INVESTMENT MANAGEMENT
Cardinal Point provides personalized investment management services for clients with Canadian and U.S. investment accounts. Investment strategies are customized to each clients’ risk tolerance and financial goals, integrating them into their broader tax, financial and estate planning initiatives.
Investment Management
Cardinal Point provides personalized investment management services for clients with Canadian and U.S. investment accounts. Investment strategies are customized to each clients’ risk tolerance and financial goals, integrating them into their broader tax, financial and estate planning initiatives.
Professionally Managed
The firm’s Investment Philosophy is molded by the Cardinal Point Investment Committee, a team of seven investment professionals with over 100 years of combined investment management experience. Committee members hold a range of respected 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 built on three key components: first, discovering your risk tolerance and capacity, second, developing a customized asset allocation strategy, and third, implementing that allocation across multiple currencies and jurisdictions.
A Transparent Investment Strategy
Cardinal Point adheres to a transparent investment philosophy that always prioritizes our clients’ best interests. 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 the investment process and researching best-in-class investment solutions for our clients. To help further safeguard our clients’ assets, all investment accounts are held with independent, 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 countries, amassing assets and investment portfolios in both nations. Finding a financial advisor capable of managing these cross-border investment accounts can be quite challenging – often requiring individuals to work with separate advisors 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.
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
Making Roth Conversions Before Moving to Canada: Key Considerations
Relocating to Canada from the U.S. presents unique financial planning opportunities and challenges, especially regarding U.S. retirement accounts like IRAs and Roth IRAs. One strategic move often considered is converting a traditional IRA or 401(k)/403(b) to a Roth IRA before establishing Canadian tax residency. Below, we outline the key aspects of this strategy, clarify the [...]
Unlocking Double Tax Benefits: Using Your IRA for Charitable Giving as a Canadian Resident
You’ve spent the majority of your career employed in the U.S. and are ready to return home to Canada with notable retirement assets in hand. For Canadian residents holding U.S. Individual Retirement Accounts (IRAs), Qualified Charitable Distributions (QCDs) offer a rare opportunity to optimize charitable giving while minimizing tax burdens. This strategy leverages unique provisions [...]
Cross-Border Tax & Estate Planning Under the Big Beautiful Bill: Key Considerations for Canadian and U.S. Taxpayers
With the enactment of the "Big Beautiful Bill" on July 4, 2025, cross-border taxpayers—particularly those navigating Canadian and U.S. tax and estate planning systems—face major legislative changes. These changes are reshaping the individual, estate, business, and international tax landscape, with far-reaching implications for planning, compliance, and long-term strategy. At Cardinal Point Wealth Management, we specialize [...]