INVESTMENT IMPLEMENTATION
Cardinal Point aims to ensure that you have exposure to a well-diversified portfolio of 1,000s of stocks from around the world and is uniquely situated to offer licensed advice, ongoing maintenance, and reporting on your assets across the U.S. and Canada.
INVESTMENT IMPLEMENTATION
ardinal Point aims to ensure that you have exposure to a well-diversified portfolio of 1,000s of stocks from around the world and is uniquely situated to offer licensed advice, ongoing maintenance, and reporting on your assets across the U.S. and Canada.
After the overall risk tolerance has been set and the underlying targeted asset allocation determined, we then move on to determine how those exposures should be garnered. When looking at the entire investment universe in the U.S. and Canadian markets, the Investment Committee weighs a variety of factors.
Weighing these aspects, we can construct model portfolios of individual stocks and bonds, institutional mutual funds, index funds, exchange traded funds (ETFs), alternative and private investments to match your unique situation. We constantly monitor our exposures and conduct an in-depth quarterly due diligence process, frequently speaking with the investment managers of the underlying funds and discussing fund and model level performance against benchmarks in our quarterly Investment Committee meetings. Changes are made to our recommended fund list for a variety of reasons including the identification of more efficient implementation vehicles or the emergence of opportunities for further diversification.
At the end of this process we aim to ensure that you have exposure to a well-diversified portfolio including moderate tilts towards some of those areas of the stock market academically shown to have higher expected returns, mixed with the right amount of high-quality bonds and alternative investments to meet your specific needs and aspirations. Cardinal Point is uniquely situated to offer licensed advice, ongoing maintenance, and reporting on your assets across the U.S. and Canada.
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.