Moving to Canada looks simple on paper: same continent, shared language, familiar culture. The financial system is a different story entirely, and the planning decisions you make before you leave can determine whether you're protected or paying for it for years.

In this episode, cross-border financial planner Brian Wruk, MBA, CFP® (US), CFP® (Canada), TEP, CIM, RFP® dual citizen, founder of Transition Financial Advisors Group, and author of The American in Canada; joins host Arielle Tucker, CFP®, EA for a detailed conversation on the tax traps, retirement account decisions, and healthcare realities Americans actually face when making the move.

Brian has been doing US-Canada cross-border planning since 1997. This is not a surface-level overview.

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WHAT THIS EPISODE COVERS
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00:00 – Introduction
01:00 – Moving from Canada to the US: Brian Wruk's background
07:30 – Americans moving to Canada in 2026: who is actually making the move
09:30 – US Canada cross border financial planning: how it has changed
12:00 – Retirement planning across US and Canada before you move
15:30 – Roth IRA conversion before moving to Canada: how it works
17:00 – TFSA tax in the US: why it is not tax free for Americans
18:00 – Canadian healthcare for Americans: what to expect in 2026
22:00 – Private healthcare in Canada: options and costs
24:00 – US vs Canada healthcare system: side by side
27:00 – What to do before moving to Canada: Brian's advice

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ABOUT THE GUEST
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Brian Wruk, MBA, CFP® (US), CFP® (Canada), TEP, CIM, RFP® is the founder of Transition Financial Advisors Group and the author of The Canadian in America and The American in Canada. He holds CFP® designations in both the United States and Canada and has specialized in US-Canada cross-border financial planning since 1997. He is based in Arizona.

Connect with Brian: https://www.passporttowealth.com/brian-wruk

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ABOUT PASSPORT TO WEALTH™
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Passport to Wealth™ connects current and aspiring US expats with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.
Our podcast, directory, courses, and newsletter give you the tools and connections to make informed decisions, wherever you live.

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RESOURCES & LINKS
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