wealth Management, we know that you want to be free to enjoy your life in Canada.
In order to do that, you need a cross-border financial plan that’s tailored to your needs.
The problem is your U.S. advisor can’t help you move or manage your investments in Canada, and finding the right financial advisor can be challenging.
You might be worried that you’re going to miss something during this transition.
We believe that moving your assets to Canada should be simple and easy.
We understand how complex this process can appear – especially since it’s difficult to find clear information online. That’s why we specialize in helping cross-border clients like yourself.
With over 25 years of experience as Certified Financial Planner™ professionals and portfolio managers, we ensure your cross-border financial plan fits your exact needs and protects your assets.
Here’s how the process works:
-
Schedule a 15-minute intro call.
-
Meet with a financial advisor.
-
We create a cross-border plan.
-
Together, we start the process.
To get started, schedule a 15-minute introductory call.
In the meantime, here’s our here’s our cross-border moving checklist, so you’ll be able to stop worrying about what you’re missing and instead relax and start planning your next adventure.
Meet the SWAN Wealth Team
Your assets are protected.
Now you can enjoy your next adventure.
Candace Sced
Administrative Assistant
Jake Imrich
Associate Wealth Advisor, B.Mgt, CIM®
John Woodfield
Senior Wealth Advisor, Portfolio Manager, CFP®, CIM®, FMA, FCSI®
Tiffany Woodfield
Senior Wealth Advisor, Portfolio Manager, CRPC®, CIM®, TEP®
Graham Arndt
Portfolio Analyst, MA Econ, CIM®
Kate Baumbusch
Business Development Specialist, CPA, CPA (IL),
Steven Fiust
Wealth Advisor Assistant, BBA
Common Questions
Yes, SWAN Wealth Management’s cross-border financial advisors are dual-licensed advisors who specialize in helping clients with 401(k)s, IRAs, and Roth IRAs.
Our portfolio management team provides PFIC-informed investment management and builds custom portfolios without using packaged products with high MERs and TERs. Instead, our dual-licensed advisors and portfolio managers create tax-efficient and cost-efficient portfolios that our high-net-worth cross-border clients value.
Yes, as a CFP-led firm, SWAN Wealth Management’s advisors have a fiduciary duty to provide the best possible guidance and advice to their clients at all times. In addition, our Senior Wealth Advisors are registered Portfolio Managers, which means they must prioritize their clients’ financial goals above their own or their firm's interests.
Our team comprises fiduciary professionals who hold designations such as CFP, TEP, CRPC, and Portfolio Manager.
SWAN Wealth Management’s investment management services are fee-only.
In our managed accounts, we do not receive commissions or any additional compensation for recommending specific investment products. Our compensation is the same regardless of the investments selected. Our compensation is tied directly to the value we provide our clients.
Our fee structure is transparent and easy to understand. For a majority of our clients, we charge an assets under management (AUM) fee based on the assets we manage for you. In Canada, management fees may also be tax-deductible on non-registered accounts.
In addition, the underlying investments we use to build client portfolios are selected with a focus on a client’s goals and avoiding unnecessary drag on long-term returns.
SWAN Wealth Management builds customized portfolios with individual securities and low-cost exchange-traded funds (ETFs). This methodology ensures that clients have cost-efficient investment portfolios built around our investment philosophy of buying high-quality companies.
While some firms build clients’ investment portfolios with mutual funds that carry high management expense ratios (MERs) and trading expense ratios (TERs), which reduce portfolio efficiency, SWAN Wealth Management prefers a more cost-effective approach.
We’re happy to share more about our investment philosophy and the underlying investments we use to build our portfolios. We strongly recommend watching our video on costs so you can understand exactly how costs work when working with a financial advisor.
While some clients choose to incorporate life insurance into their estate planning strategy, this is entirely optional. If a client purchases life insurance through us, SWAN Wealth Management receives compensation related to that policy. SWAN Wealth’s investment management services are fee-only; insurance is compensated separately.
-
For the full fee schedule, please refer to our FAQ page here.
-
To learn more about how advisor costs work, watch our costs video here.
At SWAN Wealth Management, the cost structure includes the following services:
-
Management of your 401(k) and Roth IRA
-
Customized portfolio tailored to your specific needs
-
ESG and ethical portfolios are available
-
Personalized investment strategy
-
Fiduciary management, which means all advice will be in your best interest
-
Personal portfolio reviews twice a year
-
Sounding board for big financial decisions
-
Advice on RMDs, RRIF payments and pensions on both sides of the border
-
A detailed financial plan that is in alignment with your goals
-
Ongoing cross-border guidance which saves you time and helps you avoid costly pitfalls
-
A full set of tax receipts for Canada and the U.S. to ensure tax time runs smoothly
-
Cost-base tracking for Canada and the U.S. to help save your accountant time and you money while keeping you onside with the IRS and CRA
-
Ongoing tax consultation support
-
Guidance on charitable giving and insurance solutions
-
Referrals to our network of outside professionals, such as cross-border lawyers and accountants
-
Access to our estate and trust services, including solutions such as executor, trustee or power of attorney*
-
Access to our tax preparation services for Canadian and U.S. tax returns**
-
Ongoing education and videos to build your financial literacy within a cross-border and Canadian context
-
Monthly updates on key areas of portfolio strategy and understanding of the markets
*Hiring our trust services has an additional cost discussed beforehand.
**Hiring our tax preparation services has an additional cost discussed beforehand.-
SWAN Wealth Management is headquartered in Kelowna, BC with additional team members operating from Raymond James’ corporate office in Vancouver, BC.
SWAN Wealth Management serves clients nationally and internationally, and as such we typically speak with most of our clients online via Zoom. Our clients live across Canada and the United States. In fact, we have clients in 9 Canadian provinces and 17 US states, including California, Arizona, Florida, Washington, Colorado, and New York. Whether you live in Canada or the United States, we can help you. In addition, we’re supported by Raymond James Financial Inc, one of the largest independent broker-dealers in the US, with $1.92 trillion in client assets under management as of 6/30/2026.
Yes, avoiding PFICs is critical to cross-border investment management. At SWAN Wealth Management, we ensure our clients are not invested in PFICs.
-
For more on PFICs, read our resource on PFICs here.
-
At SWAN Wealth Management, we provide cross-border tax consultations as part of our onboarding process. These consultations help us understand your unique tax situation and provide the foundation for building a personalized financial plan and investment strategy.
We also revisit cross-border tax planning when significant life events occur, such as a move, retirement, inheritance, business sale, or changes in residency.
Our team includes a CPA licensed in both Canada and the United States who assists with tax planning discussions and financial projections. However, SWAN Wealth Management does not prepare or file tax returns. Clients will still require a qualified cross-border accountant, whether they work with an external professional or prepare their own returns.
We provide referrals to experienced cross-border accountants and work alongside them to help coordinate your overall financial plan. Our role is to help ensure your investment, retirement, tax, and estate planning strategies work together as efficiently as possible.
Yes. Estate planning is an important part of the financial planning process at SWAN Wealth Management.
SWAN Wealth Management's co-founder, Tiffany Woodfield, is a Trust and Estate Practitioner (TEP). As we build and update your financial plan, we review your estate planning needs and identify opportunities to improve the transfer of wealth to future generations.
When specialized advice is required, we coordinate meetings with our network of cross-border attorneys and other estate planning professionals. We also work closely with Raymond James Trust Services and can arrange consultations regarding executor services, trust administration, and other estate planning solutions.
Our role is to help coordinate the planning process and ensure your legal, tax, investment, and estate strategies work together effectively.
SWAN Wealth Management serves approximately 197 cross-border households. (08/27/2026)
Cross-border wealth management is the focus of our practice. Individuals and families with ties to both Canada and the United States face unique challenges involving tax planning, estate planning, retirement planning, and investment management.
When both the IRS and CRA are involved, seemingly straightforward financial decisions often require additional analysis and coordination.
By focusing on cross-border families, we encounter a wide variety of planning scenarios each year. This experience helps us stay current and provides a deeper understanding of the challenges that can arise when managing finances across two countries.
Our goal is to provide thoughtful guidance and coordinated advice for those navigating life on both sides of the border. By focusing on cross-border, we can provide the best possible service to clients who live in Canada and the United States.
SWAN Wealth Management is a cross-border wealth management firm specializing in helping families and individuals with cross-border complexities.
We’ve led the way in our industry by providing deep educational content around cross-border tax planning, estate planning, investment management, and financial planning. Our founders, Tiffany and John Woodfield, have been featured on national and international media, including Barron's, The Globe and Mail, Yahoo Finance, Canadian Family Offices, and BNN Bloomberg.
While we consider ourselves one of the top firms in Canada, it’s still smart to speak with a few different advisors so you can find a team you feel comfortable with. There is no single best firm in Canada or the United States.
To access more of our in-depth content, please visit the Blog and Video Dashboard. To read some of our recent client case studies, visit the Cross-Border Case Studies Library.
Yes, at SWAN Wealth Management, we recognize that when families or individuals move across the border, they have a financial planning problem. We prefer to work with clients 1-3 years before they move so we can help them take full advantage of all available tax-planning opportunities.
These are a few of the concerns our clients have for which we provide guidance and/or management:
-
401(k), IRA and other U.S. retirement accounts
-
US non-registered accounts
-
Canadian income and capital-gains taxation
-
U.S. worldwide taxation
-
FATCA reporting
-
FBAR and other U.S. reporting
-
Canadian treatment of U.S. investments
-
U.S. treatment of Canadian investments
-
RRSP/RRIF treatment
-
TFSA complications for U.S. citizens
-
PFICs, i.e. Canadian mutual funds/ETFs that can create U.S. tax/reporting consequences
-
U.S. estate, trust, and gift-tax considerations
-
Employer stock/options and RSUs
-
Currency exposure
-
U.S. real estate
-
Trusts and family entities
-
Yes, at SWAN Wealth Management, we can manage your 401(k) and Roth IRA seamlessly. You don't need to liquidate these accounts. In fact, we can manage your 401(k) and Roth IRA before you move across the border. If you move back to the US, we can still manage those accounts for you.
SWAN's Cross-Border Guides
📖 Check Out SWAN's Cross-Border Blog
