I saw this coming several years ago. I cashed in my IRA and drove north and opened a RSP (Canadian equivalent of an IRA) with TD Bank. There are quite a few TD bank branches in the Northern U.S. as well at TDAmeritrade (all owned by Toronto Dominion), but DON'T OPEN IT IN A u.s. BRANCH. The American government can empty any account that is centered in the U.S. The Canadian economy is flourishing and their dollar is on a par with the U.S. dollar. For the past six months it has been worth more. There is NO bank in Canada that is on shaky ground. The country is a net exporter and manufacturer of goods. Nothing has been off-shored and unemployment is about two percentage points below the U.S.