{"url":"https://nivawealth.com/firms/cardinal-point-capital-management-ulc-140619","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/140619","regulatoryAum":4808296667,"crd":"140619","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5730730","suffix":null,"lastName":"ADEMA","firstName":"JEFFREY","middleName":"ALAN"},{"crd":"8085124","suffix":null,"lastName":"Artem","firstName":"Christina","middleName":"Joy Emilia"},{"crd":"4669730","suffix":null,"lastName":"CARVALHO","firstName":"MATTHEW","middleName":"J"},{"crd":"4669674","suffix":null,"lastName":"FLECKE","firstName":"JOHN","middleName":"BRADFORD"},{"crd":"6715894","suffix":null,"lastName":"Hinterlong","firstName":"Michael","middleName":"Anthony"},{"crd":"3134630","suffix":"JR","lastName":"MCCORD","firstName":"JOHN","middleName":"CRAGIN"},{"crd":"7471625","suffix":null,"lastName":"Rossignoli","firstName":"Kristopher","middleName":null},{"crd":"4935024","suffix":null,"lastName":"TAYLOR","firstName":"SALLY","middleName":"ANN"}],"total":8,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-12","regulatoryAum":339240590,"clients":339,"employees":26,"offices":6},{"filedOn":"2022-06-03","regulatoryAum":504327488,"clients":402,"employees":27,"offices":6},{"filedOn":"2023-08-07","regulatoryAum":1440427266,"clients":902,"employees":37,"offices":6},{"filedOn":"2024-07-30","regulatoryAum":1581825396,"clients":945,"employees":41,"offices":6},{"filedOn":"2025-06-23","regulatoryAum":2246856073,"clients":1182,"employees":43,"offices":3},{"filedOn":"2026-04-21","regulatoryAum":4808296667,"clients":2387,"employees":56,"offices":4}],"acquisitions":[{"date":"2025-03-01","datePrecision":"day","name":"Dorchester Wealth Management","crd":"221519","source":"adv_w","dealType":"acquisition","sellerAum":1309111642,"sellerAumDate":"2024-03-29","sourceUrl":"https://adviserinfo.sec.gov/firm/summary/221519"}],"secFileNumber":"801-66719","legalName":"Cardinal Point Capital Management, Ulc","displayName":"Cardinal Point Capital Management, Ulc","slug":"cardinal-point-capital-management-ulc-140619","website":"https://cardinalpointwealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/cardinal-point-wealth-management","xUrl":"https://twitter.com/cardinalpointwm","founded":null,"organization":"other (specify) organized in Canada","fiscalYearEnd":"December","headquarters":{"street":"3280 Bloor Street West, Centre Tower, Suite 500","city":"Toronto, on","state":"","stateName":"","country":"Canada","postalCode":"M8X 2X3"},"tradeNames":["Cardinal Point Focus Partners Canada","Cardinal Point Wealth Management"],"registration":{"secApproved":"23 May 2006","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1918396.5112643677,"staff":{"employees":56,"advisory":24,"brokerDealerReps":0,"insuranceAgents":0,"promoters":6},"aum":{"regulatory":4808296667,"discretionary":4787749653,"discretionaryAccounts":8826,"nonDiscretionary":20547014,"nonDiscretionaryAccounts":31,"wrapProgram":null,"nonUsClientsPct":75,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":1041,"regulatoryAum":529377335},{"label":"High-net-worth individuals","clients":1134,"regulatoryAum":3643135077},{"label":"Charitable organizations","clients":17,"regulatoryAum":65260190},{"label":"Corporations and other businesses","clients":195,"regulatoryAum":570524065}],"feePrograms":[{"role":"main","program":"Portfolio Management and Financial Planning Fee Schedule","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1.25,"from":0},{"to":3000000,"pct":1.05,"from":1000000},{"to":7000000,"pct":0.8,"from":3000000},{"to":10000000,"pct":0.55,"from":7000000},{"to":15000000,"pct":0.45,"from":10000000},{"to":25000000,"pct":0.35,"from":15000000},{"to":null,"pct":0.25,"from":25000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027286","versionId":1027286,"ratePeriod":"not_stated","fee_billing":"arrears","submittedOn":"2026-03-26","documentName":"ADV PART 2A - 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They include 1,134 high-net-worth individuals, 1,041 individual clients, and 195 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 21 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cardinal Point Capital Management, Ulc offer?","answer":"Cardinal Point Capital Management, Ulc provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Cardinal Point Capital Management, Ulc charge?","answer":"Cardinal Point Capital Management, Ulc charges 0.25%–1.25% for its Portfolio Management and Financial Planning Fee Schedule. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee is billed in arrears and requires an account of at least $2,000,000.","source":"ADV PART 2A - FIRM BROCHURE, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cardinal Point Capital Management, Ulc use?","answer":"Cardinal Point Capital Management, Ulc’s separately managed account assets are held at National Bank Independent Network (Toronto, Ontario), with $1.98B, Fidelity Brokerage Services LLC (Smithfield, RI), with $863M, Fidelity Clearing Canada (Toronto, Ontario), with $732M and Charles Schwab & Co., Inc. (San Francisco, CA), with $486M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cardinal Point Capital Management, Ulc have?","answer":"Cardinal Point Capital Management, Ulc has 6 investment adviser representatives registered with state securities authorities, out of 56 employees, and 24 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cardinal Point Capital Management, Ulc invest in?","answer":"At the end of its last fiscal year, Cardinal Point Capital Management, Ulc’s separately managed accounts held 57% registered funds (mutual funds, ETFs, BDCs), 24% exchange-traded equities, 8% investment grade corporate bonds, 5% cash and equivalents, 3% state and local bonds, 2% U.S. government and agency bonds and 1% sovereign bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Cardinal Point Capital Management, Ulc have a minimum investment?","answer":"Yes, Cardinal Point Capital Management, Ulc’s minimum account size for its Portfolio Management and Financial Planning Fee Schedule is $2M.","source":"ADV PART 2A - FIRM BROCHURE, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Cardinal Point Capital Management, Ulc?","answer":"Cardinal Point Capital Management, Ulc is owned through a chain of holding companies by Ferdinand FFP Parent, Inc., CD&R Ferdinand Co-Investor, L.P. and Clayton Dubilier & Rice Fund Xii, L.P. Its direct owners are Focus Canada Wealth Management Holdings Ulc (75% or more), Focus Canada Wealth Management (75% or more) and GMG Private Counsel Ulc (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 21 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cardinal Point Capital Management, Ulc get paid?","answer":"Cardinal Point Capital Management, Ulc is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Cardinal Point Capital Management, Ulc?","answer":"Cardinal Point Capital Management, Ulc’s main office is at 3280 Bloor Street West, Centre Tower, Suite 500, Toronto, on, Canada M8X 2X3. Its phone number is 866-213-2036. 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