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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F HOLDINGS REPORT

Cardinal Point Capital Management, ULC

Quarter ended Q3 2025 · Filed November 6, 2025 · Accession 0001950841-25-000002

Total Value
$1.43B
Positions
266
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (266)

#IssuerTicker / CUSIPSharesValue% of Filing
1VANGUARD INDEX FDS922908769569,574$186.2M13.03%
2WISDOMTREE TRWT1,425,906$71.8M5.02%
3APPLE INCAAPL278,354$70.6M4.94%
4VANGUARD SCOTTSDALE FDS92206C706991,034$59.7M4.18%
5DIMENSIONAL ETF TRUST25434V8801,790,092$55.8M3.91%
6VANGUARD INTL EQUITY INDEX F922042775779,705$55.6M3.89%
7ISHARES TR46434V282722,756$49.4M3.46%
8ISHARES TR464288414349,470$37.4M2.62%
9DIMENSIONAL ETF TRUST25434V708934,099$35.7M2.50%
10LITMAN GREGORY FDS TR53700T8271,123,011$31.4M2.20%
11ROYAL BK CDA780087102199,081$29.3M2.05%
12PIMCO ETF TR72201R585997,175$26.6M1.86%
13ALPHABET INCGOOG107,687$26.2M1.84%
14TORONTO DOMINION BK ONTTORO298,640$23.9M1.67%
15ISHARES GOLD TRIAU300,056$23.2M1.63%
16BANK MONTREAL QUE063671101177,447$23.1M1.62%
17JPMORGAN CHASE & CO.VYLD59,463$18.8M1.31%
18ORACLE CORPORCL-PD66,433$18.7M1.31%
19WALMART INCWMT164,808$17.0M1.19%
20ENBRIDGE INCENNPF328,738$16.6M1.16%
21CISCO SYS INCCSCO241,236$16.5M1.15%
22ISHARES TR46434V860321,727$16.2M1.14%
23SUNCOR ENERGY INC NEWSU386,319$16.2M1.13%
24BANK NOVA SCOTIA HALIFAX064149107218,990$14.2M0.99%
25MANULIFE FINL CORP56501R106453,336$14.1M0.99%
26JOHNSON & JOHNSONJNJ75,657$14.0M0.98%
27TC ENERGY CORPTRPRF252,443$13.7M0.96%
28MICROSOFT CORPMSFT26,371$13.6M0.95%
29BERKSHIRE HATHAWAY INC DELBRK-A26,489$13.1M0.92%
30AGNICO EAGLE MINES LTDAEM70,396$11.9M0.83%
31NEWMONT CORPNEMCL140,460$11.8M0.83%
32VANECK ETF TRUST92189F106154,445$11.8M0.83%
33CANADIAN NATL RY CO136375102124,426$11.7M0.82%
34ROGERS COMMUNICATIONS INCRCIAF330,330$11.4M0.80%
35PHILIP MORRIS INTL INC71817210968,786$11.2M0.78%
36INTERNATIONAL BUSINESS MACHSINTR36,671$10.3M0.72%
37EMERA INCEMRJF213,007$10.2M0.71%
38PEPSICO INCPEP69,232$9.7M0.68%
39OPEN TEXT CORPOTEX258,139$9.6M0.68%
40CGI INCGIB107,383$9.6M0.67%
41CVS HEALTH CORPCVS123,920$9.3M0.65%
42WILLIS TOWERS WATSON PLC LTDWTW25,591$8.8M0.62%
43FIRST TR EXCH TRADED FD III33739P103127,324$8.8M0.61%
44ALPHABET INCGOOG33,388$8.1M0.57%
45PFIZER INCPFE314,272$8.0M0.56%
46DIMENSIONAL ETF TRUST25434V716188,873$7.9M0.56%
47BROOKFIELD BUSINESS PARTNERSBBUC235,564$7.7M0.54%
48VISA INCV22,384$7.6M0.54%
49TESLA INCTSLA17,379$7.6M0.53%
50COSTCO WHSL CORP NEW22160K1057,824$7.2M0.51%
51CANADIAN NAT RES LTD136385101219,331$7.0M0.49%
52NVIDIA CORPORATIONNVDA36,731$6.9M0.48%
53COMCAST CORP NEWCCZ212,775$6.7M0.47%
54FEDEX CORPFDX27,553$6.5M0.45%
55AMAZON COM INCAMZN29,124$6.4M0.45%
56KENVUE INCKVUE337,782$5.5M0.38%
57DISNEY WALT CO25468710641,165$4.7M0.33%
58VANGUARD WORLD FD92204A7026,197$4.7M0.33%
59CENOVUS ENERGY INCCVE244,634$4.2M0.29%
60BROOKFIELD BUSINESS CORPBBUC113,878$3.8M0.27%
61INVESCO QQQ TRIVZ6,173$3.7M0.26%
62COMFORT SYS USA INC1999081044,472$3.7M0.26%
63MCDONALDS CORPMCD11,802$3.6M0.25%
64SPDR S&P 500 ETF TRSPY5,180$3.4M0.24%
65VIATRIS INCVTRS327,100$3.2M0.23%
66DIMENSIONAL ETF TRUST25434V69072,446$3.0M0.21%
67META PLATFORMS INCMETA3,639$2.7M0.19%
68TELUS CORPORATIONTU164,418$2.6M0.18%
69VANGUARD INDEX FDS9229083634,112$2.5M0.18%
70BROOKFIELD CORP11271J10735,195$2.4M0.17%
71CANADIAN IMPERIAL BANK OF COCNDIF29,485$2.4M0.16%
72NIKE INCNKE33,377$2.3M0.16%
73METTLER TOLEDO INTERNATIONALMTD1,845$2.3M0.16%
74TRANSALTA CORPTACPF164,585$2.2M0.16%
75AMRIZE LTDAMRZ46,185$2.2M0.16%
76CORNING INCGLW26,922$2.2M0.15%
77NETFLIX INCNFLX1,829$2.2M0.15%
78ISHARES TR46436E67661,865$2.2M0.15%
79ALAMOS GOLD INC NEWAGI60,092$2.1M0.15%
80CADENCE DESIGN SYSTEM INCCDNS5,680$2.0M0.14%
81ISHARES TR46435G24378,083$2.0M0.14%
82BANK AMERICA CORP06050510438,156$1.9M0.13%
83SUN LIFE FINANCIAL INC.SUNFF31,969$1.9M0.13%
84ISHARES TR4642887609,170$1.9M0.13%
85EQUINOX GOLD CORPEQX164,725$1.8M0.13%
86PIMCO ETF TR72201R63539,600$1.8M0.13%
87CITIGROUP INCC-PR17,507$1.8M0.12%
88VERIZON COMMUNICATIONS INCVZ37,296$1.6M0.11%
89ISHARES TR46434V4647,082$1.6M0.11%
90SELECT SECTOR SPDR TR81369Y8035,567$1.6M0.11%
91SYNOPSYS INCSNPS3,507$1.6M0.11%
92ABBVIE INCABBV6,570$1.5M0.11%
93LAUDER ESTEE COS INC51843910416,860$1.5M0.10%
94BERKSHIRE HATHAWAY INC DELBRK-A2$1.5M0.10%
95NEW GOLD INC CDA644535106205,600$1.5M0.10%
96LOWES COS INC5486611075,715$1.4M0.10%
97BCE INCBCPPF60,370$1.4M0.10%
98COLGATE PALMOLIVE COCL17,907$1.4M0.10%
99ISHARES TR4642872002,084$1.4M0.10%
100YETI HLDGS INCYETI41,545$1.4M0.10%
101UNITEDHEALTH GROUP INCUNH3,966$1.4M0.10%
102ISHARES TR46436E66833,370$1.4M0.09%
103FISERV INCFISV9,407$1.2M0.08%
104ISHARES TR46435U54925,114$1.2M0.08%
105PAYPAL HLDGS INCPYPL17,970$1.2M0.08%
106GILEAD SCIENCES INCGILD10,823$1.2M0.08%
107BROOKFIELD INFRAST PARTNERSG1625210135,690$1.2M0.08%
108HOME DEPOT INCHD2,844$1.2M0.08%
109UBER TECHNOLOGIES INCUBER11,550$1.1M0.08%
110MASTERCARD INCORPORATEDMA1,898$1.1M0.08%
111PAN AMERN SILVER CORP69790010827,012$1.0M0.07%
112SPDR GOLD TRGLD2,698$994,0740.07%
113PEMBINA PIPELINE CORPPPLOF24,376$985,3010.07%
114PROCTER AND GAMBLE CO7427181096,237$958,3150.07%
115GOLDMAN SACHS GROUP INCGSCE1,197$953,2310.07%
116FIVE9 INCFIVN39,090$945,9780.07%
117GE VERNOVA INCGEV1,505$938,3140.07%
118INNOVATOR ETFS TRUSTINHD19,478$885,3720.06%
119VODAFONE GROUP PLC NEW92857W30874,465$863,7940.06%
120ISHARES TR4642876141,802$844,3810.06%
121IRON MTN INC DEL46284V1018,200$837,7940.06%
122TJX COS INC NEW8725401095,765$833,2730.06%
123EXXON MOBIL CORPXOM7,385$831,1870.06%
124DIMENSIONAL ETF TRUST25434V68219,975$819,3580.06%
125ISHARES TR46428822449,365$808,1050.06%
126MAGNITE INCMGNI37,100$808,0380.06%
127INNOVATOR ETFS TRUSTINHD26,550$795,4060.06%
128ISHARES TR4642876553,174$770,1630.05%
129BRISTOL-MYERS SQUIBB COCELG-RI16,413$740,2260.05%
130MEDTRONIC PLCMDT7,722$735,4430.05%
131ISHARES INC46428650914,241$719,8830.05%
132BARRICK MNG CORP06849F10821,790$715,4810.05%
133ISHARES TR46434V62110,561$713,9420.05%
134CAE INCCAE23,386$692,2900.05%
135BROOKFIELD RENEWABLE PARTNERG1625810826,796$690,4480.05%
136ISHARES TR46435U44013,158$633,6860.04%
137INTEL CORPINTC18,621$624,7350.04%
138B2GOLD CORPBTG126,050$622,9610.04%
139TEXTRON INCTXT7,484$611,7420.04%
140DIMENSIONAL ETF TRUST25434V10413,419$610,3150.04%
141WHEATON PRECIOUS METALS CORPWPM5,075$567,7610.04%
142FORTIS INCFTRSF11,057$560,6740.04%
143AMERICAN CENTY ETF TR0250728775,733$559,1970.04%
144CHEVRON CORP NEWCVX3,550$551,2790.04%
145SOUTH BOW CORPSOBO19,468$550,7150.04%
146MERCK & CO INCMRK6,540$548,9020.04%
147WASTE MGMT INC DEL94106L1092,465$536,6120.04%
148TELEFONAKTIEBOLAGET LM ERICS29482160864,750$535,4820.04%
149NUTRIEN LTDNTR9,071$532,5570.04%
150INNOVATOR ETFS TRUSTINHD12,770$524,4540.04%
151ELI LILLY & COLLY645$511,9310.04%
152ARIS MNG CORP04040Y10951,900$508,5240.04%
153IAMGOLD CORPIAG39,150$505,6510.04%
154MCKESSON CORPMCK646$497,4510.03%
155ABBOTT LABSABLZF3,708$496,6500.03%
156BROOKFIELD ASSET MANAGMT LTD1130041058,702$495,0780.03%
157ISHARES BITCOIN TRUST ETFIBIT7,525$494,7550.03%
158STARBUCKS CORPSBUX5,645$477,5670.03%
159GE AEROSPACE3696043011,579$470,2590.03%
160GLOBAL X FDS37954Y6739,816$462,0460.03%
161EA SERIES TRUST02072L5654,045$461,0490.03%
162ETFS GOLD TR00326A10411,742$460,0520.03%
163INVESCO DB COMMDY INDX TRCKIVZ20,450$457,0580.03%
164MERCADOLIBRE INCMELI195$455,7030.03%
165SOUTHWEST AIRLS CO84474110814,221$453,6500.03%
166KINROSS GOLD CORPKGCRF18,150$450,3280.03%
167CARRIER GLOBAL CORPORATIONCARR7,360$439,3920.03%
168TFI INTL INC87241L1094,960$436,3920.03%
169DIAGEO PLCDGEAF4,540$433,2520.03%
170WISDOMTREE TRWT9,236$429,7510.03%
171PINTEREST INCPINS13,250$426,2520.03%
172CUMMINS INCCMI1,000$422,3700.03%
173BOEING COBA-PA1,910$412,2350.03%
174SERVICENOW INCNOW445$411,0470.03%
175MOTOROLA SOLUTIONS INCMSI898$410,7360.03%
176ZOETIS INCZTS2,800$409,6960.03%
177WELLS FARGO CO NEW9497461014,675$391,8590.03%
178FRANCO NEV CORPFNV1,760$391,6350.03%
179MORGAN STANLEYMS-PQ2,512$389,6290.03%
180CANADIAN PACIFIC KANSAS CITYCP5,228$389,2550.03%
181ISHARES TR46432F8424,445$385,8340.03%
182INVESCO EXCHANGE TRADED FD TIVZ5,216$377,1460.03%
183ASA GOLD AND PRECIOUS MTLS LG3156P1038,025$367,5450.03%
184AMPLIFY ETF TR0321086644,079$358,0090.03%
185ISHARES TR464287622981$357,1230.02%
186VANECK ETF TRUST92189H8055,405$355,5410.02%
187ISHARES TR4642898675,526$354,1610.02%
188ISHARES TR46432F3391,834$353,8250.02%
189VANECK ETF TRUST92189F7913,550$351,5570.02%
190PIMCO ETF TR72201R7753,745$350,5690.02%
191STANLEY BLACK & DECKER INCSWK4,675$347,4930.02%
192SALESFORCE INCCRM1,440$341,2800.02%
193SOLARIS RES INCSLSR53,500$341,2690.02%
194DIMENSIONAL ETF TRUST25434V2039,305$336,1870.02%
195ARCHER DANIELS MIDLAND COADM5,575$333,0500.02%
196VANGUARD TAX-MANAGED FDS9219438585,493$328,4810.02%
197PUBMATIC INCPUBM39,500$327,0600.02%
198FORTUNA MNG CORP34994210236,450$326,2460.02%
199ETSY INCETSY4,785$317,6760.02%
200POWERFLEET INCAIOT60,500$317,0200.02%
201AT&T INCT-PC11,218$316,7960.02%
202VANGUARD WHITEHALL FDS9219464062,263$315,7700.02%
203ECOLAB INCECL1,162$314,8320.02%
204PERPETUA RESOURCES CORPPPTA15,000$303,4260.02%
205ALLIED GOLD CORPAAUC17,353$303,1570.02%
206NOVARTIS AGNVSEF2,345$300,7230.02%
207ISHARES TR4642898593,427$300,4450.02%
208ISHARES TR4642875981,484$299,1300.02%
209MOSAIC CO NEWMOS8,375$290,4450.02%
210ROBLOX CORPRBLX2,223$285,0780.02%
211SPDR SERIES TRUST78468R5562,150$284,1660.02%
212INNOVATOR ETFS TRUSTINHD6,770$278,7210.02%
213SKEENA RES LTD NEW83056P71515,000$276,1660.02%
214FIDELITY MERRIMACK STR TR3161883095,930$275,6860.02%
215FIRST MAJESTIC SILVER CORPAG22,400$274,9920.02%
216BROWN FORMAN CORPBF-B10,000$270,8000.02%
217ISHARES TR4642872912,600$267,9040.02%
218THE CAMPBELLS COMPANYCPB8,450$266,8510.02%
219INNOVATOR ETFS TRUSTINHD6,295$266,6440.02%
220FIRST SOLAR INCFSLR1,205$265,7390.02%
221SCHWAB STRATEGIC TR80852420110,068$264,4860.02%
222ISHARES TR4642872344,950$264,3300.02%
223ISHARES TR4642877541,800$262,5750.02%
224PARK HOTELS & RESORTS INCPK23,525$260,6570.02%
225BP PLCBPPFF7,525$259,3110.02%
226ISHARES TR4642875074,009$258,5560.02%
227VANGUARD WORLD FD9219107332,170$255,9520.02%
228ISHARES INC4642866084,110$252,6830.02%
229INNOVATOR ETFS TRUSTINHD7,360$252,4480.02%
230WISDOMTREE TRWT6,530$251,1110.02%
231RESTAURANT BRANDS INTL INC76131D1033,902$250,2480.02%
232ALIBABA GROUP HLDG LTDBBAAY1,400$250,2220.02%
233MICRON TECHNOLOGY INCMU1,296$249,9790.02%
234SPDR INDEX SHS FDS78463X2023,975$246,7280.02%
235BROOKFIELD RENEWABLE CORPBEPC7,168$246,6910.02%
236INNOVATOR ETFS TRUSTINHD5,690$243,6460.02%
237ISHARES TR4642874652,575$240,4280.02%
238DELTA AIR LINES INC DELDAL4,200$238,3500.02%
239SPDR DOW JONES INDL AVERAGE78467X109510$236,5070.02%
240SPDR INDEX SHS FDS78463X8895,530$236,1310.02%
241OSISKO DEVELOPMENT CORPOSDVF69,000$235,9310.02%
242KRAFT HEINZ COKHC9,025$235,0110.02%
243HEICO CORP NEWHEI-A720$232,4300.02%
244ISHARES TR4642878041,975$230,2700.02%
245VANGUARD MALVERN FDS9220208054,421$221,6250.02%
246VANGUARD INTL EQUITY INDEX F9220428584,079$220,2510.02%
247SCHWAB STRATEGIC TR8085241028,605$220,2020.02%
248DOLLAR GEN CORP NEW2566771052,120$219,1020.02%
249AIR PRODS & CHEMS INCAIIR800$218,1760.02%
250ASML HOLDING N VASMLF225$217,8200.02%
251HORMEL FOODS CORPHRL8,800$217,7120.02%
252ISHARES TR4642898754,584$216,9610.02%
253INNOVATOR ETFS TRUSTINHD6,100$214,5070.02%
254EATON CORP PLCETN570$213,3230.01%
255HONEYWELL INTL INC4385161061,009$212,3950.01%
256UNITED PARCEL SERVICE INCUPS2,525$210,9130.01%
257DEXCOM INCDXCM3,200$208,6400.01%
258FLOWERS FOODS INCFLO15,600$203,5800.01%
259ETF SER SOLUTIONS26922A4201,809$202,5090.01%
260SPDR SERIES TRUST78464A8701,919$202,0490.01%
261ISHARES TR4642878381,365$201,8830.01%
262DIMENSIONAL ETF TRUST25434V7815,685$201,4200.01%
263ISHARES TR46429B5983,786$200,5580.01%
264MARQETA INCMQ31,969$168,7960.01%
265HUDSON TECHNOLOGIES INCHDSN12,850$127,6000.01%
266VIEMED HEALTHCARE INCVMD12,480$84,7390.01%