Institutional Manager · CIK 0001950841
Cardinal Point Capital Management ULC
TORONTO, A6 · File #028-23292
Latest AUM
$1.53B
Positions
260
Top-10 Concentration
52.9%
Filings
9
Portfolio Value Over Time
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
Biggest QoQ Changes
Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.
| Action | Issuer | Ticker / CUSIP | Δ Shares | Flow ($) | Price Effect |
|---|---|---|---|---|---|
| ADD | PIMCO ETF TR | 72201R635 | +515,858 | +$23.5M | +$1,180 |
| EXITED | EMERA INC | 290876101 | -213,007 | -$10.2M | $0 |
| NEW | SUNOCOCORP LLC | SUNC | +204,153 | +$10.1M | $0 |
| EXITED | WILLIS TOWERS WATSON PLC LTD | G96629103 | -25,591 | -$8.8M | $0 |
| ADD | VANGUARD SCOTTSDALE FDS | 92206C706 | +97,007 | +$5.8M | -$317,103 |
| NEW | SCHWAB CHARLES CORP | SCHW-PJ | +52,034 | +$5.2M | $0 |
| ADD | VANGUARD INDEX FDS | 922908769 | +12,230 | +$4.1M | +$4.8M |
| ADD | ISHARES TR | 46434V860 | +67,195 | +$3.4M | -$9,691 |
| NEW | BOYD GROUP SERVICES INC | BGSI | +18,600 | +$3.0M | $0 |
| ADD | VANGUARD INTL EQUITY INDEX F | 922042775 | +34,880 | +$2.6M | +$1.8M |
Sector Allocation
Filing History
- 13F HOLDINGS REPORTQ/E Dec 2025260 pos · $1.53B
- 13F HOLDINGS REPORTQ/E Sep 2025266 pos · $1.43B
- 13F HOLDINGS REPORTQ/E Jun 2025242 pos · $1.26B
- 13F HOLDINGS REPORTQ/E Mar 2025179 pos · $1.09B
- 13F HOLDINGS REPORTQ/E Dec 202484 pos · $629.9M
- 13F HOLDINGS REPORTQ/E Sep 202483 pos · $599.9M
- 13F HOLDINGS REPORTQ/E Jun 202473 pos · $574.8M
- 13F HOLDINGS REPORTQ/E Mar 202472 pos · $525.6M
- 13F HOLDINGS REPORTQ/E Dec 202367 pos · $382.2M
Top 20 Holdings — Dec 2025
| # | Issuer | Ticker | Shares | Value | % of Portfolio |
|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS | 922908769 | 581,804 | $195.1M | 14.97% |
| 2 | APPLE INC | AAPL | 274,167 | $74.5M | 5.72% |
| 3 | WISDOMTREE TR | WT | 1,436,883 | $72.3M | 5.55% |
| 4 | VANGUARD SCOTTSDALE FDS | 92206C706 | 1,088,041 | $65.2M | 5.01% |
| 5 | DIMENSIONAL ETF TRUST | 25434V880 | 1,842,315 | $60.3M | 4.63% |
| 6 | VANGUARD INTL EQUITY INDEX F | 922042775 | 814,585 | $59.9M | 4.60% |
| 7 | ISHARES TR | 46434V282 | 741,187 | $51.5M | 3.95% |
| 8 | DIMENSIONAL ETF TRUST | 25434V708 | 969,697 | $38.4M | 2.95% |
| 9 | ISHARES TR | 464288414 | 356,448 | $38.2M | 2.93% |
| 10 | ROYAL BK CDA | 780087102 | 198,039 | $33.8M | 2.60% |
| 11 | LITMAN GREGORY FDS TR | 53700T827 | 1,164,616 | $32.7M | 2.51% |
| 12 | ALPHABET INC | GOOG | 102,541 | $32.2M | 2.47% |
| 13 | PIMCO ETF TR | 72201R585 | 1,074,809 | $28.8M | 2.21% |
| 14 | TORONTO DOMINION BK ONT | TORO | 296,898 | $28.0M | 2.15% |
| 15 | PIMCO ETF TR | 72201R635 | 555,458 | $25.3M | 1.94% |
| 16 | ISHARES GOLD TR | IAU | 298,440 | $24.2M | 1.86% |
| 17 | BANK MONTREAL QUE | 063671101 | 178,488 | $23.2M | 1.78% |
| 18 | ISHARES TR | 46434V860 | 388,922 | $19.6M | 1.51% |
| 19 | JPMORGAN CHASE & CO. | VYLD | 60,166 | $19.4M | 1.49% |
| 20 | WALMART INC | WMT | 170,480 | $19.0M | 1.46% |