IRA clarification - Shaun Rickerby - TD Waterhouse

Hi David,
In the past, you have advised Canadians who are living in the US and returning to Canada to keep their IRA intact due to the historically strong US economy. I just looked into my personal situation with Ameritrade where I hold both Margin and IRA accounts. According to Ameritrade, I would need to transfer my Margin acct to Ameritrade Canada (due to Canada Securities regulations), and I could not longer keep my IRA with them since they can't deal with clients who have a Canadian address. They recommended that I do some research to find out if there is a US company who will allow me to keep an IRA with them and then I would need to transfer it. I'm also hoping that I will be able to continue to trade within the account in order to allow me to grow it over time...if not, then I would be tempted to pay the penalty and move it.
Please advise on how I might go about keeping my IRA intact if I return to Canada, whether or not I would be able to continue to trade in it, and what the penalty situation would be if I felt forced to withdraw the money.
thx
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david ingram replies:
All anyone seems to be doing is using a US mailing address for their account.
Otherwise, give Shaun Rickerby a call at 604 482-5188 - Shaun is with TD-Waterhouse and went to the effort to be licensed in a whole bunch of states.
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