A specialized fintech tool that ingests a user's cross-border situation (residency, account types, balances, citizenship) and generates a personalized action plan: which institutions accept their account type as a non-resident, applicable tax treaty provisions, required forms (W-8BEN, W-9, NR4), estimated tax withholdings, and vetted cross-border financial advisor referrals. The platform automates document preparation and tracks transfer progress across institutions.

US-Canada migration continues to grow, and recent brokerage policy changes (e.g., Questrade restricting certain US-state LIRA holders) are leaving more people stranded with inaccessible retirement funds. The complexity of cross-border finance is increasing while institutional support for it remains fragmented.