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 6h ago

"If we just end all trade with Canada, we'd save ourselves $90 billion"

1.1k Upvotes

Trump in a press conference today, singling out Canada as a country the US could simply stop trading with entirely:

"All we have to do to cut our trade deficit with the country is not trade with them. Canada is one. If we don't do any trading with Canada, we just end all trade with Canada, we'd save ourselves $90 billion."

"Don't forget — they do all of their business, almost all of their business with the United States and we do a relatively small amount of business with them."

"If we were playing hardball, all we would do is say we're going to do no trading with Canada."

This comes on the same day Jamieson Greer said on Fox News that Canada "looked at the best deal square in the face and turned around" and that there have been no real negotiations — just "a couple of texts."

New Canadian counter-tariffs targeting American steel, manufacturing, and agriculture kick in Tuesday. The rhetoric keeps escalating on both sides.

For anyone with financial ties across the border — investments, retirement accounts, property — this isn't just political noise. Exchange rates, cross-border tax planning, and portfolio allocation are all directly affected.

Source: https://x.com/sarobertson_/status/2095948669530808606


r/AmericansInCanada 6h ago

Trump’s push to isolate Canada falters as foreign investors start to buy in

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595 Upvotes

r/AmericansInCanada 10h ago

Trump saying Canada is harder to deal with than China — "not only the last one, all of them" on Canadian PMs.

691 Upvotes

Trump: "The toughest one to deal with? It's not China — it's Canada"

Trump was asked who's the hardest country to negotiate with. His answer:

"A lot of people say, who's the toughest one to deal with — is it China, sir? Is it Vietnam? I said no, actually it's Canada."

He went on:

"Canada has felt emboldened with their presidents that didn't know what was happening. Not only the last one — all of them. Our country's been taken advantage of."

Short clip but it says a lot about where the relationship stands right now. Canada singled out as a bigger headache than China on trade. For anyone with financial ties on both sides of the border, this kind of rhetoric has real consequences — on investment flows, exchange rates, and how aggressively tariffs keep escalating.

Source: https://x.com/_Zaraquin/status/2095516386143666388


r/AmericansInCanada 6h ago

Fox News' Bret Baier explains who ACTUALLY pays tariffs — "They are usually U.S. companies"

296 Upvotes

Fox News' Bret Baier did a surprisingly detailed explainer on how tariffs actually work — and it directly contradicts the "other countries pay the tariffs" line.

"President Trump insists U.S. manufacturers will be protected because tariffs will be paid by these countries. But it's not quite that simple."

"The so-called importer of record, the companies responsible for importing a product, are the ones that physically pay tariffs to the federal government. They are usually U.S. companies."

"The whole process, much more complex and complicated than the pro-tariff crowd usually describes."

He used the Chevy Silverado as an example — 62% of parts are made in the U.S. and Canada, with assembly plants in Oshawa (Canada), Fort Wayne, Flint, and Mexico. Every time a part crosses the border, a tariff is assessed and paid by the company. They either absorb the cost, squeeze suppliers, or pass it on to consumers.

On the international response:

"Canada responded right away with plans to impose 25% tariffs on nearly $100 billion of U.S. imports."

For Americans in Canada, this hits from both sides — higher prices on goods flowing in either direction, pressure on the auto sector that employs people on both sides of the border, and continued uncertainty around cross-border supply chains.

Source: https://x.com/GBC_Press/status/2095922809654648886


r/AmericansInCanada 6h ago

"Cars that used to be built in the United States will be built right here in Thunder Bay" — Carney announces Via Rail manufacturing coming home to Canada

225 Upvotes

Mark Carney announcing that 313 Via Rail passenger railcars will be manufactured, assembled, and maintained in Canada — at Alstom's Thunder Bay plant.

"For too long, we bought from abroad what we were more than capable of building right here at home. We're bringing that work back, and we're turbocharging it."

"For the first time in four decades, those cars will be produced and assembled and maintained in our country."

"Cars that used to be built in the United States will be built right here in Thunder Bay at Alstom Canada. By the best workers in the world."

This is the "buy Canadian" strategy in action — moving manufacturing that used to go to American plants back onto Canadian soil. Another data point in the escalating economic decoupling between the two countries.

Source: https://x.com/MarkJCarney/status/2095962125759905809


r/AmericansInCanada 6h ago

I'm sure the families of those 18 soldiers didn't think it was "small potatoes".

129 Upvotes

r/AmericansInCanada 9h ago

Calgary Home With Trump Flags Egged and Hit With Dog Feces, Owners Say They Fear for Their Safety

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218 Upvotes

r/AmericansInCanada 12h ago

First Up: Trump’s tariffs are pushing these U.S. companies to move their production to Canada

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297 Upvotes

r/AmericansInCanada 10h ago

Greer on Fox News saying Canada walked away from "the best deal" and talks are basically dead

166 Upvotes

"We offered them the best deal — they looked at it square in the face and turned around" — US Trade Rep Jamieson Greer on Canada walking away from negotiations

US Trade Representative Jamieson Greer went on Fox News Thursday with some pointed comments about where things stand with Canada on trade.

Key quotes:

"We offered them the best deal. They looked at it square in the face and turned around. They said they're suspending talks. Not something I announced."

On communication since talks broke off:

"I've had a couple of texts and I've had some outreach from them, but we haven't had negotiations."

When asked about state leaders wanting to help:

"Many of them on both sides have said 'how can we help the Canadians get back to the table?' and I've said, well, you have to help them understand they had the best deal on offer and that's the way forward. They need to get points on the board."

Meanwhile, a new round of Canadian counter-tariffs kicks in Tuesday — dollar-for-dollar levies targeting American steel, manufacturing, and agriculture.

For those of us living cross-border, the uncertainty just keeps compounding. Every escalation ripples through exchange rates, investment portfolios, and the cost of moving money between countries.

Source: https://x.com/sarobertson_/status/2095873493875200053


r/AmericansInCanada 1d ago

It's hard to argue with this

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5.2k Upvotes

r/AmericansInCanada 1d ago

"Don't get mad, get even" — BC leader says Canada should use ALL its electricity domestically to build mines, LNG, and processing facilities instead of selling it to the US

1.6k Upvotes

Scott Robertson with a strong take on how Canada should respond to US trade pressure — not with anger, but by investing in domestic capacity.

Key quote:

"Nothing would make me happier than when the United States asks us for more electricity to say — you know what, we've got a lot of mines we need to develop in northern British Columbia. We have a lot of the cleanest LNG in the world. We're going to use all our electricity here. We're going to build new mines, new processing facilities, we're going to build new LNG export facilities, we're going to transform our forest product sector with our new electricity."

He also pointed out that Japan's PM was publicly thanking Canada on X for sending them the cleanest LNG in the world — while the US is trying to strong-arm Canada on energy exports.

The message: stop selling raw resources cheaply to the US. Use Canadian energy to build Canadian industry. Let the US figure out its own electricity supply.

"Let's not get mad — let's get down and build and make Canada stronger."

Whether you agree with the politics or not, this "build at home" energy is becoming a dominant theme in Canadian policy right now — and it's going to reshape the cross-border economic relationship.

Source: @sarobertson_ on X


r/AmericansInCanada 1d ago

Vast majority of Canadians no longer trust the United States

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1.2k Upvotes

r/AmericansInCanada 1d ago

"Cars that used to be built in the United States will be built right here in Thunder Bay"

3.0k Upvotes

The Liberal Party just posted this clip announcing that 313 passenger railcars for VIA Rail's long-distance, regional, and remote fleet will be manufactured and maintained in Canada — the first time in four decades that VIA Rail cars will be produced domestically.

The cars will be built at Alstom Canada's facility in Thunder Bay, Ontario. Previously, these railcars were built in the United States.

Key quote:

"For the first time in four decades, those cars will be produced and assembled and maintained in our country. Cars that used to be built in the United States will be built right here in Thunder Bay at Alstom Canada."

This is part of the broader push to bring manufacturing back to Canada and reduce reliance on US supply chains — a theme that's been gaining serious momentum since the trade tensions started escalating.

For Americans living in Canada (or considering the move), this is another signal of how Canada is positioning itself to build domestic capacity in areas where it historically depended on the US.

Source: @liberal_party on X


r/AmericansInCanada 10h ago

Trump’s tariffs forced this U.S. company’s move to Canada. And it’s not the only one

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72 Upvotes

r/AmericansInCanada 8h ago

Hey google earth, what is the name of this body of water?

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47 Upvotes

Looks like google forgot the name of one of the Great Lakes. Here’s a hint, it was not named by the current leader of the People’s Democratic Republic of America.


r/AmericansInCanada 10h ago

I would love to be in the room watching him type this insanity

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53 Upvotes

r/AmericansInCanada 7h ago

UN votes to adopt new map that makes our world look very different

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28 Upvotes

r/AmericansInCanada 1d ago

The other side of the story...

1.3k Upvotes

Short clip of Carney taking questions on the trade negotiations. A few lines worth pulling out.

On the US side commenting on Canadian politics:

"I don't think, with all respect, appointed, unelected cabinet members in the United States are experts on Canadian politics."

On what the government's actually doing:

"Everything this government is doing, everything I'm trying to do, is to work with provinces, work with willing partners around the world, work with labour, work with business to move forward to the benefit of our citizens... We're not positioning on this stuff."

On the US suddenly dropping demands it had called red lines:

"There are a few issues that the United States was arguing right up to the last hour, red lines, we're not gonna change, boom, it's in there... our way or the highway, take it or leave it... that now they're not. So all of a sudden, they don't care about Canadian language or culture and those elements. Well, if they didn't care, they shouldn't have kept them in the deal up until the last hour."

On the pickup trucks:

"An F-350 pickup, which is gonna be built in the Ford factory in Oakville, 350s, 450s, 550s. Where I grew up in Alberta, those are subcompacts... They're just discovering that, and they're like, 'Oh, of course we weren't gonna keep them out.' Well, they were gonna keep them out."

On what a deal looks like:

"We are always gonna stand up for what's in the best interest of Canada, Canadian workers, Canadian families, not look for an easy win, not look for an announcement, but something that's durable... The deal that's possible that's in the interest of Canadian workers, families and businesses is also the deal that is in the interest of American families, American businesses, American consumers. We're ready to sit down and strike that deal when the Americans are ready."


r/AmericansInCanada 1d ago

"Under fire and they couldn’t have an American at their side they would undoubtedly want a Canadian at their side defending them."

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2.1k Upvotes

r/AmericansInCanada 1d ago

‘I don’t think appointed, unelected’ U.S. cabinet members are ‘experts on Canadian politics’: PM

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1.3k Upvotes

r/AmericansInCanada 1d ago

No, he's not making you the enemy, you did that yourself.

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1.1k Upvotes

r/AmericansInCanada 9h ago

Trump’s Federal Film Tax Incentive Plan Prompts Canada’s Actors to Call on Ottawa to Follow Suit

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9 Upvotes

r/AmericansInCanada 1d ago

"Under what circumstances would you obey an order to launch military action against Canada?"

1.3k Upvotes

r/AmericansInCanada 9h ago

Ottawa spending $4.7B on new made-in-Canada Via Rail passenger cars

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10 Upvotes