OUR CLIENTS
Cardinal Point specializes in assisting affluent individuals and families living in Canada and the U.S., Canadians moving to the U.S., Americans moving to Canada as well as Canadian and U.S. expats living abroad, with their investment management, tax, financial and cross-border wealth planning requirements.
OUR CLIENTS
Cardinal Point specializes in assisting affluent individuals and families living in Canada and the U.S., Canadians moving to the U.S., Americans moving to Canada as well as Canadian and U.S. expats living abroad, with their investment management, tax, financial and cross-border wealth planning requirements.
Wealth Management for a Full Spectrum of Needs
We pride ourselves in offering the following advantages:
- Fiduciary Standard: Our professionals operate under the highest standard of care in the financial services industry.
- Transparency: Our fee-based compensation structure is openly disclosed.
- Collaborative Approach: Our team of multidisciplinary professionals includes Certified Financial Planners® (CFP® Canada & US), Canadian and U.S. Chartered Accountants (CPA), Chartered Financial Analysts (CFA), and tax attorneys (Esq).
- Investment Expertise: We subscribe to a disciplined, tax-efficient and cost-effective investment approach.
- Holistic Financial Planning: Clients are profiled to learn about their values, goals, income, balance sheet, investments, insurance, and employee benefits, as well as all retirement, tax, education, and estate planning requirements.
- Integrated Cross-Border Financial Planning: We have a suite of personalized Canada-U.S. cross-border investment, financial and tax planning solutions.
- Client Service and Professionalism: Our practitioners are committed to service excellence.
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 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 [...]
A Practical Guide to Tax-Efficient Wealth Planning for Canadian Professionals and Business Owners
For high-earning professionals, entrepreneurs, and incorporated business owners in Canada, income taxes often represent the single largest household expense. Fortunately, with proactive tax planning, it’s possible to significantly reduce tax drag, accelerate wealth accumulation, and align financial strategy with life priorities. This blog post outlines a real-world approach to integrated tax and lifestyle planning, using [...]
Welcoming a New Child: What Accounts to Open and What to Review in Your Financial Plan
Welcoming a new child is an exciting and life-changing event, but it also comes with major financial considerations. For parents in both Canada and the United States, the early years of a child’s life are a critical window for tax-efficient savings, thoughtful estate planning, and long-term financial security. In this comprehensive guide, we explore the [...]