退休 采取步骤之前 勿离开加拿大

退休 采取步骤之前 勿离开加拿大

从加拿大退休 在国外退休 在采取这些关键步骤之前，请勿离开加拿大！

Joe Macek，投资顾问 2024年7月26日

https://www.youtube.com/watch?v=X3eIjc_JSas

从加拿大退休 在国外退休：在采取这些关键步骤之前，请勿离开！

正在考虑从加拿大退休？在了解这些基本步骤之前，请不要采取行动！许多新退休人员忽略了关键细节，导致意想不到的税收负担和财务压力。在本视频中，我们将介绍您必须采取的 9 个关键步骤，以确保从加拿大居民顺利过渡到外籍人士。

我们将讨论如何：

应对税务影响

管理跨境投资

了解居住身份变化

处理 RRSP 和其他退休账户

遵守纳税申报表和离境税

处理提款预扣税

以节税的方式出售您的主要住所

保留跨省医疗保险

寻求专家指导以确保您在国外的财务未来

我是 IA Private Wealth 和 IA Private Wealth USA 的 Joe，是加拿大和美国的注册受托人投资组合经理和投资顾问。与我一起深入探讨海外退休的复杂性以及如何避免代价高昂的错误。此外，与我一起庆祝我们的订阅者人数达到 1,000 人——感谢您的支持！

经常离开加拿大的新退休人员在从加拿大退休时忽略了这些关键步骤，这可能会导致您以后不需要的意外税收负担和财务压力今天，我们将解开您在从加拿大退休前必须了解的九个关键步骤，从处理税收影响到管理交叉投资请继续关注，因为其中一些关键步骤

我们将要介绍的真的会让你大吃一惊，让我们跳进去，你和许多其他加拿大人一样，可能对这个国家生活成本的快速增长以及你每天面临的日益缺乏负担能力感到非常担忧

这是我怀疑你和许多其他加拿大人正在考虑离开加拿大并在国外退休的主要原因，我之所以知道这一点，是因为我在这个话题上制作的上一个视频的观看次数绝对爆炸式增长，并且仍然被大量观看和分享所以今天我们将介绍一些关键步骤，供您在从加拿大退休前考虑，但在我分享这些步骤之前，你可能会想

我是谁，为什么你甚至要听我说，我的名字我是 Joe，我来自 IIA private wealth 和 IIA private wealth USA，YouTube 上有成千上万未经许可或未注册的金融影响者在他们的内容中提供某种金融指导，问题是这些金融影响者中的绝大多数都没有合法注册，无法就金融概念步骤提供建议，但在很多情况下，他们确实这样做了，我是一名完全注册的受托投资组合经理和投资顾问，在加拿大七个省注册，在德克萨斯州注册，在 SEC 和美国注册，这个频道上的内容往往会获得更高的信任度，因为我已经注册，能够在加拿大和美国的证券委员会提供建议，这些注册符合严格的规定和高标准，我必须遵守这些标准，以确保我分享边境两边最可靠的财务规划和退休策略信息，也就是说，请花点时间阅读我的快速免责声明，并确保在就您在 YouTube 上看到的任何内容做出任何财务决策之前咨询您的投资组合经理或投资顾问，说到 YouTube，我想非常感谢大家，因为我最近在我的加拿大频道上突破了 1,000 名订阅者的里程碑，我非常高兴和谦卑，超过 1,000 人会发现收听我的频道很有价值，我再次感谢你们每一个人，对于那些刚刚停下来的人，如果你碰巧喜欢并信任此内容，请考虑订阅并点击赞按钮，它极大地支持了视频，并帮助我们吸引更多观众，提前感谢您的支持，如果您来自美国或有交叉需求，您可以随时查看我的附属频道 Joe meic USA 为我们退休计划内容，话虽如此，让我们直接进入考虑从加拿大退休时需要做的事情，以及为什么你不离开加拿大，然后采取这些关键步骤，好吧，所以你已经决定从加拿大退休，让我们首先了解决定加拿大居住权的因素以及加拿大如何识别某人不再是加拿大人该国居民或移民，而这种区别似乎主要取决于是否涉及所得税，加拿大政府网站经常强调这一点，并经常提到类似这样的术语移民和加拿大的居住身份，出于所得税目的，从根本上讲，您被视为加拿大居民或非居民，主要取决于您的所得税身份，该网站继续更详细地描述说，一般来说，如果您满足以下所有条件，您就是出于所得税目的的移民，您离开加拿大去另一个国家生活，并且您切断了与加拿大的居住联系，切断联系意味着什么，切断与加拿大的主要联系意味着您不再在该国保持主要联系，这可能涉及出售您的加拿大房屋，在其他地方建立永久居留权，您的家人离开加拿大，或减少个人和社会联系，同时在另一个国家建立这些联系，如果您离开加拿大但保留这些联系，您通常被视为加拿大的事实居民，但是，如果您也是另一个有税收协定的国家的居民，您可能会被视为加拿大的非居民，并受与移民类似的税收规则的约束有关居住身份和关系的更多详细信息，请访问加拿大政府网站上的确定您的居住身份，那么您何时成为加拿大的非居民，这一点至关重要，因为您可能会无意中成为非居民，而没有再次意识到这一点，加拿大对非居民的定义取决于居住关系的概念，您通常会在三个日期中最晚的日期成为加拿大税务目的的非居民，即您离开加拿大的那天，您的配偶和受抚养人离开的那天，或者您现在成为新国家居民的那天，如果您在加拿大之前曾在其他国家生活过，然后又回到那里，您的非居民身份将从您离开加拿大的那天开始，即使您的配偶暂时留下来处理诸如出售房屋等事务，因此您必须了解一些区别，接下来我们将讨论 rsps 和其他退休账户银行账户投资公司和纳税申报表，如果如果您拥有加拿大银行账户或从加拿大接收付款，您必须通知您的加拿大付款人和金??融机构您不再是加拿大居民，这有助于确保您的财务安排与您的非居民身份相一致，帮助您遵守加拿大税收法规并避免潜在问题。现在，当谈到 rsp 时，您仍然可以在您不再是加拿大居民后的下一年 60 天内缴纳 RSP 供款，这允许您仍然可以申请 RSP 扣除，即使您只在加拿大待了一年中的部分时间，例如，如果您在 2024 年 6 月离开，您仍然可以在 2025 年 3 月 1 日之前缴纳 RSP 供款，即 2024 年结束后的 60 天，并且当谈到保留您的 rsp 时，与许多人的想法相反，您不需要关闭或转移您的 RSP，如果您离开加拿大，您可以让您的 rsp 在加拿大境内保持活跃，让它们免税增长如果您居住在国外

这可让您安全地维护您的投资，并方便地从海外管理它们，而没有任何麻烦。也就是说，如果您成为非非居民，您当前的金融机构可能无法管理您的 rsps 或其他账户。并非所有的加拿大金融机构都获得了处理非居民账户的适当许可，这意味着您可能会失去这些服务，因此，与您的金融机构或投资公司交谈以确保他们能够在您离开加拿大后继续管理您的账户至关重要。这是我在与加拿大和美国居民打交道时经常看到的事情，因为我在美国和加拿大都有执照。新客户来找我时，他们的加拿大投资公司在他们搬家后无法再在美国管理他们的 rsps 或 tfsa，或者他们让我在美国照看他们的 IRA，原因相同。只需知道，与您的金融机构核实至关重要，以确保他们仍然可以在您成为非居民时为您提供帮助非居民现在，当涉及到纳税申报时，您需要向加拿大税务局提交加拿大纳税申报表，如果您发现自己处于以下两种情况之一：如果您欠加拿大税务局的税款，或者您有权获得退税，因为您在纳税年度多缴了税款，但有关申报要求的更详细指导，请访问加拿大税务局，您是否必须在其官方网站上提交申报表部分，说到税收，让我们谈谈您离开加拿大时的离境税和非居民预扣税，很多人都不知道这一点，但加拿大税务局认为您已经以公平市场价值处置了某些类型的财产，即使您实际上没有出售它们，这被称为视同处置，视同处置会触发资本利得税，这条规则适用于各种类型的财产，包括股票、珠宝、绘画和其他类型的收藏品，了解这一点很重要，因为您可能会无意中触发某些财产的资本收益

你拥有你没有想到，这也称为离境税，你可能需要向加拿大税务局报告，但是这条规则也有例外，某些财产，如加拿大房地产、加拿大资源和木材、通过加拿大常设机构使用的加拿大商业资产，都被排除在外，此外，各种注册计划，如 rsps、riffs、tfsa 和某些员工福利计划，如果你在移民前的 10 年内，在加拿大居住的时间少于 60 个月，并且你不是信托，你上次成为居民时拥有的财产或之后继承的财产也可能被豁免，考虑到这些复杂性，建议向 crossb 税务专家寻求指导，这有助于确保你有效地驾驭这些规则，并遵守边境两边的税收法规，现在当你提取养老金和其他注册账户，如 rsps 时，加拿大实施了一项标准25% 的预扣税，根据加拿大是否与您移民的国家签订了税收协定，该税率可能会降至 15% 此外，许多国家都为在加拿大支付的 RSP 提款税提供外国税收抵免，但您应该考虑 15% 到 25% 之间的预扣税 出售您在加拿大的主要住所通常对所有加拿大人也是免税的，但是，如果您成为非居民，然后出售您的主要居民，则根据加拿大税法和大多数所得税协定，加拿大保留对您出售加拿大房地产征税的权利，如果您是非居民，为了确保遵守您的纳税义务，CRA 要求购买者预扣 25% 或在某些情况下高达 50% 的销售价格作为任何欠税的担保 重要的是要注意，这种预扣税不是最终的纳税责任，而只是一项预防措施，帮助确保非居民卖家获得潜在税款，避免意外税收。咨询跨境税务会计师至关重要，他们可以提供指导，以避免不必要的税务责任，并就出售主要居民的最佳时机提供建议，如果您仍然是加拿大居民，可以获取更多详细信息。我在下面的描述中包含了几个链接，指向加拿大政府网站的文章和网站，这些链接将提供额外的资源来帮助您有效地完成这个过程。以下是离开加拿大的一些最终考虑因素，通常包括成为非居民后失去加拿大医疗保险，但需要注意的是，医疗保险规则因省而异。曼尼托巴省卫生部规定，要保持资格，您必须在 12 个月内至少在曼尼托巴省居住 212 天。同样，安大略省居民可以在境外居住加拿大一年最多可居住 212 天，同时仍可享受 OIP 保障，然而在阿尔伯塔省情况有所不同，如果您居住在其他省或地区，您可以保留您的 CIP 保障，最长可达一年，但如果您在加拿大境外连续居住六个月以上，您将失去保障，这是底线，从加拿大退休到国外需要精心准备，以避免意外的税务责任，并保持基本福利，如医疗保险，从了解居住规则到管理金融账户和财产交易，每一步都至关重要，请记住，医疗保险规则因省而异，根据居住期限和实际存在影响您的资格，无论您是计划搬家还是已经决定搬家，周密的计划和专家指导对于有效应对这些复杂情况至关重要，有助于确保您在国外的财务未来，您是否知道，在投资顾问或投资组合经理的指导下，应对市场和财务的不确定性通常会更加顺利，研究一直表明与投资顾问和投资组合经理合作的个人相比，他们积累的净资产平均比单打独斗的人高出三倍，但这还不是全部，这对整体幸福感有显著影响，那些寻求专业建议的人表现出更高的幸福感和更低的焦虑感，你想知道一种简单的方法来确定你在工作中有什么样的计划，或者你想了解更多关于我最新上传的内容，我已经把所有的东西都排好队，为你准备好了，点击这里获取更多精彩的财务见解，我会等着的，我们很快会看到你。

Retiring Abroad from Canada DO NOT LEAVE CANADA before taking THESE KEY steps!

Joe Macek, Investment Advisor, iA Priv

https://www.youtube.com/watch?v=X3eIjc_JSas

 2024年7月26日  #RetirementPlanning #TaxPlanning #MovingAbroad

Retiring Abroad from Canada: DON'T LEAVE Before Taking THESE KEY Steps!

Thinking about retiring abroad from Canada? Don’t make a move before you understand these essential steps! Many new retirees overlook crucial details, leading to unexpected tax burdens and financial stress. In this video, we'll cover 9 key steps you must take to ensure a smooth transition from Canadian resident to expatriate.

We'll discuss how to:

Navigate tax implications

Manage cross-border investments

Understand residency status changes

Handle RRSPs and other retirement accounts

Comply with tax returns and departure taxes

Deal with withholding taxes on withdrawals

Sell your primary residence tax-efficiently

Retain healthcare coverage across provinces

Seek expert guidance to secure your financial future abroad

I’m Joe from IA Private Wealth and IA Private Wealth USA, a registered fiduciary Portfolio Manager and Investment Advisor in Canada and the US. Join me as we delve into the complexities of retiring abroad and how to avoid costly mistakes. Plus, celebrate with me as we hit 1,000 subscribers—thank you for your support!

new retirees that leave Canada often Overlook these key steps when retiring abroad from Canada, which can lead tounexpected tax burdens and financial stress you don't need down the road today we're going to unpack nine key steps you must understand prior to

retiring abroad from Canada from navigating tax implications to managing crossb Investments stay tuned until the end because some of these key steps

we're going to cover are truly going to surprise you let's jump in you like many other Canadians probably have significant concerns about the rapid increase in your cost of living in this country and the growing lack of affordability you are facing every day

this is the key reason I suspect that you along with many other Canadians are considering leaving and retiring abroad from Canada and I know this because the last video I did on this very topic absolutely exploded in views and is still being heavily watched and shared So today we're going to go through some key steps for you to think about before

retiring abroad from Canada but before I share those steps you might be wondering

who I am and why should you even listen to me well my name is Joe and I'm from IIA private wealth and IIA private wealth USA and there are literally thousands of unlicensed or unregistered Financial influencers on YouTube providing some sort of financial guidance in their content the problem is that the vast majority of these Finance influencers aren't legally registered to give advice on financial concept steps but in a lot of cases they do I am a fully registered fiduciary portfolio manager and investment adviser registered in seven Canadian provinces with zero and in the great state of Texas with the SEC and the United States the content on this channel tends to Garner a higher level of trust associated with it because I am registered to be able to provide advice with the Securities Commissions in both Canada and the US and with those registrations com strict regulations and high standards I must abide by to help Ensure that I share the most reliable information on Financial Planning and retirement trategies on each side of the border that said please take a moment to read my quick disclaimer here and make sure that you consult with your portfolio manager or investment adviser before making any financial decisions about anything that you see on YouTube speaking of YouTube I want to take a quick moment to thank you all so much as I recently crossed the 1,000 subscriber

Milestone on my Canadian Channel I'm so very happy and humbled that over 1,000

people would find it valuable to tune in to my channel and once again I thank

each and every one of you for those of you who have just stopped by if you

happen to like and trust this content please consider subscribing and hit the

like button it supports the videos tremendously and it helps us reach many

more viewers thanks in advance for your support also if you're from the US or

have crossb needs you can feel free to check out my affiliate Channel at Joe

meic USA for us retirement planning content with that said let's get right

into what you need to do when considering retiring abroad from Canada

and why you do not leave Canada before

taking these key steps okay so you've

decided to retire abroad from Canada and

let's start by having an understanding

of what determines Canadian residency

and how Canada identifies someone as no

longer being a resident or an immigrant

of the country and it seems that this

distinction is chiefly determined by

whether or not income tax is involved as

emphasized throughout the government of

Canada's website which frequently

mentions terms like immigrant and res

residency status in Canada for income

tax purposes fundamentally you are

considered a resident or a non-resident

of Canada primarily based on your income

tax status the website goes on to

describe it in more detail by saying

generally you are an immigrant for

income tax purposes if you meet all of

the following conditions you leave

Canada to live in another country and

you sever your residential ties with

Canada what does severing ties mean well

severing your main ties with Canada

means you no longer are maintaining your

primary connections within the country

this can involve selling your Canadian

home establishing permanent residency

elsewhere and your family leaving Canada

or reducing personal and social ties

while establishing them in another

country if you leave Canada but retain

these ties you're typically considered a

factual resident of Canada however if

you are also a resident of another

country with a tax treaty you might be

deemed a non-resident of Canada subject

to similar tax rules as immigrants for

more details on res residency status and

ties visit determining your residency

status on the government of Canada's

website so when do you become a

non-resident of Canada well this is

critical to understand because you can

inadvertently become a non-resident

without realizing it again Canada's

definition of non-residency hinges on

the concept of residential ties you

typically become a non-resident for

Canadian tax purposes on the latest of

three dates the day you leave Canada the

day your spouse and dependents leave or

the day that you become a resident of

your new country now if you've lived in

another country before Canada and then

returned back there your nonresident

status starts from the day you leave

Canada even if your spouse stays

temporarily to handle Affairs like

selling your home so there are a few

distinctions that you have to know next

up we're going to talk about rsps and

other retirement accounts bank accounts

investment firms and tax returns if you

maintain Canadian bank accounts or

receive payments from Canada you must

inform your Canadian payers and

financial institutions that you are no

longer a resident of Canada this helps

ensure that your financial arrangements

are aligned with your nonresident status

helping you comply with Canadian tax

regulations and avoid potential issues

now when it comes to rsps you can still

make RSP contributions up to 60 days

into the next year after you cease to be

a resident of Canada this allows you to

still claim an RSP deduction even though

you've only been in Canada part of the

year so for example if you leave in June

202 4 you can still make an RSP

contribution up until March 1st 2025

which is 60 days after 2024 ends and

when it comes to keeping your rsps

contrary to what many may think you do

not need to close or move your RSP if

you leave Canada you can keep your rsps

active within Canada letting them grow

tax-free even if you're living abroad

this allows you to help maintain your

Investments securely and manage them

conveniently from overseas without any

hassle that said if you become a non non

resident your Current financial

institution might not be able to manage

your rsps or other accounts not all

Canadian financial institutions are

properly licensed to handle accounts for

non-residents which means you could lose

these Services therefore it's essential

to talk to your financial institution or

investment firm to ensure that they can

continue managing your accounts once you

leave Canada this is something I often

see in my practice with Canadian and US

residents since I'm licensed in both the

US and Canada new clients come to me

when their Canadian investment firms can

no longer manage their rsps or tfsas in

the US after they move or they have me

look after their IRAs in the United

States for the same reasons just know

that it's critical to check with your

financial institution to ensure that

they can still help you if you become a

non-resident now when it comes to tax

returns you're required to file a

Canadian tax return with the CRA if you

find yourself in one of two situations

if you owe taxes to the CRA or if you

are entitled to a tax refund because you

to overpaid taxes during the tax year

but for more detailed guidance on filing

requirements visit the CRA do you have

to file a return section on their

official website speaking of taxes let's

talk about the departure tax and

non-resident withholding taxes when you

leave Canada not a lot of people know

this but the CRA deems that you have

disposed of certain types of property at

their fair market value even though you

haven't actually sold them this is known

as a deemed disposition and deemed

dispositions trigger capital gains taxes

this rule applies to various types of

property including shares jewelry

paintings and other types of collections

it's important to be aware of this

because you might inadvertently trigger

a capital gain on certain property that

you have that you didn't expect this is

also referred to as the departure tax

which you may need to report to the CRA

however there are exceptions to this

rule certain properties like Canadian

real estate Canadian resource and Timber

properties and Canadian business assets

used through a Canadian permanent

establishment are excluded additionally

various registered plans such as rsps

riffs tfsas and certain employee benefit

plans are also exempt from a deemed

disposition if you are a resident of

Canada for less than 60 months in the

10-year period before immigrating and

you are not a trust properties owned

when you last became a resident or

inherited afterward may also be exempt

with these complexities in mind it's

advisable to seek guidance from a crossb

tax expert this helps ensure that you

navigate these rules effectively and

stay compliant with the tax regulations

on both sides of the border now when

you're withdrawing your pensions and

other registered accounts like rsps

Canada imposes a standard 25%

withholding tax that can potentially be

reduced to 15% depending on whether or

not Canada has a tax treaty with the

country that you're immigrating to

additionally many countries offer

foreign tax credits for taxes paid in

Canada on RSP withdrawals but you should

be thinking about it with holding tax of

anywhere between 15 and 25% selling your

primary residence in Canada is also

generally taxfree for all Canadians

however if you become a non-resident for

income tax purposes and then sell your

principal residents it can lead to tax

implications under Canadian tax laws and

most income tax treaties Canada reserves

the right to tax the sale of your

Canadian real estate if you are a

non-resident to help ensure compliance

with your tax obligations the CRA

requires the purchaser to withhold 25%

or as much as 50% in certain cases of

the sale price as security for any tax

is owing it's important to note that

this withholding tax is not the final

tax liability but rather just a

precautionary measure to help secure

potential tax payments from non-resident

sellers to avoid unexpected taxes

Consulting with a crossborder tax

accountant is critical they can provide

guidance to prevent unnecessary tax

liabilities and advise on the optimal

timing for selling your primary

residents if you're still a resident of

Canada for more detailed information

I've included several links in the

description below to the Articles and

government of Canada website which will

offer additional resources to help you

navigate this process effectively here

are some final considerations leaving

Canada usually includes the loss of

Canadian healthc care coverage upon

becoming a non-resident but it's really

important to note that healthc care

coverage rules vary across provinces

Manitoba Health stipulates that to

maintain eligibility you must be

physically present in Manitoba for at

least 212 days within a 12- Monon period

similarly Ontario residents can be

outside of Canada for up to 212 days in

a year and still retain coverage under

OIP however in Alberta it's different

you can keep your age CIP coverage if

you reside in another Province or

territory for up to a year but you lose

your coverage if you stay outside of

Canada for more than six consecutive

months here's the bottom line retiring

abroad from Canada demands meticulous

preparation to avoid unexpected tax

liabilities and maintain essential

benefits like healthc care coverage from

understanding residency rules to

managing Financial accounts and property

transactions each step is critical

remember that Health Care coverage rules

vary by province impacting your

eligibility based on residency duration

and physical presence whether you're

planning a move or have already decided

thorough planning and expert guidance

are vital to navigate these complexities effectively to help secure your financial future abroad did you know that navigating the uncertainties of the markets and your finances is generally smoother with the guidance of an investment adviser or portfolio manager Studies have consistently shown that individuals who work with investment advisors and portfolio managers tend to accumulate a net worth up to three times higher on average compared to those that go it alone but that's not all there's a significant impact on overall well-being with those who seek professional advice exhibiting higher levels of happiness and lower anxiety do you want to know an easy way of identifying what kind of plan you have at work or maybe you want to find out more about my latest upload well I've got everything all queued up and ready for you click here for more amazing Financial Insights I'll be waiting we'll see you soon.