# Cardinal Point Wealth Management

> 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.

- CRD: 140619
- Filed as: CARDINAL POINT WEALTH MANAGEMENT
- Legal name: Cardinal Point Capital Management, ULC
- Also doing business as: CARDINAL POINT FOCUS PARTNERS CANADA, CARDINAL POINT WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Toronto, On, Canada
- Filing period: October 2026
- Form ADV filing dated: April 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/140619
- AdvisorCensus page: https://advisorcensus.com/firm/cardinal-point-wealth-management-toronto-on-140619

## Quick answers

**How is Cardinal Point Wealth Management compensated?**
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.

**Where is Cardinal Point Wealth Management located?**
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).

**Is Cardinal Point Wealth Management registered with the SEC or a state?**
Cardinal Point Wealth Management is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 140619.

**How much does Cardinal Point Wealth Management manage?**
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).

**How have Cardinal Point Wealth Management's assets and staff changed since 2021?**
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.

**What types of clients does Cardinal Point Wealth Management serve?**
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).

**Which custodians does Cardinal Point Wealth Management use?**
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.

**Does Cardinal Point Wealth Management report any disciplinary disclosures?**
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

**What changed in Cardinal Point Wealth Management's recent Form ADV filings?**
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.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC
- Fidelity Clearing Canada
- National Bank Independent Network

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.

### Regulatory assets under management (Item 5.F)
- Total: $4,808,296,667
- Discretionary: $4,787,749,653
- Non-discretionary: $20,547,014

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,041 | $529,377,335 |
| High net worth individuals | 1,134 | $3,643,135,077 |
| Charitable organizations | 17 | $65,260,190 |
| Corporations or other businesses not listed above | 195 | $570,524,065 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2006 (20 years)
- Employees: 56 total, 24 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: 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
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the May 2026 filing
- Calgary, Ab
- Montreal
- Scottsdale, AZ

### Websites listed on Form ADV (Item 1.I)
- americanexpatsintoronto.com
- americanexpatsinvancouver.com
- calgaryfinancialplanner.ca
- canadausfinancialplanning.com
- canadaustaxplanning.com
- canadianexpatsinhouston.com
- canadianexpatsinorangecounty.com
- canadianexpatsinscottsdale.com
- cardinalpoint-capital.com
- cardinalpointprivatewealth.com
- cardinalpointwealth.com
- cardinalpointwealtharizona.com
- cardinalpointwealthcalifornia.com
- cardinalpointwealthflorida.com
- cardinalpointwealthtexas.com
- crossborderadvisor.com
- edmontonfinancialplanner.ca
- focusfinancialpartners.com
- Facebook @cardinalpointwealth
- Instagram @cardinal.point.wealth.mgmt
- LinkedIn @2064318
- LinkedIn @cardinal-point-wealth-management
- LinkedIn @focus-financial-partners
- TikTok @cardinal.point.wm
- X @cardinalpointwm
- X @focusfinancial
- YouTube @UCUytLGeHfZr2Ke5iR7u6cLg

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $481,288,079 | 26 | September 7, 2021 |
| October 2022 | $1,107,537,645 | 35 | September 30, 2022 |
| October 2023 | $1,440,427,266 | 37 | September 27, 2023 |
| October 2024 | $1,581,825,396 | 41 | August 27, 2024 |
| October 2025 | $2,246,856,073 | 43 | June 23, 2025 |
| October 2026 | $4,808,296,667 | 56 | April 21, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $3,982,682,392 to $4,808,296,667 (+21%).
- Registered or notice-filed in NE.

### December 2025
- 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cardinal Point Wealth Management (CRD 140619): Form ADV filing data as of October 2026.