Jonah Ravel
Director of Cross Border Financial Planning
Canada & U.S. Health Care Advisor
B.A., CFP®(Canada), CFP® (US), F. Pl.
Email: jravel@mcacrossborder.com
Telephone: 514-940-8068
Jonah Ravel
Director of Cross Border Financial Planning
B.A., CFP®(Canada), CFP® (US), F. Pl.
Email: jravel@mcacrossborder.com
Telephone: 514-940-8068
Jonah is a Director of Cross Border Financial Planning at MCA Cross Border Advisors Inc.
Jonah Ravel is a Director of Cross Border Financial Planning at MCA Cross Border Advisors Inc. who holds the CERTIFIED FINANCIAL PLANNER® designation in both Canada and the U.S. as well as the Quebec Financial Planner (F. Pl.) designation.
Jonah is a seasoned financial professional with over 20 years of experience in the financial services industry. Before joining the team at MCA Cross Border Advisors Inc., Jonah worked in a variety of retail roles at some of Canada’s major banks where he developed advanced skills in the delivery of attentive and exceptional client service.
Accustomed to researching complex cross-border issues, Jonah excels at analyzing each client’s unique set of facts and providing tailored advice to help them optimize their cross-border lifestyle. As a writer of comprehensive cross-border financial plans, Jonah helps clients gain clarity on their complete cross-border picture by advising them on Canada/U.S. tax planning, retirement planning, estate planning, health coverage & insurance planning, and investment planning.
Education
- Bachelor of Arts (B.A.) with Great Distinction, McGill University, 2004
Awards & Recognition
- Ranked among the top 5% on the IQPF Financial Planning certification final exam
Certifications & Memberships
- Certified Financial Planner® (Canada)
- Certified Financial Planner ™ (US)
- Financial Planner (F. Pl.), Member of the Chambre de la sécurité financière
Recent Articles, Media Interviews & blogs by Jonah
WEP Repeal: Great News for Recipients of US Social Security and CPP Benefits
The Windfall Elimination Provision (WEP), which reduced US Social Security benefits for those receiving Canadian pensions, has been repealed under the "Social Security Fairness Act." Retirees can now collect full US and Canadian benefits without penalties.
Health Care Subsidies for Canadians Moving to the US
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.
Health Savings Accounts: A Powerful U.S. Tax Savings Opportunity
Canadians moving to the U.S. often ask about tax saving opportunities which await them as future U.S. residents. One such opportunity available to U.S. residents that we love explaining due to the powerful tax benefits it provides is the Health Savings Account or “HSA.” This should not be confused with the Canadian Health Spending Account which typically refers to a cafeteria health spending plan offered by Canadian group plans. The U.S. HSA is an individual savings vehicle that offers triple tax savings to eligible accountholders as I explain below.
HSAs can be opened at a variety of U.S. banks and other financial institutions. Being allowed to contribute to one requires being: 1) a U.S. resident; and 2) enrolled in an accompanying High Deductible Health Plan (HDHP).
CROSS BORDER PROFESSIONALS
Nakeita McKnight-Monrose
Client Services & Operations Specialist
Raeline Moreau
Client Services & Operations Coordinator
Aisha Shafiq
Client Service & Administration Specialist
Julia Wing
Client Services & Operations Coordinator
Bryson Orth
Investment Associate
Paula Zhang
Finance & Accounting Specialist
Ye Zhou
Senior Cross Border Tax Associate
