PRIVATE WEALTH SERVICES
FOR CANADIAN RESIDENTS
Cardinal Point specializes in building personalized, comprehensive wealth plans tailored for Canadian residents, with specialized services for high-net-worth families and individuals.
PRIVATE WEALTH SERVICES FOR CANADIAN RESIDENTS
Cardinal Point specializes in building personalized, comprehensive wealth plans tailored for Canadian residents, with specialized services for high-net-worth families and individuals.
Cardinal Point is a leading advisor to affluent individuals, families, and their businesses in Canada, specializing in value-added services and complex tax planning.
Comprehensive Wealth Management for High-Net-Worth Families
At Cardinal Point, we partner with individuals and families who demand excellence—and expect the same from their financial advisors. Our clients turn to us for expert investment management, seamless integration of tax, retirement, and estate planning, and the simplicity we bring to otherwise complex financial lives.
We understand that your family, values, interests, and philanthropy are all interconnected. That’s why we take a comprehensive, personalized approach to financial planning—helping you build, preserve, and manage your wealth with confidence. As a client of Cardinal Point, you benefit from a team of experienced professionals dedicated to creating a tailored wealth plan designed for long-term value.
Our Canadian Private Wealth Services serve families with more than $1 million in investable assets. Beyond personal tax planning, we provide comprehensive tax optimization, estate planning, intergenerational wealth transfers, and strategic asset ownership through investment holding companies, trusts, foundations, and partnerships.
We also specialize in cross-border tax complexities, assisting clients with international investments, dual citizenship, and families whose members live in multiple countries.
Optimizing Tax Efficiency & Compliance for High-Net-Worth Clients
Our goal is to provide clients with the assurance that their wealth is structured in full compliance with Canadian tax laws and international regulations, all while optimizing for tax efficiency and long-term preservation. We serve as trusted advisors to high- and ultra-high-net-worth families with inherited wealth, entrepreneurs, corporate executives, family offices, and individuals facing significant wealth events.
We take the time to understand each client’s unique goals and circumstances, forming strong, long-term relationships built on trust. Our team provides a comprehensive suite of wealth advisory services and has a proven track record of managing complex financial situations successfully. With a strong presence in Canada, the United States, and abroad, our integrated approach ensures clients receive best-in-class tax and wealth planning advice, no matter where they live or invest.
We offer a full suite of services, including:
- Tax-efficient structuring of domestic and global investments, including business and real estate
- Tax compliance and dispute resolution
- Estate and trust planning for both domestic and international assets (eg; United States)
- Charitable giving strategies and private foundation management
- Partnership and corporate structuring
- Family enterprise advisory, business transitions, and family office services
- Wealth Transfer & Succession Planning for generational wealth transfers
- Asset Protection Planning Strategies to safeguard wealth from creditors, lawsuits, and other risks
Comprehensive Financial Guidance for Every Stage of Your Journey
Our advisors bring extensive experience to every stage of your financial journey—whether you need general financial planning, tax advice, or specialized guidance on managing a concentrated stock position, handling an inheritance, or maximizing retirement savings as a senior. We’re here to help. Reach out for an introductory call to explore how we can support your financial goals.
How We Help
Investment Management
Cardinal Point provides personally tailored investment management services for clients with Canadian and U.S. investment accounts. Investment strategies are customized to our clients’ risk tolerance and goals and then we work to fully integrate them into their tax, financial and estate planning initiatives.
Wealth Planning
Our financial planning service combines our investment management process with your short- and long-term objectives, your exposure to risk, and your tax planning and estate planning considerations.
Tax Planning and Preparation
Our tax planning initiatives are fully integrated with our clients’ investment, financial and estate planning strategy. This coordinated approach to wealth management streamlines the financial planning process and helps our clients ensure lasting wealth for today, tomorrow and generations to come.
OUR RECENT PUBLICATIONS
U.S. Cross-Border Tax Update: Featuring Terry Ritchie, Senior Director/Private Wealth Manager, on Financial Planning for Canadian Business Owners
Terry Ritchie, Senior Director and Private Wealth Manager at Cardinal Point Wealth, was recently featured on the Financial Planning for Canadian Business Owners podcast. He shared key updates on U.S. cross-border tax issues affecting Canadians, including potential changes to citizenship-based taxation, updates to Social Security benefits, and the possible sunset of the Tax Cuts and Jobs Act provisions.
Cross-Border Wealth Management Video with Jeffrey Adema, Cross-Border: Navigating Life as a Canadian or U.S. Expat
Are you a U.S. citizen planning to retire in Canada, or a Canadian moving to the U.S. for work? Cross-border transitions bring complex financial challenges that demand careful planning. In this insightful video, Jeffrey Adema, President of Wealth Management, Cross Border at Cardinal Point Wealth Management, breaks down the key elements of successful cross-border wealth [...]
Understanding British Columbia’s Property Transfer Tax and the 1084204 B.C. Ltd. Case
British Columbia's real estate market is known for its dynamic nature, attracting both domestic and international investors. To regulate this market and generate revenue, the province imposes the Property Transfer Tax (PTT) on property transactions. This article delves into the intricacies of the PTT, its implications for foreign entities/nationals, and examines a recent pivotal case: [...]