RetireMitten Financial

RetireMitten Financial RetireMitten Financial LLC is a fee-only financial advisor located in Clarkston, MI. We specialize in working with Canadians living in the U.S.

05/22/2026

Many Canadians living in the U.S. may be sitting on a future retirement tax problem without realizing it.

Between CPP, OAS, U.S. Social Security, IRAs, RRSPs, and investment income, retirement taxes can become far more complicated than many people expect.

One strategy some retirees consider is Roth conversions.

In this short clip, I explain why this may matter for Canadians living in America.

Watch the Full Video: https://youtu.be/ibZQKV5GvVU?si=2MZ4cg3kj9iXzjBo

đź“Š Estimate Your CPP, OAS & U.S. Social Security Benefits: https://retiremittencalculator.base44.app/

đź“… Schedule a Complimentary Consultation: https://retiremitten.com/schedule-a-meeting/

DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at: retiremitten.com

05/21/2026

Why Many Canadians In The U.S. Should Consider Roth Conversions

Many Canadians living in the U.S. may be heading toward a major retirement tax problem without realizing it.

Between:
• CPP
• OAS
• U.S. Social Security
• IRAs & 401(k)s
• RRSPs
• Investment income

…future taxes can potentially become much higher than expected.

In this video, I explain why Roth conversions may be worth considering for many Canadians in America, including:

✔️ Reducing future taxes
✔️ Lowering RMDs
✔️ Widow/widower tax planning
✔️ Cross-border retirement strategies
✔️ Common mistakes to avoid

đź“Š Estimate Your CPP, OAS & Social Security Benefits: https://retiremittencalculator.base44.app/

đź“… Schedule a Complimentary Consultation: https://retiremitten.com/schedule-a-meeting/



DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at: https://retiremitten.com/

05/13/2026

Could Canadians living in the U.S. be MORE exposed to future Social Security cuts?

Especially green card holders planning to move back to Canada eventually.

“I paid into Social Security, so I’m fine.”

But cross-border retirement planning is often MUCH more complicated than people realize.

👇 Estimate your CPP, OAS & Social Security benefits here: https://retiremittencalculator.base44.app/

Watch the full video here: https://youtu.be/nBL1pajebG0?si=MDfNYzRRvMOUNkO0

Would you delay retirement if benefits were reduced?

05/13/2026

Will Social Security Cuts Hurt Canadians Living in the U.S.?

Could Canadians living in the U.S. be MORE exposed to future Social Security changes? Especially green card holders planning to move back to Canada eventually?

In this video, we discuss:
• The Social Security shortfall
• Potential future benefit reductions
• Risks for green card holders
• Spousal & survivor benefit concerns
• CPP & OAS coordination
• Common claiming mistakes

Many Canadians in the U.S. don’t realize how much these decisions can impact long-term retirement income.

👇 Estimate your CPP, OAS & Social Security benefits here: https://retiremittencalculator.base44.app/move


move back to Canada eventually

DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.
For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.

04/30/2026

A client just overpaid $6,650 in taxes…

…and TurboTax completely missed it.

He had paid taxes to Canada, and the foreign tax credit was applied on his federal return—but not on his state return.

Once we fixed it, his North Carolina tax bill dropped by $6,650.

Same income. Same taxes paid. Just applied correctly.

If you’ve ever lived or worked in Canada and now file in the U.S., this is one of the most common mistakes I see.

I break it down in this video:

👉 https://youtu.be/KigZYW8Sxy8

If you want to make sure this isn’t happening to you, you can schedule a call here:

👉 https://retiremitten.com/about-us/financial-planning-for-canadians-living-in-the-u-s/

DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.

04/29/2026

Should I Draw CPP or SS First

If you’ve worked in both the United States and Canada, estimating your retirement benefits can be complicated.
Download our Cross-Border Retirement Calculator to estimate your potential:
• Canada Pension Plan (CPP)
• Old Age Security (OAS)
• U.S. Social Security benefits
👉 Download here: https://retiremittencalculator.base44.app/

Watch the full video: https://youtu.be/3IemXpOQRsk

DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.

04/22/2026

Should You Take CPP or Social Security First? (For Canadians in the U.S.)

If you’ve lived and worked in both the U.S. and Canada, this is one of the most important financial decisions you’ll make, and getting it wrong can cost you tens of thousands of dollars over your lifetime.
In this video, I break down how CPP and Social Security work together, when it makes sense to take one before the other, and the biggest mistakes I see Canadians in the U.S. make when claiming their benefits.

You’ll learn:
✔️ The key differences between CPP and Social Security
✔️ Why many people delay Social Security and take CPP first
✔️ When it actually makes sense to take Social Security early
✔️ How taxes and moving back to Canada impact your decision
✔️ A simple framework to choose the best strategy for your situation
________________________________________
🎯 GET YOUR PERSONALIZED REPORT
If you want to know exactly what makes sense for you:
👉 Download your personalized CPP & Social Security report here: https://retiremittencalculator.base44.app/

This report estimates:
• Your CPP benefits
• Your Social Security benefits
• The best claiming strategy based on your situation
________________________________________
đź“… WANT A CUSTOM RETIREMENT PLAN?
If you’ve lived and worked in both countries, your situation is more complex than most.
We specialize in helping Canadians in the U.S. build tax-efficient, cross-border retirement plans.
👉 Schedule a call with our team: https://retiremitten.com/schedule-a-meeting/
________________________________________
đź‘‹ ABOUT RETIREMITTEN FINANCIAL
We are a fee-only cross-border financial planning firm that helps Canadians living in the U.S. simplify their retirement decisions.
Our focus includes:
• CPP & Social Security optimization
• Cross-border tax planning
• RRSP / LIRA withdrawal strategies
• Retirement income planning
• U.S. vs Canada retirement decisions
________________________________________
🔍 KEY TOPICS COVERED
CPP vs Social Security
Canadians living in the U.S. retirement planning
Cross-border financial planning
CPP timing strategy
Social Security claiming strategy
Retiring in the U.S. vs Canada
Tax planning for Canadians in the U.S.
When to take CPP
When to take Social Security

________________________________________
DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.
________________________________________

04/14/2026

If you’ve worked in both the United States and Canada, estimating your retirement benefits can be complicated.
Download our Cross-Border Retirement Calculator to estimate your potential:
• Canada Pension Plan (CPP)
• Old Age Security (OAS)
• U.S. Social Security benefits
👉 Download here: https://retiremittencalculator.base44.app/

Watch the full video: https://youtu.be/psV8h24L69I

DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.

04/10/2026

Moving Back to Canada from the U.S.: Step-by-Step Guide (2026)

If you're a Canadian living in the United States and planning your move back, there are several critical steps you need to take before crossing the border. From healthcare gaps to bringing your belongings across, missing just one detail can create delays, stress, and unnecessary complications.
In this video, I walk you through the complete non-financial checklist for moving back to Canada—based on what I see Canadians get wrong all the time.
________________________________________
What You’ll Learn:
• How to confirm your residency status (dual citizen, or green card holder)
• What to do about U.S. green cards before leaving
• How Canadian healthcare works when you return (and how to avoid gaps)
• The right way to move your belongings across the border
• What to do with your driver’s license and documents
• How to set up banking and credit in Canada
• The most common mistakes people make, and how to avoid them
________________________________________
⚠️ Thinking About Moving Back to Canada?

This video covers the logistics, but where most people run into bigger problems is on the financial side:
• Taxes when leaving the U.S.
• What happens to your retirement accounts (401k, IRA, RRSP)
• CPP, OAS, and Social Security coordination

👉 If you're serious about getting this right, you can schedule a call here:
https://retiremitten.com/schedule-a-meeting/

(We work specifically with Canadians who have lived and worked in both countries.)
________________________________________
đź“Š Want a Personalized Cross-Border Retirement Estimate?
Get a custom breakdown of your:
• CPP
• OAS
• Social Security
👉 Try the calculator here: https://retiremittencalculator.base44.app/
________________________________________
đź‘‹ About RetireMitten Financial
We help Canadians living in the U.S. simplify their cross-border retirement planning.
If you’ve lived or worked in both countries, we can help you:
• Reduce taxes
• Optimize retirement income
• Avoid costly cross-border mistakes

________________________________________
DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.

03/27/2026

If you’ve worked in both the United States and Canada, estimating your retirement benefits can be complicated.
Download our Cross-Border Retirement Calculator to estimate your potential:
• Canada Pension Plan (CPP)
• Old Age Security (OAS)
• U.S. Social Security benefits
👉 Download here: https://retiremittencalculator.base44.app/

Watch the full video: https://youtu.be/m-xkXMa9bhA?si=OPzrrMdPUTOppuWd

DISCLOSURE
Investment advisory services are offered through RetireMitten Financial Planning, a registered investment adviser. Registration does not imply a certain level of skill or training. This video is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. The views expressed are those of RetireMitten Financial Planning and are subject to change without notice. This video is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any testimonials or endorsements appearing in this video were given by individuals who may or may not be clients of the firm.

For more information, please refer to our Form ADV and privacy policy available at https://retiremitten.com/.

Address

522 N Main Street
Milford, MI
48381

Telephone

+12489350470

Website

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