<prompt> Human: I live in the US, am a US citizen, and am in my late 20s. There is a significant chance that Ill want to move to Canada later in my career or when I retire. How would later work in Canada and retirement there affect my retirement saving strategy? Im currently maxing out a roth IRA and trad 403b. I suppose I might lose the benefits of the Roth IRA if I receive money from it in Canada. Is this correct? Is there anything else I should know to prepare for this possibility?Thanks pf!  <response>: USA - Canada is generally stress free, especially as youre a US citizen, youll be filing US tax returns every year anyway. Your Roth IRA will be fine as the CRA treats it like a TFSA, although you may need to move it to a broker that works on both sides of the border. Itll be treated by the CRA as a foreign investment account, so youll need to file an extra form every year, but wont pay any taxes or fees or anything.Canada - USA is pretty stress free aside from the IRS not recognizing TFSAs. RRSPs and 401403 accounts are basically interchangeable from the CRAIRS point of view because weve got extensive tax treaties. 