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1499 St Paul Street, Suite 1000, Kelowna, BC V1Y 0L9

250.979.2726
plenawealthadvisors@raymondjames.ca
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Your Cross-Border Financial Advisor

Pursue Your Financial Goals

Managing wealth across the U.S.–Canada border is complex—and one wrong move can cost you. The right cross-border financial advisor can simplify the process, protect your assets, and help you confidently grow your wealth on both sides of the border.

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Middle age couple outdoors, enjoying nature and peace of mind knowing their cross-border financial advisor is handling their wealth plan.

Why Plena is the Leading Cross-Border Financial Advisor?

At Plena Wealth Advisors, we’re more than a cross-border financial advisor. Fully licensed in both Canada and the U.S., we guide you through every aspect of your financial life—from retirement and investing to holistic wealth planning—while ensuring your strategy works seamlessly across borders. We’re your trusted partners, ready to protect, grow, and optimize your wealth today.

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Cross-border wealth is complex. 
Working with the right cross-border financial advisor shouldn’t be.

Work with a Qualified Cross-Border Financial Advisor

Working with Plena allows you to take advantage of our experience and expertise and means you don’t have to liquidate your U.S. retirement accounts like IRAs and 401(k)s.

When you relocate to Canada, your retirement accounts typically become restricted and must be liquidated in 30-60 days of a change in residency. This certainly is not ideal when we think about the tax consequences of liquidating and collapsing a tax-deferred account like an IRA, let alone the financial stress this may cause on you and your family. Luckily, we can eliminate this problem and allow you to continue to work towards your goals, uninterrupted.

Cross-Border Financial Advisor Benefits

Working with a Plena Wealth cross-border advisor allows you to make the most of your retirement assets and address all facets of your situation.

  • Our cross-border advisors are licensed on both sides of the border
  • We understand the complexities that arise from holding both U.S. and Canadian retirement accounts (IRA, Roth IRA, 401(k), RRSP, TFSA, etc.).
  • Utilize our dedicated team of specialists in taxation and financial planning who are knowledgeable and qualified.
  • Our specialists hold the Chartered Retirement Planning Counselor designation (CRPC®) from the College for Financial Planning in the U.S.
  • We develop tailored solutions for the complex needs of cross-border clients and ensure the important aspects of your wealth management are met.

Comprehensive Cross-Border Retirement Planning with Plena Wealth Advisors

Work with our cross-border retirement planning team to help manage, transfer, and invest your U.S. retirement accounts.

  • Cross-border retirement, investment and tax planning.
  • Management of Canadian (RRSP, TFSA, RESP) and U.S. retirement accounts (IRA, Roth IRA, 401(k)).
  • Analysis of retirement benefits including pension plan and government assisted plans (CPP, OAS, U.S. Social Security).
  • Estate planning and risk management strategies.
  • Multi-currency investment accounts in CAD or USD to keep investment strategies separate.

Still Have Questions? Let’s Connect.
Our experts are ready to guide you every step of the way. Fill out the form to get personalized advice tailored specifically to your situation.

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