The 3 things that drive most tax outcomes

• Residency status (Canada and U.S. rules differ).
• Where the income is earned and what type it is (employment, rental, investment).
• What accounts/assets you have (registered accounts, corporate interests, etc.).

Real questions people ask about cross-border taxes

• “Do I file in both countries?” Many people end up with obligations in both systems depending on citizenship/residency and where income is earned.
• “When do I become a U.S. tax resident?” It depends on status and days in the U.S. (substantial presence rules are a common trigger).
• “What should I track from day one?” Move date, days in each country, income sources, accounts, and any employer documentation.
• “When should I hire a pro?” If you have self-employment, rental income, investments, or you’re unsure about residency — get advice early.

This page is planning guidance. For decisions, use a cross-border tax professional.

Common items to track from day one

• Move date and address history
• Paystubs + employer benefits
• Currency exchange records for large transfers
• Rental income/expenses (if keeping property)

Official starting points

• CRA: canada.ca (CRA)
• IRS: irs.gov

Treaties and rules are nuanced—use official resources and qualified pros for decisions.

Questions to ask your tax professional

• When am I considered a resident for each country?
• How do foreign tax credits work in my situation?
• What filings are required for my accounts/assets?
• What should I do before I move to reduce complications?

Big mistakes to avoid

• Ignoring residency rules and “assuming it will sort itself out.”
• Moving large sums without keeping documentation.
• Not planning for withholding/tax timing differences.