The Interesting MD Podcast Moving to Canada as a Doctor: Cross-Border Taxes, Healthcare, and Retirement Explained
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Jan 13, 2026 In this enlightening discussion, cross-border tax consultant Sonya Dolguina shares her expertise on the intricacies of moving from the U.S. to Canada as a doctor. She emphasizes the importance of early planning, detailing dual residency rules and tax obligations. Sonya explains why certain business structures, like LLCs, can complicate matters and offers insight into Canadian tax benefits such as RRSPs and TFSAs. With her guidance, healthcare professionals can navigate investment strategies and avoid costly mistakes during their cross-border transition.
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Employees: Withholding Eases Cross-Border Tax
- If you're employed in Canada your employer withholds taxes and CPP/EI, and you claim U.S. foreign tax credits to avoid double taxation.
- Keep careful records and know Canadian withholding can often prevent owing extra to the IRS.
Avoid Double Self-Employment Taxes
- Self-employed physicians should track deductible expenses and request a U.S. waiver to avoid paying both U.S. self-employment tax and CPP.
- Apply for a certificate of coverage to prevent double social-taxation.
Think Twice Before Incorporating
- Don’t rush to incorporate in Canada; test your cash flow and only incorporate if tax-deferral benefits exceed costs and U.S. GILTI impacts.
- Factor in extra filings (e.g., Form 5471), professional fees, and GILTI rules before forming a foreign corporation.
