We have over 30 years of financial and pension consulting experience to draw upon. We are not affiliated with any investment, insurance or actuarial company; so we can give your client the most objective advice and greatest choice when requiring actuarial services.

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Income Tax Benefits of Residing Offshore

Canada has some of the highest marginal tax rates in the world. For high net worth individuals, due consideration should be given to setting up residence outside of Canada. Withholding tax can be as low as 10% on pension income in some of the countries we have a tax treaty with. Of course other assets you bring with you may have no tax due depending on the domestic income tax rates of the country you choose to reside in.

CRA has no hard and fast rules for determining your residency status. Each situation is looked at individually. You are generally considered non-resident if your stay abroad has a degree of permanence, you sever your residential ties to Canada and establish a residence in another country and your visits to Canada after departure are sporadic and occasional. You should spend significantly less than 183 days in Canada per year especially the first year you emigrate.

McKenna Churchill and Associates can consult with you on your individual situation and work out the pros and cons of an offshore move.

Below are some of the International Tax treaty Rates.

Country Pensions
And Annuities
Interest
Income
Dividends
United States 0/15/25 10 5/15
Australia 15 10 5/15
France 25 10 5/10/15
Israel 15/25 10 15
United Kingdom 10/25 10 5/15

 

 

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