agree with previous comments
if your $ are here, not much point in sending it overseas
fees and exchange are gonna be nasty
and CRA already knows
if it's overseas or you're gonna have income from other places
then yeah, park it offshore and repatriate only what you need to meet commitments
don't have to be a fat-cat for this
bank I mentioned earlier is not tailored to 1% dooshes
they are happy to take business from regular folks
like I said, fees are high
so you need to do some budgeting and send what you need to get by for a while
my routine was quarterly