In today’s fast-paced digital world, fraud is becoming more common and sophisticated...

Written for individuals and families with cross-border ties to Canada and the United States....

Written for U.S. citizens and residents moving to Canada who hold 401(k), IRA, or U.S. brokerage accounts....

Written for individuals and families receiving inheritances or gifts from the United States while living in Canada...

If you are moving from the United States to Canada, or already living in Canada....

For Americans moving to Canada, the excitement of a new chapter often comes.....

The “S” word alone makes most investors uneasy. They find the “B” word, “buying” more pleasant. The reason for this is perhaps best explained in a book written by Justin and Robert Mamis titled “When to Sell.”

Clarity can often prove to be a delicate middle ground between oversimplification and overcomplication. One of the core skills I’ve been learning as I hone my craft in the early stages of my investment career involves simplifying the complex, distilling years of education and experience into clear and concise messages and actions.

Managing money when your life spans two countries can feel overwhelming—but it doesn’t have to be. Whether you live in one country and earn in another, or you’re planning a move, these tips will help you stay organized and avoid costly mistakes.

Buying your first home is a big milestone and saving for it can feel overwhelming. That’s where the First Home Savings Account (FHSA) comes in. It’s a government-registered account created to help Canadians take that exciting first step toward homeownership. It blends the best of both worlds—RRSP-style tax deductions when you contribute, and TFSA-like tax-free withdrawals when you're ready to buy—so your savings can go further, faster.

Saving money can be simple—and the Tax-Free Savings Account (TFSA) helps you maximize your savings without worries and taxes. Since its launch in 2009, it has become one of Canada’s most versatile savings tools, allowing your money to grow and be withdrawn completely tax-free, no matter what you're saving for.

Individuals who have worked and contributed into social security in both Canada and the U.S. can generally collect retirement benefits from both countries. The Canada-U.S. Totalization Agreement helps individuals qualify for benefits. Canadians and Americans can benefit from the Canada-U.S. Totalization Agreement, which is a treaty that prevents double social security taxation and protects benefits for people who have worked in both countries.

Retiring abroad is an exciting adventure, and for many Americans, Nova Scotia offers the perfect blend of natural beauty, friendly communities, and a slower pace of life. If you’re considering making the move north, here’s what you need to know to make your retirement in Nova Scotia smooth and stress-free.

Under SEC regulations, most U.S. firms cannot provide investment advice or manage assets for non-U.S. residents. That means your 401(k) is in limbo the moment you cross the border.

Understanding inheritance and gift rules in Canada can help you avoid surprises. Here’s a quick FAQ for cross-border readers.

Under SEC rules, U.S. firms generally cannot provide investment services to non-U.S. residents. That means your mutual funds are suddenly off-limits.

We are pleased to announce that Justin Bishop has joined Biscop Cross Border Investment Services, of Raymond James Ltd., as our new Business Development Associate.

Most have lost sight of the need for risk management in the pursuit of returns. That complacency can, and likely will, prove detrimental.

When Stephen first entered this business nearly forty years ago, things were different. Clients came to deal in straightforward investments: stocks and bonds. There were no mutual funds or financial products. “Financial planning” as we know it today, was not born yet – this was pure securities trading, or the buying and selling of stocks and bonds.

For decades, the U.S. dollar has been the financial world’s anchor. Its dominance began in 1944 at Bretton Woods, when the U.S. convinced allies to peg their currencies to the dollar, while the dollar itself was backed by gold.

When investing money, there are three basic, fundamental principles one needs to understand and follow.

In early 2025, I made the decision to change the name of our operating business from Stephen Bishop and Associates Wealth Management Services, which we have used as our branding since I joined the Raymond James family of companies in 2006, to Biscop Cross Border Investment Services to better reflect the unique specialized investment services we offer.