Terry Ritchie (@tfritchie)

@tfritchieJun 4

Why “Hypothetical Tax” Confuses Many Cross-Border Employees

Why “Hypothetical Tax” Confuses Many Cross-Border Employees- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Apr 24, 2026 · 1:33 PM UTC

@tfritchieApr 24

California Residents: Are Your RRSPs Being Tax-Managed?

California residents who hold Canadian retirement accounts such as RRSPs and RRIFs face a unique tax challenge: while these accounts may remain tax-deferred at the U.S. federal level, California...

Terry Ritchie · Apr 23, 2026 · 1:40 PM UTC

@tfritchieApr 23

RRSP Withdrawals and Tax Planning for Canadians Moving to the U.S.

Understand RRSP withdrawal tax rules for non-residents of Canada. Learn about treaty benefits, withholding rates, and cross-border tax planning.

Terry Ritchie · Apr 10, 2026 · 4:48 PM UTC

@tfritchieApr 10

U.S. Taxation of Your Canadian Rental Property

Renting out a Canadian home after moving to the U.S. can provide income and flexibility, but it introduces cross-border tax complexity. Canada retains primary taxing rights on rental income and...

Made In Canada · Mar 25, 2026 · 8:46 PM UTC

Terry Ritchie retweeted

Made In Canada

@MadelnCanadaMar 25

We should also put John Candy on our bills and call it the “Uncle Buck” 🤝🇨🇦

383

2,843

66,339

Terry Ritchie · Mar 6, 2026 · 4:29 PM UTC

@tfritchieMar 6

Inflation Rates in Financial Planning: What Your Planner Is Actually Doing (and Why It Matters)

Inflation is not just a headline statistic; it is the long-term change in the cost of your lifestyle. While official measures like CPI and PCE provide useful benchmarks, every household experiences...

Terry Ritchie · Mar 2, 2026 · 9:17 PM UTC

@tfritchieMar 2

Using a Roth IRA for Cryptocurrency: Structure, Risk, and Cross-Border Considerations

Using a Roth IRA for cryptocurrency can offer tax-efficient exposure to a high-volatility asset class, particularly if long-term appreciation occurs within the Roth wrapper.

Terry Ritchie · Feb 26, 2026 · 5:42 PM UTC

Jeff Adema: What to do with your 401k when living in Canada

Jeff Adema: What to do with your 401k when living in Canada- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Feb 26, 2026 · 5:41 PM UTC

U.S. Immigration and Tax Issues Canadians Need to Understand in 2026

U.S. Immigration and Tax Issues Canadians Need to Understand in 2026- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Feb 26, 2026 · 5:41 PM UTC

Strategic RRIF and IRA Withdrawals: Reducing Lifetime Taxes, OAS Clawbacks, and Estate Risk

Strategic RRIF and IRA Withdrawals: Reducing Lifetime Taxes, OAS Clawbacks, and Estate Risk- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Feb 26, 2026 · 5:41 PM UTC

Vehicles for Cross-Border Clients: Purchasing in Florida, Importing to Canada, and Driving Back and...

For Canadian snowbirds and cross-border families, importing a vehicle from the U.S. to Canada can be both practical and cost-effective. The process requires compliance with U.S. vehicle export...

Terry Ritchie · Jan 28, 2026 · 5:25 PM UTC

@tfritchieJan 28

How the Canada Revenue Agency Taxes Cryptocurrency

How the Canada Revenue Agency Taxes Cryptocurrency- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Jan 28, 2026 · 5:16 PM UTC

@tfritchieJan 28

Trump Accounts Explained – A New U.S. Savings Vehicle, and Why Cross-Border Families Must Be Careful

Trump Accounts Explained – A New U.S. Savings Vehicle, and Why Cross-Border Families Must Be Careful- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Jan 15, 2026 · 5:12 PM UTC

@tfritchieJan 15

How Cross-Border Financial Literacy Builds a Stronger Family Legacy

How Cross-Border Financial Literacy Builds a Stronger Family Legacy- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Jan 13, 2026 · 8:38 PM UTC

@tfritchieJan 13

Terry Ritchie · Dec 4, 2025 · 7:46 PM UTC

@tfritchie4 Dec 2025

What’s New for your 2025 and 2026 U.S. Tax Returns?

What’s New for your 2025 and 2026 U.S. Tax Returns?- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Dec 4, 2025 · 7:45 PM UTC

@tfritchie4 Dec 2025

Winter 2025 – 2026 Canadian Tax Highlights

Winter 2025 – 2026 Canadian Tax Highlights- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Nov 10, 2025 · 3:35 PM UTC

@tfritchie10 Nov 2025

Understanding Form T1135 – Reporting Rules, Penalties, and the Due Diligence Standard for Cross-B...

Understanding Form T1135 – Reporting Rules, Penalties, and the Due Diligence Standard for Cross-Border Investors- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Nov 6, 2025 · 4:09 PM UTC

@tfritchie6 Nov 2025

Navigating Cross-Border Pension Portability: A Guide for Canadians and Americans on the Move

Navigating Cross-Border Pension Portability: A Guide for Canadians and Americans on the Move- Cardinal Point Wealth Management want to know more...

Terry Ritchie · Oct 29, 2025 · 8:37 PM UTC

@tfritchie29 Oct 2025

Breaking Up Across Borders: How Binational Couples Handle Retirement Accounts

Breaking Up Across Borders: How Binational Couples Handle Retirement Accounts- Cardinal Point Wealth Management want to know more...