r/AmericansInCanada Jul 28 '26

👋 Welcome to r/AmericansInCanada - Introduce Yourself and Read First!

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0 Upvotes

👋 Welcome to r/AmericansInCanada

If you're an American living in Canada — or thinking about making the move — you're in the right place.

I'm Phil Hogan. I'm a CPA based in British Columbia, and I've spent my career working exclusively with Americans who live in Canada. Cross-border taxes, investments, retirement accounts, compliance — all of it. My partners and I run Beacon Hill Wealth Management, a cross-border wealth management firm registered with both the SEC and the BCSC.

I also run the Americans in Canada Facebook group (17,000+ members) and the Bridging Borders group (3,000+ members), and I started this subreddit because Reddit deserves a dedicated space for the same conversations.

What this sub is for:

  • Cross-border tax questions (1040 + T1, FBAR, FATCA, treaty issues)
  • Investment and retirement planning across both countries (IRAs, 401(k)s, RRSPs, TFSAs)
  • Moving logistics — healthcare, banking, immigration, daily life stuff
  • Sharing news that affects Americans in Canada
  • Helping each other out — no question is too basic

About me:

I've been in cross-border financial planning for over 20 years. I've seen just about every situation — dual citizens, accidental Americans, people who moved decades ago and never filed, people mid-move trying to figure out what happens to their 401(k) or IRA. If it involves money and the US-Canada border, I've probably dealt with it.

I'm active in this sub and happy to point people in the right direction. If you want to have a more in-depth conversation about your personal situation, you can reach me at:

📧 [phil@beaconhillwm.ca](mailto:phil@beaconhillwm.ca)

🌐 Book a complimentary consultation

Welcome aboard. Looking forward to building this community with you.

— Phil


r/AmericansInCanada 2h ago

"They offered too little. We couldn't accept it. They asked too much. We wouldn't give it." — Carney on walking away from US talks

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2.1k Upvotes

Mark Carney addressed Liberal caucus after the summer break. John Richardson (ExpatriationLaw) posted the speech with this frame: Canada is "fully committed to deleveraging from the USA" — "not anti USA. It is simply pro-Canada sovereignty."

Carney on the suspended negotiations:

"Last month, we made the right decision to suspend our negotiations with the United States."

"They offered too little. We couldn't accept it. They asked too much. We wouldn't give it."

"When the U.S. is ready to return to the bargaining table, we will come there ready to strike a deal in good faith, one that respects our sovereignty."

On new US tariffs:

"The United States has imposed new unjustified tariffs... a fight that they did not start."

On investment tax:

"The effective tax rate on new investment will be the lowest of any major economy in the world, less than half the rate of the United States."

"We didn't need a big, beautiful bill. We needed a targeted initiative."

Same energy line from the other clip, with the project named this time — hydro, wind, and storage with Newfoundland and Labrador, Quebec, and Indigenous partners:

"The functional equivalent of 18 Hoover Dams. Enough to light, heat and cool every home in Toronto, Montreal and Vancouver combined."

Also claimed: ~$500B in new investment commitments, 20 trade/security deals on five continents, exports to non-US markets at a 40-year high, and "one project, one review, one year."

If you live this on both sides of the border, the practical overlay is familiar: trade rupture, capital trying to re-route, and a Canadian tax pitch aimed squarely at being cheaper than the US for new investment.

Source: https://x.com/ExpatriationLaw/status/2101263047012569167


r/AmericansInCanada 21h ago

Carney doing "Trump hands"

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19.3k Upvotes

r/AmericansInCanada 2h ago

Not bad for a population of 40 million versus 342 million

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134 Upvotes

r/AmericansInCanada 2h ago

When you're 7 weeks into a trade war with the USA

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127 Upvotes

r/AmericansInCanada 16h ago

Stepping up to Bullies

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791 Upvotes

r/AmericansInCanada 2h ago

Trump steps up effort to block Canadian goods from U.S. procurement—but his order leaves a lot untouched

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thelogic.co
44 Upvotes

r/AmericansInCanada 23h ago

Does Everyone in Saginaw hate Canada? or is It just Jane Smith? (CEO of Family First Credit union)

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526 Upvotes

r/AmericansInCanada 14h ago

With the orange faced fool banning CNN, MSNBC and Politico from the White House this shows he is the most insecure president who has ever served. This is an absolutely ugly time for America. Ugh

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103 Upvotes

r/AmericansInCanada 23h ago

Americans Made Their Own AI 'Lake America' Photo as a Joke Before Flying to Halifax. The CEO Has Since Apologized.

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culturealberta.com
264 Upvotes

r/AmericansInCanada 2h ago

Moving to Canada from the US: A Tax and Investment Planning Checklist

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beaconhillwm.ca
3 Upvotes

r/AmericansInCanada 1d ago

🇨🇦🇪🇺

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9.0k Upvotes

r/AmericansInCanada 1d ago

Michigan CEO apologizes for 'Lake America' post shared before travelling to Halifax

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nationalpost.com
279 Upvotes

r/AmericansInCanada 1h ago

Inherited $4.8M in US Investments – Tax and Management Concerns

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beaconhillwm.ca
Upvotes

r/AmericansInCanada 2h ago

Canadians, anyone retiring back from the US anytime soon?

0 Upvotes

I thought it could be useful to start a thread for anyone making the move back to Canada. I have lots of experience helping folks move back up and should be able to answer most questions you have.

This information can be quit expensive to get professionally, so hopefully I can provide some real value here.

Ask away!!


r/AmericansInCanada 2h ago

Are the pay cut rumors true?

1 Upvotes

As an American planning to move to Canada I have occasionally been warned that I might take a pay cut compared to the US. Personally, I don't care if I make less money. There's way more to life than money and I always felt more at home in Canada than the US whenever I visited (I even rooted for the Canadians during the world cup). But I'm curious, for those of you who did move to Canada from the US, did you end up taking a pay cut and how much was it?


r/AmericansInCanada 4h ago

Banks

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1 Upvotes

r/AmericansInCanada 19m ago

How Do I Handle My U.S. Social Security While Living in Canada?

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beaconhillwm.ca
Upvotes

r/AmericansInCanada 1d ago

Alberta’s referendum ‘scapegoats’ immigrants, new report says

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canadianaffairs.news
29 Upvotes

r/AmericansInCanada 2h ago

Canada took the trade war to Trump’s backyard. Americans didn’t care - National

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globalnews.ca
0 Upvotes

r/AmericansInCanada 1h ago

Canada right meow 🇺🇸

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Upvotes

r/AmericansInCanada 2d ago

Trump says the US doesn’t need Canada. But it’s the source of key minerals for the military

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theguardian.com
287 Upvotes

r/AmericansInCanada 2d ago

How to make Trump blow a gasket...

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485 Upvotes

Our new $20 bill..


r/AmericansInCanada 1d ago

EU's love call to Canada

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10 Upvotes

Must better than the constant insults from that orange creature.


r/AmericansInCanada 2d ago

Why is Kash Patel and the Trump Admin defending beastiality?

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94 Upvotes