{ "crd_number": 140619, "slug": "cardinal-point-wealth-management-toronto-on-140619", "primary_business_name": "CARDINAL POINT WEALTH MANAGEMENT", "legal_name": "CARDINAL POINT CAPITAL MANAGEMENT, ULC", "dbas": [ "CARDINAL POINT FOCUS PARTNERS CANADA", "CARDINAL POINT WEALTH MANAGEMENT" ], "city": "Toronto, On", "state": null, "country": "Canada", "cbsa_code": null, "metro": null, "registration_type": "sec", "registration_status": "Approved", "registration_date": "2006-05-23", "years_registered": 20, "period": "2026-10-01", "filing_date": "2026-04-21", "carried_forward": false, "raum_total": 4808296667.0, "raum_discretionary": 4787749653.0, "raum_non_discretionary": 20547014.0, "raum_band": "1b_5b", "raum_band_label": "$1 billion to $5 billion", "total_employees": 56, "advisory_employees": 24, "client_count_bucket": null, "clients_by_type": { "charitable": { "raum": 65260190.0, "count": 17 }, "individuals": { "raum": 529377335.0, "count": 1041 }, "high_net_worth_individuals": { "raum": 3643135077.0, "count": 1134 }, "corporations_other_businesses": { "raum": 570524065.0, "count": 195 } }, "compensation_types": [ "fixed", "hourly", "other", "percentage_of_aum" ], "advisory_activities": [ "financial_planning", "other", "portfolio_management_businesses_institutional", "portfolio_management_individuals", "selection_of_other_advisers" ], "wrap_fee_participant": false, "disclosure_yes_count": 0, "states_registered": [ "AZ", "CA", "CO", "CT", "FL", "GA", "HI", "IL", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NH", "NJ", "NV", "NY", "OH", "PA", "SC", "TN", "TX", "VA", "WA" ], "websites": [ "https://americanexpatsintoronto.com", "https://americanexpatsinvancouver.com", "https://calgaryfinancialplanner.ca", "https://canadausfinancialplanning.com", "https://canadaustaxplanning.com", "https://canadianexpatsinhouston.com", "https://canadianexpatsinorangecounty.com", "https://canadianexpatsinscottsdale.com", "https://cardinalpoint-capital.com", "https://cardinalpointprivatewealth.com", "https://cardinalpointwealth.com", "https://cardinalpointwealtharizona.com", "https://cardinalpointwealthcalifornia.com", "https://cardinalpointwealthflorida.com", "https://cardinalpointwealthtexas.com", "https://crossborderadvisor.com", "https://edmontonfinancialplanner.ca", "https://facebook.com/cardinalpointwealth", "https://focusfinancialpartners.com", "https://instagram.com/cardinal.point.wealth.mgmt?igsh=MTJsNW4xdWI0YW4w", "https://linkedin.com/company/2064318", "https://linkedin.com/company/cardinal-point-wealth-management", "https://linkedin.com/company/focus-financial-partners", "https://tiktok.com/@cardinal.point.wm?is_from_webapp=1&sender_device=pc", "https://twitter.com/cardinalpointwm", "https://twitter.com/focusfinancial", "https://youtube.com/channel/UCUytLGeHfZr2Ke5iR7u6cLg" ], "iapd_url": "https://adviserinfo.sec.gov/firm/summary/140619", "city_as_filed": "TORONTO, ON", "url": "https://advisorcensus.com/firm/cardinal-point-wealth-management-toronto-on-140619", "display_name": "Cardinal Point Wealth Management", "summary": "Cardinal Point Wealth Management is an SEC-registered investment advisory firm in Toronto, On, Canada, registered since 2006, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated April 21, 2026.", "citation": "AdvisorCensus. Cardinal Point Wealth Management (CRD 140619): Form ADV filing data as of October 2026.", "registration_type_label": "SEC-registered investment adviser", "compensation_labels": [ "A percentage of assets under your management", "Hourly charges", "Fixed fees (other than subscription fees)", "Other" ], "advisory_activity_labels": [ "Financial planning services", "Portfolio management for individuals and/or small businesses", "Portfolio management for businesses (other than small businesses) or institutional clients", "Selection of other advisers (including private fund managers)", "Other" ], "quick_answers": [ { "q": "How is Cardinal Point Wealth Management compensated?", "a": "On its Form ADV (Item 5.E, October 2026), Cardinal Point Wealth Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other. The amounts are in Item 5 of its Form ADV Part 2A brochure." }, { "q": "Where is Cardinal Point Wealth Management located?", "a": "Cardinal Point Wealth Management's principal office is in Toronto, On, Canada, according to its Form ADV; the May 2026 filing also lists 3 other offices (Schedule D, Section 1.F)." }, { "q": "Is Cardinal Point Wealth Management registered with the SEC or a state?", "a": "Cardinal Point Wealth Management is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 140619." }, { "q": "How much does Cardinal Point Wealth Management manage?", "a": "Cardinal Point Wealth Management reports $4,808,296,667 in regulatory assets under management in its Form ADV filing dated April 21, 2026 (100% discretionary)." }, { "q": "How have Cardinal Point Wealth Management's assets and staff changed since 2021?", "a": "In the Form ADV data for Cardinal Point Wealth Management: Regulatory assets under management: $481,288,079 in the October 2021 data and $4,808,296,667 in the October 2026 data, up 899%. Total employees: 26 in October 2021 and 56 in October 2026. Assets under management move with markets as well as with clients coming and going." }, { "q": "What types of clients does Cardinal Point Wealth Management serve?", "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (1,134); individuals (other than high net worth individuals) (1,041); corporations or other businesses not listed above (195)." }, { "q": "Which custodians does Cardinal Point Wealth Management use?", "a": "Cardinal Point Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., Fidelity Brokerage Services LLC, Fidelity Clearing Canada and National Bank Independent Network as custodians holding 10% or more of its separately managed account assets." }, { "q": "Does Cardinal Point Wealth Management report any disciplinary disclosures?", "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/140619" }, { "q": "What changed in Cardinal Point Wealth Management's recent Form ADV filings?", "a": "In the April 2026 filing data: Regulatory assets under management went from $3,982,682,392 to $4,808,296,667 (+21%). Registered or notice-filed in NE." } ], "filing_history": [ { "period": "2021-10-01", "regulatory_assets_under_management": 481288079.0, "total_employees": 26, "filing_date": "2021-09-07" }, { "period": "2022-10-01", "regulatory_assets_under_management": 1107537645.0, "total_employees": 35, "filing_date": "2022-09-30" }, { "period": "2023-10-01", "regulatory_assets_under_management": 1440427266.0, "total_employees": 37, "filing_date": "2023-09-27" }, { "period": "2024-10-01", "regulatory_assets_under_management": 1581825396.0, "total_employees": 41, "filing_date": "2024-08-27" }, { "period": "2025-10-01", "regulatory_assets_under_management": 2246856073.0, "total_employees": 43, "filing_date": "2025-06-23" }, { "period": "2026-10-01", "regulatory_assets_under_management": 4808296667.0, "total_employees": 56, "filing_date": "2026-04-21" } ], "recent_changes": [ { "period": "2026-04-01", "period_label": "April 2026", "notes": [ "Regulatory assets under management went from $3,982,682,392 to $4,808,296,667 (+21%).", "Registered or notice-filed in NE." ] }, { "period": "2025-12-01", "period_label": "December 2025", "notes": [ "Employees performing advisory functions went from 18 to 24.", "Regulatory assets under management went from $2,246,856,073 to $3,982,682,392 (+77%).", "Registered or notice-filed in HI." ] } ], "fees_from_brochure": null, "custodians": [ { "name": "Charles Schwab & Co., Inc.", "name_as_filed": "CHARLES SCHWAB & CO., INC.", "affiliated": false }, { "name": "Fidelity Brokerage Services LLC", "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC", "affiliated": false }, { "name": "Fidelity Clearing Canada", "name_as_filed": "FIDELITY CLEARING CANADA", "affiliated": false }, { "name": "National Bank Independent Network", "name_as_filed": "NATIONAL BANK INDEPENDENT NETWORK", "affiliated": false } ], "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.", "markdown_url": "https://advisorcensus.com/firm/cardinal-point-wealth-management-toronto-on-140619.md", "clients": [ { "type": "individuals", "label": "Individuals (other than high net worth individuals)", "count": 1041, "fewer_than_5": false, "raum": 529377335.0 }, { "type": "high_net_worth_individuals", "label": "High net worth individuals", "count": 1134, "fewer_than_5": false, "raum": 3643135077.0 }, { "type": "charitable", "label": "Charitable organizations", "count": 17, "fewer_than_5": false, "raum": 65260190.0 }, { "type": "corporations_other_businesses", "label": "Corporations or other businesses not listed above", "count": 195, "fewer_than_5": false, "raum": 570524065.0 } ], "disclosure_line": "Reports no disclosure items on Form ADV Item 11.", "disclosure_items": [], "indexable": true, "suppressed": false, "claimed": false, "enhanced": false, "provided_by_the_firm": null, "source": { "name": "Form ADV", "as_of": "2026-10-01", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/140619", "operator": "BH Monitor Services, LLC", "license": "https://creativecommons.org/licenses/by/4.0/", "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data" } }