MEET YOUR TEAM OF cross-border wealth specialists
FULL-SERVICE U.S. & CANADA CROSS BORDER WEALTH SOLUTIONS TEAM
Managing U.S. & Canadian cross border assets can feel overwhelming, and even limiting. We have spent years crafting this team to serve all aspects of our cross border clients’ needs. Eileen, Chris, Clarke, LJ, and Alex all bring their own specialty to the table to create complete cross border wealth solutions, no matter your circumstance.
LEAD CROSS BORDER ADVISOR
Eileen Kelly, CIM started her wealth advising career in the U.S. As Aspira’s Associate Partner and next generation leader, clients benefit from her cross border expertise and distinct tenacity. Eileen excels at making the complex simple. Throughout her career, Eileen has mastered the skill of putting clients at ease. With experience on both sides of the border and a fresh perspective, Eileen is essential to creating the best solutions for our cross border clients.
CROSS-BORDER TEAM MENTOR
Chris Raper, CFP, CIM is Aspira’s Co-Founder. A Wealth Advisor since 1995, and a dual-licensed Cross Border Advisor since 2015, he now serves the team as the strategic mentor, providing sage support as we put our clients first. Over the years, he has walked with many families as they become increasingly more mobile. Working with multiple tax jurisdictions is complex, and their claims can sometimes follow generations; Chris assembled the Aspira Cross Border Team of Specialists to prevent surprises and cover all of your bases.
CROSS BORDER FINANCIAL & RETIREMENT PLANNING EXPERT
Clarke White, CFP, CRPC is Aspira's Financial Planning expert. In addition to serving our cross border clients as the leader of all of our financial planning, Clarke is a Chartered Retirement Planning Counselor™ , which means he is an expert on the intricacies of U.S. retirement planning. This encompasses retirement savings accounts, including 401(k)s and Individual Retirement Accounts (IRAs), claiming social security benefits, and integrating tax and estate planning. When it comes to cross border financial planning - Clarke is your guy!
CROSS BORDER WEALTH LOGISTICAL EXPERT
LJ Eiben, CFP, CIM has made his career in cross border finance. Having witnessed his parents liquidate their IRA when they moved their young family from the U.S. to Canada, LJ has been on a personal mission to save other families from similar mistakes. LJ is one of the leading cross border financial consultants in Canada.
CROSS BORDER PORTFOLIO MANAGEMENT EXPERT
Alex Vozian, CFA is our Co-Founder, Portfolio Manager, and cross border investment specialist. As an immigrant himself, Alex has the most worldly investment experience on our team. He has worked as an investment specialist on both sides of the U.S. and Canadian border, was born and raised in Moldova, and is fluent in three languages. With over 20+ years in the industry, Alex manages and continually refines our in-house strategies for growing and protecting your hard-earned wealth.
CROSS BORDER COMPLEXITIES? WE MAKE THEM SIMPLE.
Everyone’s situation is unique. That’s why we take a personal approach. Here are some of the ways we help our cross border clients:
CROSS BORDER FINANCIAL & RETIREMENT PLANNING
This is where two of our core specialties collide - our 360° Wealth Strategy financial planning and our dedicated team of Cross-Border Specialists. Everyone needs a living, breathing financial plan, but when it involves both sides of the border, you need an expert. We're happy to say, that's us! We help clients with complexities like:- Keeping your 401(k)/IRA actively managed in Canada
- Receiving U.S. Social Security benefits while in Canada
- Preparing for retirement on the other side of the border
- Tax-efficient investment options that align with your goals
- Much more
CROSS BORDER TAX & ESTATE PLANNING
These are the top tax and estate planning concerns we solve for our cross border clients:- Keeping your 401(k)/IRA actively managed in Canada
- Inheriting an IRA - a great estate planning tool!
- Managing IRS long-term and short-term capital gains tax
- Correcting wills to avoid clearance delays with U.S. & Canadian assets
- Meeting cross border tax filing requirements
U.S. CITIZENS/GREEN CARD HOLDERS IN CANADA
MOVING TO CANADA AS U.S. CITIZENS/GREEN CARD HOLDERS
Moving from the U.S. to Canada can bring up a lot of questions like:
- What happens to my IRA or 401(k) when I move to Canada?
- What do I need to know before moving to Canada?
- I still have family in the US. How will I be able to ensure their inheritance?
Aspira Wealth can help by:
- Consolidating assets - Raymond James is one of the few financial firms that is registered in both Canada and the U.S. At Aspira Wealth, we expertly manage and advise you on both your Canadian and U.S. assets. We weigh the advantages or disadvantages of your investment options on either side of the border, according to your goals, and provide you with an uninterrupted advisor relationship experience.
- Managing your IRA transition tax-efficiently
- Correcting wills to avoid estate clearance delays with U.S. & Canadian assets
LIVING IN CANADA AS U.S. CITIZENS/GREEN CARD HOLDERS
You’ve made the move, but now there are complexities such as:
- How can I minimize double taxation?
- I am inheriting an IRA - what do I do?
- What Canadian benefits do I qualify for?
Aspira Wealth can help by:
- Guidance on retirement benefits, such as CPP, OAS, and Social Security
- Canadian and U.S. tax preparation, including annual foreign account disclosure filings
- Managing IRA withdrawals and taxable income in Canada
CANADIANS IN THE U.S.
MOVING TO THE U.S. FROM CANADA
If you are moving to the U.S. from Canada, you may have financial concerns:
- What happens to my RRSP when I move to the U.S.?
- What do I need to prepare for tax-wise before moving to the U.S.?
- We are moving for a job opportunity and we’re not sure if or when we will be back. How do I keep my investments protected and growing during this indefinite time?
Aspira Wealth can help by:
- Managing your RRSP and Canadian retirement accounts while you are living in the U.S., and opening appropriate U.S. retirement accounts for you once you are eligible
- Partnering with you in your transition to avoid tax hits
- Providing uninterrupted, long-term wealth management, no matter which side of the border you live on
BOOK YOUR DISCOVERY MEETING
Whichever side of the border you find yourself on, we make your cross border complexities simple. Book an introductory meeting with your new advocate today or learn more about how we set our clients up for success, across generations.
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