I want to spend 8 months in Mexico each year. What benefits do I lose?

If you are spending 8 months in Mexico and 4 months in Canada per year, your Canadian benefit status depends on whether CRA classifies you as a Canadian resident or non-resident. Canadian residency is determined by significant residential ties — not merely days present. If you maintain your Canadian home, bank accounts, health cards, driver's licence, and family ties, you likely remain a Canadian resident for tax purposes even with 8 months abroad. As a Canadian resident: you retain access to CPP, OAS, RRSP contributions, TFSA, and GST credit based on your Canadian income. GIS is the exception — GIS stops after 6 consecutive months outside Canada regardless of tax residency status. So spending January through August (8 months) in Mexico would cause GIS suspension in most cases. Provincial health coverage: most provinces require 6 months physical presence per year. If you're in Mexico 8 months, OHIP suspends (Ontario requires physical presence of at least 153 days). You would need supplemental out-of-country health insurance for your Mexico months. The practical threshold: spending 4 months in Canada and 8 in Mexico puts several benefits at risk. Most snowbirds who want full benefit retention stay under 6 months abroad.

What is the NR301 form and when do I need it?

Form NR301 (Declaration of Eligibility for Benefits Under a Tax Convention) is submitted to Canadian payers (Service Canada for CPP/OAS, financial institutions for RRSP/RRIF) to activate the reduced non-resident withholding tax rate under your country's tax treaty with Canada. Without NR301, the standard 25% withholding applies to CPP, OAS, and RRIF withdrawals. With NR301 filed for a Mexico resident: 15% withholding. Portugal resident: 10%. Spain resident: 15%. You submit the NR301 to the entity paying you — Service Canada for CPP/OAS, your financial institution for RRSP/RRIF. Update it if you move countries. It is not filed with CRA — it is filed with the paying institution. If you have already had too much withheld at 25% and your treaty rate should be lower, you can file a Part XIII refund application with CRA to reclaim the excess withholding.

How does the OAS 20-year rule work for Canadians who emigrated as young adults?

The 20-year rule for OAS portability counts years of residence in Canada after age 18. If you came to Canada at 25, lived there until 65, that's 40 years — OAS is fully portable outside Canada. If you came to Canada at 50, lived until 65, that's 15 years — below the 20-year threshold, so OAS stops when you become a non-resident. Years working abroad do not count toward the 20-year threshold. Canada has social security agreements with approximately 60 countries — these agreements can allow Canadians to count periods of coverage in the other country toward the 20-year OAS threshold. If Canada has a social security agreement with the country you're moving to (Portugal and Mexico both have agreements with Canada), your pension coverage history in that country may be added to your Canadian residency years to meet the 20-year threshold. Service Canada can advise on your specific eligibility. Importantly: even with fewer than 20 qualifying years, you receive a proportional OAS based on years in Canada ÷ 40. Under 20 years you receive the proportional OAS but it stops upon non-residency — the social security agreement mechanism restores portability.

What happens to my TFSA when I become a non-resident?

Your TFSA account does not automatically close when you become a non-resident — it remains open and the existing investments stay. However: (1) The tax-free status effectively ends for non-residents. Gains, dividends, and interest earned in the TFSA while you are non-resident are not exempt from Canadian tax — they are subject to Canadian non-resident withholding rules. (2) Any contributions you make to the TFSA while non-resident attract a 1%/month penalty tax on the amount contributed — this is automatic and CRA will assess it if they audit. Your TFSA contribution room continues to accumulate even during non-residency periods — but don't use it while non-resident. (3) When you return to Canadian residency, the penalty tax stops immediately and the TFSA resumes its normal tax-free status for new contributions (within your room). Practical guidance: do not contribute to your TFSA after becoming a non-resident. Withdraw TFSA holdings before departure or leave them in the account untouched. The withholding on gains in the account during non-residency is typically managed through CRA's Part XIII tax process — speak to an accountant before departure.

Can I keep my Canadian provincial health card while living abroad?

Provincial health coverage requires physical presence in your home province for a minimum number of days per year — rules vary by province. Ontario (OHIP): requires being present in Ontario for at least 153 days per year. If absent for longer, OHIP is suspended and you must reapply upon return (with a 3-month waiting period for reinstatement). British Columbia (BCMSP): 6 months per year presence required. Alberta (AHCIP): 6 months per year. Saskatchewan (SK Health): 6 months, with special rules for snow-birding. Manitoba: similar to Alberta. Quebec: RAMQ has specific rules for temporary absence — contact RAMQ directly. The practical implication: snowbirds who spend exactly 6 months abroad and 6 months in Canada are typically fine (especially if the 6 months abroad straddles two calendar years — e.g., November through April). Snowbirds spending 7+ months abroad in a calendar year need supplemental out-of-country insurance, because provincial coverage will likely be suspended. Having travel/snowbird health insurance regardless of provincial rules is strongly advisable — provincial plans have very low out-of-country benefit limits even when technically active.

Do I need to tell the CRA when I move abroad?

Yes — if you intend to become a non-resident of Canada, you should notify the CRA and file a departure return (T1-Departure). The departure return covers January 1 to your departure date and includes a deemed disposition of most capital property at fair market value (the 'departure tax'). Critically: departure tax can apply to appreciated foreign property you own abroad — if your Mexican condo has gained value, the departure triggers a deemed capital gains event even though you haven't sold anything. You also file Form T1161 (List of Properties at Departure) with the departure return. Even for snowbirds who remain Canadian residents (spending some time but not full-time abroad), maintaining current contact information with CRA and Service Canada is important for benefits administration. If you've moved out of Canada permanently and haven't filed a departure return, your Canadian filing obligations continue as if you were still a resident — CRA has no way of knowing you left.

What is the best tax-minimization strategy for someone moving abroad full-time in retirement?

The optimal strategy depends on your income sources, treaty country, and timeline — but the general framework: (1) Establish non-residency clearly and early — file departure return, sever significant ties, update all accounts and government records with foreign address. (2) Activate treaty withholding rates on CPP/OAS/RRIF by filing NR301 with payers. (3) Withdraw RRSP before departure in years when income is otherwise low — up to your marginal rate. The RRSP will be subject to 25% withholding as a non-resident on each withdrawal; in-Canada withdrawals in a low-income year may be taxed at a lower marginal rate. (4) Close or draw down TFSA before departing — take tax-free gains now; don't hold a TFSA as a non-resident. (5) Sell appreciated Canadian real estate before departure or structure the sale to occur in the same year to use the lifetime capital gains exemption (for qualifying property) or the principal residence exemption for your main home. (6) Consider the timing of OAS deferral — OAS can be deferred until age 70 with a 7.2%/year increase in the benefit. Depending on your non-residency timeline, deferring may or may not make sense. Each of these decisions is worth running by a Canadian cross-border tax professional before you depart.

What happens to CPP disability or survivor benefits when living abroad?

CPP disability benefits continue to be paid outside Canada, the same as CPP retirement benefits. There is no residency requirement for CPP disability as long as you continue to qualify medically. Note: CPP disability converts to CPP retirement at age 65 automatically. CPP survivor benefits (payable to the surviving spouse/partner of a CPP contributor) are also portable worldwide — residency is not required. CPP children's benefits (for dependent children of a deceased or disabled CPP contributor) are also portable internationally. All CPP benefits (retirement, disability, survivor, children's) are subject to the same non-resident withholding rules: 25% standard, reduced by applicable tax treaty. File NR301 with Service Canada to activate treaty rates. There is no interaction between CPP disability and GIS — GIS is a separate income-tested benefit that stops at 6 months abroad, regardless of disability status.

I want to spend 8 months in Mexico each year. What benefits do I lose?

If you are spending 8 months in Mexico and 4 months in Canada per year, your Canadian benefit status depends on whether CRA classifies you as a Canadian resident or non-resident. Canadian residency is determined by significant residential ties — not merely days present. If you maintain your Canadian home, bank accounts, health cards, driver's licence, and family ties, you likely remain a Canadian resident for tax purposes even with 8 months abroad. As a Canadian resident: you retain access to CPP, OAS, RRSP contributions, TFSA, and GST credit based on your Canadian income. GIS is the exception — GIS stops after 6 consecutive months outside Canada regardless of tax residency status. So spending January through August (8 months) in Mexico would cause GIS suspension in most cases. Provincial health coverage: most provinces require 6 months physical presence per year. If you're in Mexico 8 months, OHIP suspends (Ontario requires physical presence of at least 153 days). You would need supplemental out-of-country health insurance for your Mexico months. The practical threshold: spending 4 months in Canada and 8 in Mexico puts several benefits at risk. Most snowbirds who want full benefit retention stay under 6 months abroad.

What is the NR301 form and when do I need it?

Form NR301 (Declaration of Eligibility for Benefits Under a Tax Convention) is submitted to Canadian payers (Service Canada for CPP/OAS, financial institutions for RRSP/RRIF) to activate the reduced non-resident withholding tax rate under your country's tax treaty with Canada. Without NR301, the standard 25% withholding applies to CPP, OAS, and RRIF withdrawals. With NR301 filed for a Mexico resident: 15% withholding. Portugal resident: 10%. Spain resident: 15%. You submit the NR301 to the entity paying you — Service Canada for CPP/OAS, your financial institution for RRSP/RRIF. Update it if you move countries. It is not filed with CRA — it is filed with the paying institution. If you have already had too much withheld at 25% and your treaty rate should be lower, you can file a Part XIII refund application with CRA to reclaim the excess withholding.

How does the OAS 20-year rule work for Canadians who emigrated as young adults?

The 20-year rule for OAS portability counts years of residence in Canada after age 18. If you came to Canada at 25, lived there until 65, that's 40 years — OAS is fully portable outside Canada. If you came to Canada at 50, lived until 65, that's 15 years — below the 20-year threshold, so OAS stops when you become a non-resident. Years working abroad do not count toward the 20-year threshold. Canada has social security agreements with approximately 60 countries — these agreements can allow Canadians to count periods of coverage in the other country toward the 20-year OAS threshold. If Canada has a social security agreement with the country you're moving to (Portugal and Mexico both have agreements with Canada), your pension coverage history in that country may be added to your Canadian residency years to meet the 20-year threshold. Service Canada can advise on your specific eligibility. Importantly: even with fewer than 20 qualifying years, you receive a proportional OAS based on years in Canada ÷ 40. Under 20 years you receive the proportional OAS but it stops upon non-residency — the social security agreement mechanism restores portability.

What happens to my TFSA when I become a non-resident?

Your TFSA account does not automatically close when you become a non-resident — it remains open and the existing investments stay. However: (1) The tax-free status effectively ends for non-residents. Gains, dividends, and interest earned in the TFSA while you are non-resident are not exempt from Canadian tax — they are subject to Canadian non-resident withholding rules. (2) Any contributions you make to the TFSA while non-resident attract a 1%/month penalty tax on the amount contributed — this is automatic and CRA will assess it if they audit. Your TFSA contribution room continues to accumulate even during non-residency periods — but don't use it while non-resident. (3) When you return to Canadian residency, the penalty tax stops immediately and the TFSA resumes its normal tax-free status for new contributions (within your room). Practical guidance: do not contribute to your TFSA after becoming a non-resident. Withdraw TFSA holdings before departure or leave them in the account untouched. The withholding on gains in the account during non-residency is typically managed through CRA's Part XIII tax process — speak to an accountant before departure.

Can I keep my Canadian provincial health card while living abroad?

Provincial health coverage requires physical presence in your home province for a minimum number of days per year — rules vary by province. Ontario (OHIP): requires being present in Ontario for at least 153 days per year. If absent for longer, OHIP is suspended and you must reapply upon return (with a 3-month waiting period for reinstatement). British Columbia (BCMSP): 6 months per year presence required. Alberta (AHCIP): 6 months per year. Saskatchewan (SK Health): 6 months, with special rules for snow-birding. Manitoba: similar to Alberta. Quebec: RAMQ has specific rules for temporary absence — contact RAMQ directly. The practical implication: snowbirds who spend exactly 6 months abroad and 6 months in Canada are typically fine (especially if the 6 months abroad straddles two calendar years — e.g., November through April). Snowbirds spending 7+ months abroad in a calendar year need supplemental out-of-country insurance, because provincial coverage will likely be suspended. Having travel/snowbird health insurance regardless of provincial rules is strongly advisable — provincial plans have very low out-of-country benefit limits even when technically active.

Do I need to tell the CRA when I move abroad?

Yes — if you intend to become a non-resident of Canada, you should notify the CRA and file a departure return (T1-Departure). The departure return covers January 1 to your departure date and includes a deemed disposition of most capital property at fair market value (the 'departure tax'). Critically: departure tax can apply to appreciated foreign property you own abroad — if your Mexican condo has gained value, the departure triggers a deemed capital gains event even though you haven't sold anything. You also file Form T1161 (List of Properties at Departure) with the departure return. Even for snowbirds who remain Canadian residents (spending some time but not full-time abroad), maintaining current contact information with CRA and Service Canada is important for benefits administration. If you've moved out of Canada permanently and haven't filed a departure return, your Canadian filing obligations continue as if you were still a resident — CRA has no way of knowing you left.

What is the best tax-minimization strategy for someone moving abroad full-time in retirement?

The optimal strategy depends on your income sources, treaty country, and timeline — but the general framework: (1) Establish non-residency clearly and early — file departure return, sever significant ties, update all accounts and government records with foreign address. (2) Activate treaty withholding rates on CPP/OAS/RRIF by filing NR301 with payers. (3) Withdraw RRSP before departure in years when income is otherwise low — up to your marginal rate. The RRSP will be subject to 25% withholding as a non-resident on each withdrawal; in-Canada withdrawals in a low-income year may be taxed at a lower marginal rate. (4) Close or draw down TFSA before departing — take tax-free gains now; don't hold a TFSA as a non-resident. (5) Sell appreciated Canadian real estate before departure or structure the sale to occur in the same year to use the lifetime capital gains exemption (for qualifying property) or the principal residence exemption for your main home. (6) Consider the timing of OAS deferral — OAS can be deferred until age 70 with a 7.2%/year increase in the benefit. Depending on your non-residency timeline, deferring may or may not make sense. Each of these decisions is worth running by a Canadian cross-border tax professional before you depart.

What happens to CPP disability or survivor benefits when living abroad?

CPP disability benefits continue to be paid outside Canada, the same as CPP retirement benefits. There is no residency requirement for CPP disability as long as you continue to qualify medically. Note: CPP disability converts to CPP retirement at age 65 automatically. CPP survivor benefits (payable to the surviving spouse/partner of a CPP contributor) are also portable worldwide — residency is not required. CPP children's benefits (for dependent children of a deceased or disabled CPP contributor) are also portable internationally. All CPP benefits (retirement, disability, survivor, children's) are subject to the same non-resident withholding rules: 25% standard, reduced by applicable tax treaty. File NR301 with Service Canada to activate treaty rates. There is no interaction between CPP disability and GIS — GIS is a separate income-tested benefit that stops at 6 months abroad, regardless of disability status.

Reviewed on March 2026 by the Compass Abroad editorial team

What Happens to All Your Canadian Benefits When You Move Abroad?

CPP continues worldwide. OAS continues if you have 20+ years Canadian residency after 18. GIS stops after 6 months outside Canada — no exceptions. Provincial health suspends after varying thresholds. RRSP stays but withdrawals face 25% withholding. TFSA loses tax-free status the moment you become a non-resident. Child Benefit, GST credit, and Trillium all stop as non-resident. Here is the complete reference for every major Canadian benefit.

The decision to live abroad full-time or for extended periods has significant financial consequences across almost every Canadian government program. Most Canadians are aware of one or two of these rules — but not all twelve. This guide covers every one.

Key Takeaways

CPP (Canada Pension Plan) is payable worldwide regardless of where you live — the only payment condition is that you have made qualifying contributions. Withholding tax of 25% applies as a non-resident, reduced by treaty (15% to Mexico, 15% to Portugal, 15% to Spain).
OAS (Old Age Security) is payable outside Canada only if you have at least 20 years of residence in Canada after age 18. Fewer than 20 qualifying years means OAS stops when you establish non-residency — unless a social security agreement covers the gap.
GIS (Guaranteed Income Supplement) stops completely after you have been outside Canada for 6 months (two consecutive benefit periods). There is no treaty exemption, no partial payment, and no proration. This is the most financially impactful cut for lower-income Canadians moving abroad.
Provincial health coverage (OHIP, AHCIP, BCMSP, etc.) suspends after varying periods — most provinces require physical presence for 6 months per year to maintain coverage. Suspension typically takes effect after the first 6–7 months of continuous absence.
RRSP accounts remain valid as a non-resident, continue to grow tax-deferred, but withdrawals are subject to 25% non-resident withholding (reduced by treaty). You lose the ability to make new contributions as a non-resident and cannot deduct contributions against non-existent Canadian income.
TFSA accounts lose their status as a Tax-Free Savings Account the moment you become a non-resident of Canada — contributions made as a non-resident attract a 1% per month penalty tax. Existing holdings can remain in the account but gains are no longer sheltered from Canadian tax as a non-resident.
The Canada Child Benefit, GST/HST credit, and Ontario Trillium Benefit stop immediately when you become a non-resident. These are residence-based benefits with no portability.
RESP accounts become complex as a non-resident — CESG grants may need to be repaid if the beneficiary is no longer a Canadian resident, and contributions as a non-resident do not receive new CESG.
Employer pension plans (RPPs, defined benefit plans) are generally payable worldwide with the same withholding tax rules as CPP.
The financial planning takeaway: for Canadians who rely on GIS to supplement retirement income, moving abroad full-time (as a non-resident) can reduce income by $13,000–$15,000/year (approximately the maximum GIS amount). This is the largest benefit cliff in the non-residency transition.

Canadian Benefits Abroad: Key Numbers

CPP portability: Payable worldwide — no residency requirement(Canada Pension Plan Act)
OAS portability threshold: Payable abroad only if 20+ years of Canadian residence after age 18(Old Age Security Act s.4)
GIS portability: Stops after 6 consecutive months outside Canada — no exception(Old Age Security Act s.20)
Non-resident withholding on CPP/OAS: 25% standard; reduced by treaty (Mexico 15%, Portugal 10%, Spain 15%)(ITA s.212; tax treaties)
TFSA non-resident penalty: 1% per month penalty on any contributions made while non-resident(ITA s.207.01)
RRSP non-resident withdrawals: 25% withholding; reduced by treaty to 15–25% depending on country(ITA s.212; treaty rates)
Maximum GIS (single, 2026): ~$1,065/month (stops completely when non-resident for 6+ months)(Service Canada 2026)
Maximum OAS (age 65, 2026): ~$727/month (partial OAS for under 40 years of residence)(Service Canada 2026)

The Complete Benefits Reference: 12 Programs Compared

Canadian government benefits and programs — portability, conditions, and tax implications for non-residents
Benefit/Program	Continues as Non-Resident?	Key Condition or Limit	Tax Implications
CPP (Canada Pension Plan)	Yes — payable worldwide	No residency requirement after qualifying contributions made	25% NR withholding. Treaty reduced: Mexico 15%, Portugal 10%, Spain 15%. File NR301 to activate treaty rate.
OAS (Old Age Security)	Conditional — only if 20+ years Canadian residence after 18	Fewer than 20 years: OAS stops. Social security agreements (e.g., with Portugal, Mexico) may add years.	25% NR withholding. Treaty reduced: Mexico 15%, Portugal 10%. File NR301.
GIS (Guaranteed Income Supplement)	No — stops after 6 months outside Canada	Absolute — no treaty exception. 2 consecutive benefit periods outside Canada = suspension.	GIS is income-tested and non-taxable in Canada. Loss is total — no partial payment.
Allowance / Allowance for Survivor	No — same rules as GIS	Income-tested supplement for 60–64 spouses of OAS recipients. Stops at 6 months abroad.	Non-taxable. No portability.
Provincial Health (OHIP, AHCIP, BCMSP etc.)	No — suspends after province-specific absence threshold	Most provinces: 6 months maximum absence/year to maintain coverage. Rules vary by province.	Coverage suspension requires private out-of-country health insurance. Snowbirds need supplemental insurance.
Canada Child Benefit (CCB)	No — stops when CRA determines non-resident status	Residence-based. Non-residents are not eligible.	Non-taxable in Canada. No portability.
GST/HST Credit	No — stops when classified as non-resident	Residence-based quarterly payment. Non-residents ineligible.	Non-taxable. No portability.
Ontario Trillium Benefit (and provincial equivalents)	No — stops as non-resident	Province-specific. Requires Ontario (or other province) tax residency.	Non-taxable. No portability.
RRSP	Yes — remains registered, continues tax-deferred growth	Cannot make new contributions as non-resident. No deduction benefit. Withdrawals face withholding.	25% withholding on withdrawals. Treaty reduced. Spousal RRSP attribution rules change as non-resident.
RRIF	Yes — mandatory minimum withdrawals continue	Minimum withdrawals must continue as non-resident. Withholding applies to all withdrawals.	25% withholding standard. Treaty reduced. Pension income splitting not available to non-residents.
TFSA	Stays open but loses tax-free status	Contributions as non-resident attract 1%/month penalty. Existing holdings remain but tax-free status gone.	Gains in TFSA as non-resident are NOT sheltered — Canadian tax may apply depending on income type.
RESP	Complex — see note	If beneficiary (child) becomes non-resident, CESG grants stop and may need repayment. Contributions as NR get no CESG.	Accumulated income payments (AIP) on RESP withdrawal subject to income inclusion + 20% penalty tax.

The Three Big Surprises

Three rules catch Canadians off guard more than any others:

1. GIS stops completely at 6 months. The Guaranteed Income Supplement is the primary income supplement for lower-income seniors — providing up to ~$1,065/month in 2026 for single recipients. Many Canadians who depend on GIS are planning retirement abroad without realizing that GIS is non-portable. Moving abroad full-time (or even spending more than 6 consecutive months abroad) terminates GIS — with no recovery unless you return to Canada. The impact can exceed $13,000/year in lost income. This is the most underestimated financial consequence of non-residency for lower-income retirees.

2. TFSA loses its tax shelter status immediately upon non-residency.The TFSA is one of Canada's most powerful tax tools, and Canadians love it. The belief that it "keeps growing tax-free even while you live abroad" is wrong. The moment you become a non-resident, contributions attract a 1%/month penalty tax, and gains in the account lose their tax exemption. Canadians who contribute to their TFSA after departing Canada face penalty taxation that can become significant. The correct action: maximize TFSA before departing and do not contribute once non-resident.

3. The departure tax hits appreciated foreign property too.When you become a non-resident of Canada, CRA treats you as having sold all your capital property at fair market value — this "departure tax" applies not just to Canadian assets, but to foreign real estate you already own abroad. Your appreciated Mexican condo, Portuguese apartment, or Spanish vacation property is deemed sold on your departure date, triggering capital gains in your final Canadian return — even though you haven't sold anything. This can produce a substantial Canadian tax bill in the year of departure. Planning the departure timing and potentially disposing of appreciated property before departure year can mitigate this impact.

The Snowbird Sweet Spot: Staying Under 6 Months

Most Canadian snowbirds optimize their stay under 6 months abroad per year specifically to retain GIS and provincial health coverage — even if they would prefer to spend more time in their destination. This is a rational and defensible financial strategy:

Stay under 183 days abroad per year → maintain Canadian tax residency
Stay under 6 months of consecutive absence → maintain GIS (if applicable)
Stay within provincial threshold → maintain OHIP/AHCIP/BCMSP
Maintain Canadian home → preserve significant residential tie

The 4–5 month snowbird pattern (typically November/December through March/April) fits comfortably within all these constraints for most provinces and most benefit programs. The GIS rule is specifically 6 consecutive months — returning to Canada briefly during a winter away can reset the clock.

For Canadians who want to spend more time abroad — 8 months or longer — the financial planning calculation changes substantially. Benefits analysis before making a semi-permanent move is essential. See our detailed departure tax guide and our GIS living abroad analysis for detailed non-residency planning guidance.

Tax Treaty Rates: What You Keep

For benefits that do continue (CPP, OAS, RRSP/RRIF), the non-resident withholding rate is key — it determines how much of your payments actually land in your bank account. Standard withholding is 25% of gross. Tax treaties reduce this:

Canada-Mexico: 15% on periodic pensions (CPP, OAS, RRIF), 25% on lump-sum RRSP withdrawals
Canada-Portugal: 10% on pensions (Article 18)
Canada-Spain: 15% on pensions (Article 18)
Canada-Costa Rica: No treaty — 25% standard
Canada-Dominican Republic: No treaty — 25% standard
Canada-Panama: No treaty — 25% standard
Canada-Belize: No treaty — 25% standard

To activate the treaty rate, file Form NR301 with Service Canada (for CPP/OAS) and with your financial institutions (for RRSP/RRIF). The default 25% applies until NR301 is received and processed. File NR301 as part of your departure checklist — before your first payment as a non-resident if possible.

Planning to Move Abroad? Model Your Benefits Impact Before You Go.

A cross-border financial planner can model your CPP, OAS, GIS, RRSP, and TFSA outcomes for different scenarios — before you make irreversible decisions.

Get Connected to a Financial Planner

Canadian Benefits Abroad: Frequently Asked Questions

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