Jessica Lachance
Senior Cross Border Financial Planner & Estate Planning Specialist
BBA, RLU, CFP, F. PI.
Email: jlachance@mcacrossborder.com
Telephone: 514-940-8204
Jessica is a Senior Cross Border Financial Planner & Estate Planning Specialist at MCA Cross Border Advisors Inc.
Jessica Lachance is a Senior Cross Border Financial Planner & Estate Planning Specialist for MCA Cross Border Advisors Inc. With a background in international business and over 10 years of financial planning experience, Jessica is a highly qualified planner whose passion for numbers is matched only by her determination to help clients achieve their financial goals. Her areas of expertise include financial planning for ultra-high-net-worth individuals, leveraging insurance to protect estates, and building tax efficient retirement plans.
Before joining MCA, Jessica assisted clients with financial planning at CIBC, Manulife and Industrial Alliance. She also started her own financial education initiative aimed at spreading knowledge and introducing financial management skills to young people. Jessica is trilingual, in English, Spanish and French.
When she is not working or educating youth, Jessica can be found competing in synchronized skating competitions or snowboarding.
Education
- Certificate in Financial Planning, Université du Québec à Montréal, 2017
- Bachelor of Business Administration with a major in International Business, Laval University, 2014
Certifications & Memberships
- Certified Financial Planner® (CFP), Canada
- Financial Planner (F. Pl.) Canada
- Registered Life Underwriter (RLU), Canada
- Life License Qualification Program (LLQP), Canada
- Insurance of persons member with the Chambre de la sécurité financière (AMF)
- Member of the Institut québécois de planification financière (IQPF)
Recent Articles, Media Interviews & blogs by Jessica
Tax Filing Considerations for Mixed US / Canadian Citizen Couples Living in Canada
How Canadians moving to the US can manage US health care costs. It highlights Affordable Care Act subsidies based on income, making insurance more affordable regardless of wealth. Recent expansions allow coverage up to 8.5% of income for those over 400% of the Federal Poverty Level. It suggests income estimation strategies and explores Global Health Insurance or US Medicare options for Canadians.
Roth IRAs held by Canadian Residents
US citizens living in Canada or those who worked in the US in the past and later moved to Canada often have Roth IRAs. They may wonder what the impact is of contributing to their Roth IRA as a Canadian resident. After all, it is quite possible for a Canadian resident contribution to be made inadvertently, for example, right after a move to Canada or as part of a US citizen’s desire to contribute to tax-advantaged accounts beyond the TFSA and RRSP available to Canadian residents. Roth IRAs, like TFSAs, are funded with after-tax dollars and feature tax-free growth and tax-free withdrawals as long as the IRS’s holding requirements are met.
CROSS BORDER PROFESSIONALS
Casper Wong
Senior Cross Border Tax Associate
Ye Zhou
Cross Border Tax Associate
Nakeita McKnight-Monrose
Client Services & Administration Specialist
