update
We have a meeting set up with RBC( usa) who have informed us that we can transfer IRA,roths and also rollover husbands 401k into a IRA while we are still residents of USA, as soon as he leaves his job we will start the rollover process.
This summer we will transfer (direct transfer) IRA ,roths to RBC (usa) ..........next time we are in canada we plan on opening a cross-boarder account with RBC in ontario, we will only deposit $1000 in it, I called them and they told me US residents are able to open accounts, I explained that we are planning on moving summer 2020, manager said no problem , and a few weeks before the move we can talk about money transfer for the purchase of our new home in ontario, she said since we will be customers of RBC in USA that would make things alot easier. She said we would also get a RBC visa card , without a problem since we will already have a RBC visa from USA . We plan on living on savings for 4 years after which time we will both be 60, then we can use funds from our roths...........btw you have to file a paper the first year you are in Canada with regards to keeping roths tax free...
I have a appt with a cross boarder tax specialist in Ontario this summer , just to discuss everything for the move.
We are currently with Fidelity, each time my husband asks for information with regards to being a non US residents he gets conflicting information !!! we have meeting with them in june, but I think we have decided to switch to RBC, we will not have a USA address once we sell our home, and RBC said this is not a problem.
I think someone mentioned W 8BEN, I was told this was for NON USA citizens only...we are dual citizens, we were told we would have to file W9 to the canadaian RBC, basically telling them our SS#.
I dont really know much about investing etc, but I know you cant have certain investments if you are a non US residents, we just want to keep things as simple as possible, the RBC usa informed us that we can still invest in EFTs , basically husband said if we can get 2-3% we are good !!
We are dual citizens, we do have a Canadian SSI # which needs to be activated upon arrival in ontario, also OHIp card has to be activated which takes 3 months.
sorry if this is going on and on, I have been researching this for months, there is so much involved in moving back home to Canada, I know it will all be for the best, we are so excited and happy to be moving back, it will be a sad day leaving our home here in USA, but its a new adventure !!!!
If anyone has questions I will try my best to answer, with regards to moving companys, exporting your car from usa ,then importing to canada, info on driving license exchange...the list is endless !!! I am willing to share any information I have found, thank you, have a great day.