13F HOLDINGS REPORT

Cardinal Point Capital Management, ULC

Quarter ended Q4 2025 · Filed February 5, 2026 · Accession 0001950841-26-000001

Total Value

$1.53B

Positions

260

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (260)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908769	581,804	$195.1M	12.75%
2	APPLE INC	AAPL	274,167	$74.5M	4.87%
3	WISDOMTREE TR	WT	1,436,883	$72.3M	4.73%
4	VANGUARD SCOTTSDALE FDS	92206C706	1,088,041	$65.2M	4.26%
5	DIMENSIONAL ETF TRUST	25434V880	1,842,315	$60.3M	3.94%
6	VANGUARD INTL EQUITY INDEX F	922042775	814,585	$59.9M	3.92%
7	ISHARES TR	46434V282	741,187	$51.5M	3.36%
8	DIMENSIONAL ETF TRUST	25434V708	969,697	$38.4M	2.51%
9	ISHARES TR	464288414	356,448	$38.2M	2.50%
10	ROYAL BK CDA	780087102	198,039	$33.8M	2.21%
11	LITMAN GREGORY FDS TR	53700T827	1,164,616	$32.7M	2.14%
12	ALPHABET INC	GOOG	102,541	$32.2M	2.10%
13	PIMCO ETF TR	72201R585	1,074,809	$28.8M	1.88%
14	TORONTO DOMINION BK ONT	TORO	296,898	$28.0M	1.83%
15	PIMCO ETF TR	72201R635	555,458	$25.3M	1.65%
16	ISHARES GOLD TR	IAU	298,440	$24.2M	1.58%
17	BANK MONTREAL QUE	063671101	178,488	$23.2M	1.52%
18	ISHARES TR	46434V860	388,922	$19.6M	1.28%
19	JPMORGAN CHASE & CO.	VYLD	60,166	$19.4M	1.27%
20	WALMART INC	WMT	170,480	$19.0M	1.24%
21	CISCO SYS INC	CSCO	244,165	$18.8M	1.23%
22	SUNCOR ENERGY INC NEW	SU	395,317	$17.6M	1.15%
23	MANULIFE FINL CORP	56501R106	464,665	$16.9M	1.10%
24	BANK NOVA SCOTIA HALIFAX	064149107	219,961	$16.2M	1.06%
25	JOHNSON & JOHNSON	JNJ	76,385	$15.8M	1.03%
26	ENBRIDGE INC	ENNPF	327,831	$15.7M	1.03%
27	NEWMONT CORP	NEMCL	140,490	$14.0M	0.92%
28	TC ENERGY CORP	TRPRF	254,100	$14.0M	0.92%
29	MICROSOFT CORP	MSFT	28,504	$13.8M	0.90%
30	ORACLE CORP	ORCL-PD	69,582	$13.6M	0.89%
31	BERKSHIRE HATHAWAY INC DEL	BRK-A	26,399	$13.3M	0.87%
32	CANADIAN NATL RY CO	136375102	132,473	$13.1M	0.86%
33	VANECK ETF TRUST	92189F106	152,671	$13.1M	0.86%
34	ROGERS COMMUNICATIONS INC	RCIAF	328,047	$12.4M	0.81%
35	PHILIP MORRIS INTL INC	718172109	76,370	$12.3M	0.80%
36	AGNICO EAGLE MINES LTD	AEM	69,386	$11.8M	0.77%
37	INTERNATIONAL BUSINESS MACHS	INTR	36,991	$11.0M	0.72%
38	ALPHABET INC	GOOG	34,200	$10.7M	0.70%
39	CGI INC	GIB	112,078	$10.4M	0.68%
40	PEPSICO INC	PEP	71,217	$10.2M	0.67%
41	SUNOCOCORP LLC	SUNC	204,153	$10.1M	0.66%
42	CVS HEALTH CORP	CVS	122,555	$9.7M	0.64%
43	FIRST TR EXCH TRADED FD III	33739P103	135,565	$9.6M	0.63%
44	BROOKFIELD BUSINESS PARTNERS	BBUC	236,389	$8.4M	0.55%
45	OPEN TEXT CORP	OTEX	256,484	$8.4M	0.55%
46	FEDEX CORP	FDX	28,842	$8.3M	0.54%
47	DIMENSIONAL ETF TRUST	25434V716	190,293	$8.3M	0.54%
48	PFIZER INC	PFE	323,657	$8.1M	0.53%
49	VISA INC	V	22,604	$7.9M	0.52%
50	TESLA INC	TSLA	17,340	$7.8M	0.51%
51	CANADIAN NAT RES LTD	136385101	228,221	$7.7M	0.51%
52	AMAZON COM INC	AMZN	32,674	$7.5M	0.49%
53	NVIDIA CORPORATION	NVDA	38,079	$7.1M	0.46%
54	COSTCO WHSL CORP NEW	22160K105	7,880	$6.8M	0.44%
55	KENVUE INC	KVUE	303,690	$5.2M	0.34%
56	SCHWAB CHARLES CORP	SCHW-PJ	52,034	$5.2M	0.34%
57	COMCAST CORP NEW	CCZ	173,370	$5.2M	0.34%
58	VANGUARD WORLD FD	92204A702	6,185	$4.7M	0.30%
59	DISNEY WALT CO	254687106	40,668	$4.6M	0.30%
60	BROOKFIELD BUSINESS CORP	BBUC	119,133	$4.3M	0.28%
61	CENOVUS ENERGY INC	CVE	243,739	$4.1M	0.27%
62	COMFORT SYS USA INC	199908104	4,397	$4.1M	0.27%
63	VIATRIS INC	VTRS	327,681	$4.1M	0.27%
64	MCDONALDS CORP	MCD	12,539	$3.8M	0.25%
65	SPDR S&P 500 ETF TR	SPY	5,232	$3.6M	0.23%
66	INVESCO QQQ TR	IVZ	5,352	$3.3M	0.21%
67	DIMENSIONAL ETF TRUST	25434V690	74,795	$3.2M	0.21%
68	BOYD GROUP SERVICES INC	BGSI	18,600	$3.0M	0.19%
69	CANADIAN IMPERIAL BANK OF CO	CNDIF	29,449	$2.7M	0.17%
70	VANGUARD INDEX FDS	922908363	4,237	$2.7M	0.17%
71	BROOKFIELD CORP	11271J107	52,106	$2.4M	0.16%
72	ALAMOS GOLD INC NEW	AGI	60,092	$2.3M	0.15%
73	TELUS CORPORATION	TU	174,338	$2.3M	0.15%
74	CORNING INC	GLW	26,222	$2.3M	0.15%
75	EQUINOX GOLD CORP	EQX	159,075	$2.2M	0.15%
76	NIKE INC	NKE	34,902	$2.2M	0.15%
77	ISHARES TR	46436E676	61,660	$2.2M	0.14%
78	BANK AMERICA CORP	060505104	38,848	$2.1M	0.14%
79	TRANSALTA CORP	TACPF	168,411	$2.1M	0.14%
80	META PLATFORMS INC	META	3,210	$2.1M	0.14%
81	SUN LIFE FINANCIAL INC.	SUNFF	33,241	$2.1M	0.14%
82	ISHARES TR	46435G243	80,278	$2.0M	0.13%
83	ISHARES TR	464288760	9,170	$2.0M	0.13%
84	LAUDER ESTEE COS INC	518439104	18,475	$1.9M	0.13%
85	CITIGROUP INC	C-PR	16,439	$1.9M	0.13%
86	YETI HLDGS INC	YETI	41,845	$1.8M	0.12%
87	NEW GOLD INC CDA	644535106	205,600	$1.8M	0.12%
88	NETFLIX INC	NFLX	18,850	$1.8M	0.12%
89	CADENCE DESIGN SYSTEM INC	CDNS	5,550	$1.7M	0.11%
90	SELECT SECTOR SPDR TR	81369Y803	11,608	$1.7M	0.11%
91	ISHARES TR	46434V464	6,998	$1.6M	0.11%
92	UNITEDHEALTH GROUP INC	UNH	4,796	$1.6M	0.10%
93	ABBVIE INC	ABBV	6,870	$1.6M	0.10%
94	VERIZON COMMUNICATIONS INC	VZ	37,496	$1.5M	0.10%
95	BERKSHIRE HATHAWAY INC DEL	BRK-A	2	$1.5M	0.10%
96	PAYPAL HLDGS INC	PYPL	25,470	$1.5M	0.10%
97	ISHARES TR	464287200	2,138	$1.5M	0.10%
98	HOME DEPOT INC	HD	4,154	$1.4M	0.09%
99	BCE INC	BCPPF	59,687	$1.4M	0.09%
100	COLGATE PALMOLIVE CO	CL	17,960	$1.4M	0.09%
101	EXXON MOBIL CORP	XOM	11,526	$1.4M	0.09%
102	ISHARES TR	46436E668	33,485	$1.4M	0.09%
103	GE VERNOVA INC	GEV	1,956	$1.3M	0.08%
104	PAN AMERN SILVER CORP	697900108	24,416	$1.3M	0.08%
105	GILEAD SCIENCES INC	GILD	10,323	$1.3M	0.08%
106	SPDR GOLD TR	GLD	3,197	$1.3M	0.08%
107	LOWES COS INC	548661107	5,165	$1.2M	0.08%
108	CUMMINS INC	CMI	2,412	$1.2M	0.08%
109	BROOKFIELD INFRAST PARTNERS	G16252101	35,226	$1.2M	0.08%
110	SYNOPSYS INC	SNPS	2,507	$1.2M	0.08%
111	ISHARES TR	46435U549	23,859	$1.1M	0.07%
112	MAGNITE INC	MGNI	68,525	$1.1M	0.07%
113	MASTERCARD INCORPORATED	MA	1,914	$1.1M	0.07%
114	GOLDMAN SACHS GROUP INC	GSCE	1,197	$1.1M	0.07%
115	ISHARES INC	464286509	19,204	$1.0M	0.07%
116	UBER TECHNOLOGIES INC	UBER	11,860	$969,081	0.06%
117	PROCTER AND GAMBLE CO	742718109	6,598	$945,559	0.06%
118	PEMBINA PIPELINE CORP	PPLOF	23,876	$910,897	0.06%
119	INNOVATOR ETFS TRUST	INHD	19,478	$904,364	0.06%
120	TJX COS INC NEW	872540109	5,765	$885,562	0.06%
121	BARRICK MNG CORP	06849F108	19,690	$858,941	0.06%
122	MARATHON PETE CORP	MARA	5,207	$846,814	0.06%
123	ISHARES TR	464287614	1,772	$838,688	0.05%
124	DIMENSIONAL ETF TRUST	25434V682	20,166	$836,491	0.05%
125	ISHARES TR	464288224	50,061	$822,496	0.05%
126	INNOVATOR ETFS TRUST	INHD	26,550	$818,802	0.05%
127	ARIS MNG CORP	04040Y109	45,800	$743,841	0.05%
128	BRISTOL-MYERS SQUIBB CO	CELG-RI	13,763	$742,376	0.05%
129	ISHARES TR	46434V621	10,664	$740,314	0.05%
130	CANADIAN PACIFIC KANSAS CITY	CP	9,822	$724,145	0.05%
131	CAE INC	CAE	23,186	$706,102	0.05%
132	ELI LILLY & CO	LLY	656	$704,990	0.05%
133	BROOKFIELD RENEWABLE PARTNER	G16258108	25,571	$691,980	0.05%
134	MERCK & CO INC	MRK	6,390	$672,611	0.04%
135	VANGUARD INDEX FDS	922908553	7,400	$654,826	0.04%
136	ISHARES TR	46435U440	13,436	$644,058	0.04%
137	IRON MTN INC DEL	46284V101	7,610	$637,825	0.04%
138	DIMENSIONAL ETF TRUST	25434V104	13,454	$629,649	0.04%
139	WHEATON PRECIOUS METALS CORP	WPM	5,218	$614,312	0.04%
140	REPUBLIC SVCS INC	760759100	2,892	$612,902	0.04%
141	SOUTHWEST AIRLS CO	844741108	14,221	$590,314	0.04%
142	FIVE9 INC	FIVN	29,190	$585,260	0.04%
143	AMERICAN CENTY ETF TR	025072877	5,733	$584,651	0.04%
144	ISHARES TR	464287655	2,370	$583,399	0.04%
145	GE AEROSPACE	369604301	1,817	$560,265	0.04%
146	WASTE MGMT INC DEL	94106L109	2,521	$553,889	0.04%
147	NUTRIEN LTD	NTR	8,953	$553,406	0.04%
148	TFI INTL INC	87241L109	5,340	$552,740	0.04%
149	FORTIS INC	FTRSF	10,601	$551,939	0.04%
150	VANECK ETF TRUST	92189H805	7,375	$543,980	0.04%
151	MICRON TECHNOLOGY INC	MU	1,896	$541,286	0.04%
152	CHEVRON CORP NEW	CVX	3,550	$541,055	0.04%
153	B2GOLD CORP	BTG	119,450	$538,597	0.04%
154	INNOVATOR ETFS TRUST	INHD	12,770	$534,808	0.03%
155	IAMGOLD CORP	IAG	31,550	$521,383	0.03%
156	SOUTH BOW CORP	SOBO	18,907	$520,749	0.03%
157	ABBOTT LABS	ABLZF	4,077	$510,807	0.03%
158	MCKESSON CORP	MCK	616	$506,132	0.03%
159	ETFS GOLD TR	00326A104	11,742	$482,361	0.03%
160	TEXTRON INC	TXT	5,484	$478,150	0.03%
161	SELECT SECTOR SPDR TR	81369Y506	10,503	$469,577	0.03%
162	EA SERIES TRUST	02072L565	4,045	$465,580	0.03%
163	INVESCO DB COMMDY INDX TRCK	IVZ	20,450	$457,262	0.03%
164	FISERV INC	FISV	6,802	$456,890	0.03%
165	WISDOMTREE TR	WT	9,236	$449,424	0.03%
166	MORGAN STANLEY	MS-PQ	2,521	$447,499	0.03%
167	STARBUCKS CORP	SBUX	5,240	$441,260	0.03%
168	WELLS FARGO CO NEW	949746101	4,675	$435,710	0.03%
169	SOLARIS RES INC	SLSR	53,500	$429,374	0.03%
170	BROOKFIELD ASSET MANAGMT LTD	113004105	8,162	$428,169	0.03%
171	BOEING CO	BA-PA	1,970	$427,715	0.03%
172	VANECK ETF TRUST	92189F791	3,550	$403,919	0.03%
173	PUBMATIC INC	PUBM	45,000	$399,150	0.03%
174	ISHARES TR	46432F842	4,441	$397,261	0.03%
175	KINROSS GOLD CORP	KGCRF	14,050	$396,303	0.03%
176	ASA GOLD AND PRECIOUS MTLS L	G3156P103	6,575	$392,330	0.03%
177	SCHWAB STRATEGIC TR	808524201	14,490	$389,926	0.03%
178	VANGUARD INDEX FDS	922908744	2,016	$385,036	0.03%
179	TECK RESOURCES LTD	TCKRF	7,900	$378,746	0.02%
180	GILDAN ACTIVEWEAR INC	GIL	6,000	$375,558	0.02%
181	FIRST MAJESTIC SILVER CORP	AG	22,400	$374,259	0.02%
182	SALESFORCE INC	CRM	1,400	$370,874	0.02%
183	ISHARES TR	464289867	5,681	$369,322	0.02%
184	ISHARES TR	464287622	979	$365,598	0.02%
185	FRANCO NEV CORP	FNV	1,760	$365,342	0.02%
186	ISHARES TR	46432F339	1,834	$364,354	0.02%
187	PERPETUA RESOURCES CORP	PPTA	15,000	$363,673	0.02%
188	VANGUARD TAX-MANAGED FDS	921943858	5,774	$360,702	0.02%
189	VANGUARD WORLD FD	921910733	2,960	$358,042	0.02%
190	SERVICENOW INC	NOW	2,335	$357,699	0.02%
191	DIMENSIONAL ETF TRUST	25434V203	9,367	$356,983	0.02%
192	SKEENA RES LTD NEW	83056P715	15,000	$356,778	0.02%
193	STANLEY BLACK & DECKER INC	SWK	4,800	$356,544	0.02%
194	ALLIED GOLD CORP	AAUC	15,453	$354,587	0.02%
195	ECOLAB INC	ECL	1,312	$345,384	0.02%
196	MOTOROLA SOLUTIONS INC	MSI	898	$345,308	0.02%
197	VANGUARD BD INDEX FDS	921937827	4,187	$329,977	0.02%
198	ISHARES BITCOIN TRUST ETF	IBIT	6,610	$328,187	0.02%
199	VANGUARD WHITEHALL FDS	921946406	2,263	$324,847	0.02%
200	POWERFLEET INC	AIOT	60,500	$321,860	0.02%
201	ISHARES TR	464289859	3,593	$321,789	0.02%
202	FIRST SOLAR INC	FSLR	1,205	$314,782	0.02%
203	ARCHER DANIELS MIDLAND CO	ADM	5,475	$314,758	0.02%
204	ISHARES TR	464287598	1,458	$306,676	0.02%
205	PIMCO ETF TR	72201R775	3,241	$302,913	0.02%
206	CARRIER GLOBAL CORPORATION	CARR	5,540	$292,734	0.02%
207	BROWN FORMAN CORP	BF-B	11,200	$291,872	0.02%
208	DELTA AIR LINES INC DEL	DAL	4,200	$291,480	0.02%
209	UNITED PARCEL SERVICE INC	UPS	2,925	$290,131	0.02%
210	INNOVATOR ETFS TRUST	INHD	6,770	$282,851	0.02%
211	FORTUNA MNG CORP	349942102	28,750	$282,130	0.02%
212	VANGUARD INDEX FDS	922908629	956	$277,375	0.02%
213	FIDELITY MERRIMACK STR TR	316188309	5,930	$274,601	0.02%
214	ISHARES TR	464287291	2,600	$272,584	0.02%
215	INNOVATOR ETFS TRUST	INHD	6,295	$272,259	0.02%
216	BROOKFIELD RENEWABLE CORP	BEPC	7,068	$271,509	0.02%
217	SPDR SERIES TRUST	78468R556	2,150	$271,459	0.02%
218	ISHARES TR	464287234	4,950	$270,815	0.02%
219	AT&T INC	T-PC	10,675	$265,167	0.02%
220	ISHARES TR	464287507	4,010	$264,654	0.02%
221	QXO INC	QXO-PB	13,670	$263,694	0.02%
222	ISHARES INC	464286608	4,110	$263,451	0.02%
223	INNOVATOR ETFS TRUST	INHD	7,360	$258,557	0.02%
224	ETSY INC	ETSY	4,660	$258,350	0.02%
225	DOLLAR GEN CORP NEW	256677105	1,920	$254,918	0.02%
226	CARVANA CO	CVNA	600	$253,212	0.02%
227	ISHARES TR	464287754	1,700	$251,889	0.02%
228	INNOVATOR ETFS TRUST	INHD	5,690	$248,758	0.02%
229	RESTAURANT BRANDS INTL INC	76131D103	3,597	$245,801	0.02%
230	SPDR INDEX SHS FDS	78463X889	5,530	$245,587	0.02%
231	SPDR DOW JONES INDL AVERAGE	78467X109	510	$245,091	0.02%
232	VANGUARD INTL EQUITY INDEX F	922042858	4,479	$240,777	0.02%
233	HORMEL FOODS CORP	HRL	10,100	$239,370	0.02%
234	PHILLIPS 66	PSX	1,854	$239,240	0.02%
235	ISHARES TR	464287804	1,967	$236,452	0.02%
236	PINTEREST INC	PINS	9,050	$234,305	0.02%
237	HEICO CORP NEW	HEI-A	720	$232,985	0.02%
238	ISHARES TR	464287465	2,380	$228,551	0.01%
239	CAPITAL ONE FINL CORP	14040H105	940	$227,818	0.01%
240	OSISKO DEVELOPMENT CORP	OSDVF	67,000	$227,309	0.01%
241	ENTERPRISE PRODS PARTNERS L	293792107	6,980	$223,779	0.01%
242	SCHWAB STRATEGIC TR	808524102	8,481	$222,457	0.01%
243	EATON CORP PLC	ETN	695	$221,364	0.01%
244	INNOVATOR ETFS TRUST	INHD	6,100	$220,576	0.01%
245	ISHARES TR	464289875	4,584	$218,794	0.01%
246	VANGUARD MALVERN FDS	922020805	4,421	$218,663	0.01%
247	DIMENSIONAL ETF TRUST	25434V781	5,685	$216,030	0.01%
248	DELL TECHNOLOGIES INC	DELL	1,700	$213,996	0.01%
249	DEXCOM INC	DXCM	3,200	$212,384	0.01%
250	ISHARES TR	464287838	1,365	$209,596	0.01%
251	CROWDSTRIKE HLDGS INC	CRWD	445	$208,598	0.01%
252	TEXAS CAP BANCSHARES INC	88224Q107	2,300	$208,242	0.01%
253	TARGET CORP	TGT	2,100	$205,275	0.01%
254	KRAFT HEINZ CO	KHC	8,325	$201,881	0.01%
255	RTX CORPORATION	RTX	1,100	$201,740	0.01%
256	BAXTER INTL INC	071813109	10,250	$195,877	0.01%
257	PARK HOTELS & RESORTS INC	PK	17,175	$179,651	0.01%
258	MARQETA INC	MQ	31,969	$151,853	0.01%
259	VIEMED HEALTHCARE INC	VMD	12,480	$92,726	0.01%
260	HUDSON TECHNOLOGIES INC	HDSN	12,850	$88,023	0.01%