Cardinal Point Wealth Management

Your Cross-Border Financial Advisor

Contact Us | Client Login
  • About Us
    • Our Story
    • Our Team
    • Our Clients
    • Legal and Compliance
  • What We Do
    • Investment Management
    • Wealth Planning
    • Tax Planning and Preparation
    • Private Wealth Services-U.S.
    • Private Wealth Services-Canada
    • Cross-Border Financial and Tax Planning
  • Cross-Border Services
    • Cross-Border Financial and Tax Planning
    • U.S. Citizens Living in Canada
    • Moving to Canada from the U.S.
    • Canadians Living in the U.S.
    • Moving to the U.S. from Canada
    • Expatriates Living Abroad
  • Blog
  • About Us
    • Our Story
    • Our Team
    • Our Clients
    • Legal and Compliance
  • What We Do
    • Investment Management
    • Wealth Planning
    • Tax Planning and Preparation
    • Private Wealth Services-U.S.
    • Private Wealth Services-Canada
    • Cross-Border Financial and Tax Planning
  • Cross-Border Services
    • Cross-Border Financial and Tax Planning
    • U.S. Citizens Living in Canada
    • Moving to Canada from the U.S.
    • Canadians Living in the U.S.
    • Moving to the U.S. from Canada
    • Expatriates Living Abroad
  • Blog

Investment Management

Investment Strategy Chess

INVESTMENT MANAGEMENT

Cardinal Point provides personally tailored investment management services for clients with U.S. and Canadian 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.

Let's Talk
  • Risk Tolerance & Capacity
  • Asset Allocation
  • Investment Implementation

Professionally Managed

The firm’s Investment Philosophy is molded by the Cardinal Point Investment Committee, a group of five investment professionals with over 100 years of combined investment management experience. Committee members hold numerous industry credentials, including CFA, CFP, CIM, CIWM, and FCSI designations. The Committee meets formally on a quarterly basis to review all aspects of the investment management process.

Investment Philosophy

Our Investment philosophy guides an investment management process comprised of three key components: Discovery of your risk tolerance & capacity, formation of a customized asset allocation, and implementation of that allocation across multiple currencies and jurisdictions.

A Transparent Investment Strategy

Cardinal Point adheres to a transparent and conflict-free investment philosophy in which our clients’ interests are always put first. As a fee-only firm, we do not invest our clients’ assets in investment products that directly compensate our firm through hidden commissions, trailer fees or 12b-1 fees, and we do not offer proprietary products for investment. We feel these products can create a conflict of interest between the advisor and client. Instead, our investment committee puts an emphasis on investment process and researching best-in-class investment solutions for our clients. To help further protect our clients’ assets, all investment accounts are held and safeguarded through third-party custodians.

Managing Money Across Borders

Cardinal Point through its portfolio management company, Cardinal Point Capital Management, has the ability to manage integrated investment portfolios that include accounts in Canada and the U.S. Many of our clients have lived and worked in Canada and the U.S. and have accumulated assets and investment accounts in both countries. It can be very difficult to locate an advisor that can oversee these investment accounts in the two countries, and many have had to work with an advisor on each side of the border. At Cardinal Point, we create and oversee integrated cross-border investment portfolios that include all types of accounts in both Canada and the U.S.

US/Canada Investment Accounts

Investment accounts in Canada and the U.S.?

Our team manages assets in both countries
Learn More
Goal Based Investment Strategies

Goal-based Investment Strategies

Get a complimentary review of your portfolio
Learn More

OUR RECENT PUBLICATIONS

Moving from US to Quebec

Estate Planning when moving from the U.S. to Quebec

If you’re a Canadian living in the U.S. or elsewhere in Canada and planning a return to your home province of Quebec, there are a number of factors you’ll need to consider including the ramifications of such a move on your current estate plan. In this article, we’ll take a closer look at differences between Common Law and Civil Law and how they relate to estate planning.

Read more

Gifting Strategy for U.S. Citizens with a Non-U.S. Citizen Spouse Planning a Relocation to Canada

There are notable instances where having a non-U.S. citizen spouse results in complications when it comes to tax and estate planning.  For example, there is no estate tax marital deduction when the donee spouse is not a U.S. citizen unless a QDOT, a form of qualified domestic trust, is used.  This QDOT structure is not an ideal planning structure in many situations.

Read more
Investment questions

What’s in Your Index?

It is estimated that over $11 trillion USD is indexed or benchmarked to the S&P 500 index, or what many investors consider ‘the market.’ However, while that index does capture a good chunk of the public stock market capitalization in the U.S., it omits the rest of the globe. The criteria by which companies are included—which involve a secret selection committee and very general guidelines—are also somewhat murky.

Read more

How We Help

  • Cross-Border Financial & Tax Planning
  • Americans Living in Canada
  • Canadians Living in the U.S.
  • Moving to Canada from the U.S.
  • Moving to the U.S. from Canada
  • Expatriates Living Abroad

What We Do

  • Investment Management
  • Wealth Planning
  • Tax Planning & Preparation
  • Private Wealth Services for U.S. Residents
  • Private Wealth Services for Canadian Residents
  • Cross-Border Financial & Tax Planning

Resources

  • Canadians in California
  • Canadians in Texas
  • Canadians in Florida
  • Canadians in Arizona
  • Canadian and U.S. Expat Tax Planning
  • Wealth Management for U.S. Citizens in Canada
  • Custodian Closed Your Cross-Border Investment Account?

Videos & Social Media

  • Americans in Canada: Investment Basics
  • Americans Selling Canadian Homes Face Tax Issues
  • Does it make financial sense to renounce your U.S. citizenship?
Copyright © 2020. Cardinal Point Wealth Management, LLC and Cardinal Point Capital Management Inc. All Rights Reserved.

"Cardinal Point" is the brand under which the dedicated professionals within the independent Cardinal Point Group of Companies collaborate to provide financial and investment advisory, risk management, financial planning and tax services to selected clients. Cardinal Point comprises two legally separate companies: Cardinal Point Wealth Management, LLC, a U.S. registered investment advisor and Cardinal Point Capital Management Inc.is a U.S. registered investment advisor and a registered portfolio manager in Canada (ON, QC, MB, SK, NS, NB, AB, BC). Advisory services are only offered to clients or prospective clients where the independent Cardinal Point firms and its representatives are properly registered or exempt from registration. Each firm enters into client engagements independently. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.