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.
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.
Professionally Managed
The firm’s Investment Philosophy is molded by the Cardinal Point Investment Committee, a group of seven investment professionals with over 100 years of combined investment management experience. Committee members hold numerous industry credentials, including CFA, CFP, CIM, CAIA, 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 investment philosophy in which our clients’ interests are always put first. As a fee-based 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. 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 has the ability to manage integrated investment portfolios that include accounts in Canada and the U.S. Many of our clients have resided in both Canada and the U.S., amassing assets and investment portfolios in both nations. Finding a financial advisor capable of managing these cross-border investment accounts can be quite challenging. Consequently, numerous individuals have had to engage separate advisors on each side of the border to address their financial needs. 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.
Who We Serve
Private Wealth Services for Residents of Canada
At Cardinal Point, we work with individuals and families who have made a commitment to excellence and expect it from others. Our clients come to us for a variety of reasons: the expertise of our investment management services; the integration of their tax, retirement, and estate plans; and the simplicity we bring to their complex financial lives.
Moving from Canada to the U.S.
Moving to the U.S. from Canada requires thoughtful financial planning strategies that address departure taxes, transitioning assets and investment interests across the border, managing Canadian dollar investment accounts while tax managing them based on the U.S. tax rules, as well as creating a cross-border estate plan.
Moving from the U.S. to Canada
Many people make the mistake of moving to Canada before addressing their financial affairs, resulting in missed tax-saving opportunities and potential double taxation. Our services are specifically designed to minimize tax liabilities for Americans relocating to Canada. Managing investments, taxes, and financial planning across borders is complex and requires a deep understanding of both U.S. and Canadian laws.
Canadians Living in the U.S.
For Canadians living in the US, it can be difficult to find a local financial advisor or tax practitioner that is well versed in Canada-U.S. cross-border financial planning. This forces many Canadian expats to work with multiple Canadian and U.S. practitioners which can be inefficient and costly. With Cardinal Point, Canadian expats can have the assurance of knowing all of their cross-border financial planning considerations can be addressed by one company.
U.S. Citizens Living in Canada
Our specialized services offer coordinated investment management for both U.S. and Canadian accounts, tailored Canada-U.S. financial and retirement planning, and strategies for U.S. retirement account distributions while residing in Canada. From comprehensive estate planning to optimizing retirement benefits like CPP, OAS, Social Security, and Medicare, we provide holistic advice to ensure financial peace of mind.
Private Wealth Services for Residents of the U.S.
Our clients seek a long-term relationship with a trusted wealth planner who fully understands their situation and goals. These affluent individuals and families grasp the importance of diversifying their investment portfolios, establishing a lasting family legacy, and seeking a more effective and fulfilling method for managing their wealth.
OUR RECENT PUBLICATIONS
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: [...]
Navigating Cross-Border Retirement Benefits in 2025: US Social Security and Canadian CPP/OAS
Cross-border retirement planning has never been more relevant. In 2025, many Canadians living in the U.S. and Americans living in Canada face complex questions around Social Security, CPP, and OAS benefits. Our updated article explores how longstanding agreements like the totalization agreement (1984–2025) and the U.S.-Canada tax treaty continue to shape eligibility and taxation rules—while addressing key developments such as the 85% inclusion rate, new e-filing systems, and the growing importance of residency status. Whether you’re planning to retire soon or already drawing benefits, understanding where and how your income is taxed is crucial.