If you’ve ever lived, worked, or held citizenship in both Canada and the U.S., your financial situation could be more complex than you realize. In this episode, explains what cross-border Canadians need to know about taxes, investments, retirement accounts, and common mistakes to avoid. Whether you’re planning a move or just want to stay onside with the IRS, this is a conversation worth hearing.

“When I started, interest rates were 18% and there were over 100 insurance companies in Canada. It’s a different world now—and the changes weren’t just technical, they were cultural."

Patrick and Ted, in Toronto, on April 9. Short-term, their goals include a major home renovation, international travel, and eventually replacing their car.

Clients with connections to both sides of the border are worried about social security, tariffs being imposed on services, and more.

In the Behind the Advice series, Globe Advisor asks advisors about their relationship with money from a young age, lessons learned over the years and how their experiences influence the advice they give to clients.

Lindsay, 64, has a retirement spending goal of $75,000 a year.