INVESTMENT IMPLEMENTATION
Cardinal Point aims to ensure that you have exposure to a well-diversified portfolio of stocks, bonds and potentially alternatives 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
Cardinal Point aims to ensure that you have exposure to a well-diversified portfolio of stocks, bonds and potentially alternatives 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.
Once overall risk tolerance has been established and the targeted asset allocation determined, we focus on how best to implement those exposures. Grounded in financial science, our approach relies on systematic, rules-based, and transparent strategies for investment selection.
When evaluating a broad universe of investment opportunities across the U.S. and Canadian markets, the Investment Committee sets clear guidelines for efficiently achieving the desired exposures. Taking multiple factors into account, we construct portfolios using individual stocks and bonds, institutional mutual funds, index funds, exchange-traded funds (ETFs), as well as alternative or private investments—tailored to your unique situation.
We continually monitor our exposures and perform a rigorous quarterly due diligence process, reviewing performance against benchmarks during our Investment Committee meetings.
At the end of this process, we aim to ensure that you have exposure to a highly diversified portfolio that is well suited to meet your unique circumstances.
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
Southbound Investment – Tax, Estate, and Financial Planning for Canadians Buying U.S. Real Property
Every year, thousands of Canadians head south in search of sunshine, golf courses, and winter respite. For many, these seasonal escapes lead to something more permanent –ownership of real property in the United States. Whether it's a Florida condo, an Arizona vacation home, or an investment property in California, Canadians represent one of the largest [...]
Cross-Border Death and Taxes – Planning for Canadians Dying with U.S.-Situs Assets
In today's globally mobile and interconnected world, it's increasingly common for Canadians to own U.S.-situs assets—whether it's a vacation home in Florida, an investment property in Arizona, or shares in U.S. corporations. However, what's less commonly understood is the U.S. estate tax regime that applies to non-U.S. persons at death. For Canadians with U.S. assets, [...]
Cross-Border Bequests – Planning for U.S. Beneficiaries of Canadian Estates
As Canadians increasingly maintain global ties—through family, business, or retirement—cross-border estate planning has become more critical than ever. A common scenario arises when a Canadian resident intends to leave assets to a child or grandchild who lives in the United States, either as a U.S. citizen or resident. While naming a U.S. beneficiary in a [...]