Q3 2026 13F · SEC CIK 1950841

Cardinal Point Capital Management ULC

Wealth managerFiled 2026-10-21 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $1.8B
Reported positions: 283
Top holdings a year, 3 yrs: +15.2%
Assets under management: $4.8B

Cardinal Point Capital Management ULC is a wealth manager that reported 283 positions worth $1.8B in its Q3 2026 13F, filed 2026-10-21. Its largest holdings were Vanguard Index Fds (VTI, 13.0%), Apple Inc (AAPL, 4.4%), Wisdomtree Tr (USFR, 4.2%). A portfolio copying its top holdings returned 15.2% a year over the last 3 years, against 22.3% for the S&P 500.

Cardinal Point Capital Management ULC holdings largest 50 of 283 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Cardinal Point Capital Management ULC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VTIVanguard Index Fds	13.0%	13.0%	625,408	+1.0%	$234.1M
AAPLApple Inc	4.4%	4.0%	239,840	-0.5%	$79.9M
USFRWisdomtree Tr	4.2%	4.1%	1,512,186	+5.3%	$76.2M
VEUVanguard Intl Equity Index F	4.1%	4.4%	899,015	-2.1%	$74.6M
DFAXDimensional ETF Trust	4.1%	4.1%	2,002,396	+2.0%	$74.1M
VGITVanguard Scottsdale Fds	3.9%	4.0%	1,239,418	+4.5%	$70.2M
LRGFIshares Tr	3.3%	3.2%	754,633	+2.4%	$58.7M
DFACDimensional ETF Trust	2.6%	2.6%	1,070,089	+3.1%	$47.6M
DBMFIm Global Partner Funds	2.3%	2.2%	1,299,469	+3.3%	$42.3M
IALTBlackrock ETF Trust	2.2%	—	1,324,545	—	$39.6M
MUBIshares Tr	2.1%	2.2%	373,539	+1.5%	$37.8M
RYRoyal Bk Cda	2.1%	2.3%	188,662	-2.1%	$37.2M
GOOGAlphabet Inc	2.0%	2.1%	106,831	+0.1%	$36.4M
NVDANvidia Corporation	2.0%	1.7%	154,397	+0.4%	$35.3M
PYLDPimco ETF Tr	1.9%	1.9%	1,362,834	+7.5%	$34.6M
TDToronto Dominion Bk Ont	1.8%	2.0%	280,539	-1.9%	$33.1M
BMOBank of Montreal	1.6%	1.8%	171,122	-2.5%	$28.7M
MINOPimco ETF Tr	1.5%	1.5%	614,813	+4.2%	$26.2M
SUSuncor Energy Inc New	1.4%	1.1%	366,692	-0.9%	$24.9M
MSFTMicrosoft Corp	1.3%	1.0%	46,916	-2.1%	$24.1M
IAUIshares Gold Tr	1.3%	1.3%	296,909	+0.5%	$23.2M
JPMJpmorgan Chase & Co	1.1%	1.1%	60,439	-0.9%	$20.0M
MFCManulife Finl Corp	1.1%	1.1%	459,450	-1.4%	$19.6M
JNJJohnson & Johnson	1.1%	1.0%	72,580	-0.3%	$19.2M
BNSBank Nova Scotia B C	1.1%	1.1%	209,249	-2.4%	$19.1M
TFLOIshares Tr	1.0%	1.1%	354,220	-5.1%	$17.9M
WMTWalmart Inc	1.0%	1.0%	170,966	+7.2%	$17.8M
CSCOCisco Sys Inc	0.9%	1.1%	157,168	-1.3%	$16.9M
CNICanadian Natl Ry Co	0.9%	0.9%	134,972	-0.0%	$16.1M
NEMNewmont Corp	0.9%	0.7%	138,803	-1.8%	$16.0M
ENBEnbridge Inc	0.9%	1.0%	334,206	+4.1%	$15.6M
SUNCSunococorp LLC	0.8%	0.8%	199,926	-0.9%	$14.6M
TRPTc Energy Corp	0.8%	0.9%	249,363	-1.1%	$14.5M
AEMAgnico Eagle Mines Ltd	0.8%	0.6%	77,014	+8.7%	$14.1M
PMPhilip Morris Intl Inc	0.8%	0.8%	72,601	-1.1%	$13.9M
GDXVaneck ETF Trust	0.7%	0.6%	147,421	-0.8%	$12.9M
BRK-BBerkshire Hathaway Inc Del	0.7%	0.8%	25,435	-4.9%	$12.7M
FTLSFirst Tr Exch Traded Fd III	0.6%	0.6%	151,160	-1.7%	$11.6M
CNQCanadian Nat Res Ltd Med Ter	0.6%	0.5%	244,250	+5.2%	$11.5M
GOOGLAlphabet Inc	0.6%	0.6%	31,228	-0.8%	$10.7M
RCIRogers Communications Inc	0.6%	0.6%	345,009	+4.2%	$10.7M
CVSCvs Health Corp	0.6%	0.7%	123,764	+0.0%	$10.6M
DFSUDimensional ETF Trust	0.6%	—	223,570	—	$10.5M
ORCLOracle Corp	0.6%	0.6%	74,358	+5.8%	$10.2M
OTEXOpen Text Corp	0.6%	0.6%	441,702	-1.3%	$9.9M
AMZNAmazon Com Inc	0.6%	0.5%	39,791	+4.4%	$9.9M
PFEPfizer Inc	0.5%	—	337,011	—	$9.6M
IBMInternational Business Machs	0.5%	0.6%	42,431	+8.7%	$9.3M
BBUCBrookfield Business Corp	0.5%	0.6%	357,043	+0.6%	$9.1M
PEPPepsico Inc	0.5%	0.6%	71,858	+0.0%	$9.1M

What Cardinal Point Capital Management ULC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

AEM Agnico Eagle Mines Ltd+8.7% shares
IBM International Business Machs+8.7% shares
PYLD Pimco ETF Tr+7.5% shares
WMT Walmart Inc+7.2% shares
ORCL Oracle Corp+5.8% shares
USFR Wisdomtree Tr+5.3% shares
CNQ Canadian Nat Res Ltd Med Ter+5.2% shares

Reduced

TFLO Ishares Tr-5.1% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +10.0% /yr; S&P 500 +11.7%
3 years: +15.2% /yr; S&P 500 +22.3%
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$1.8B	283
Q2 2026	$1.8B	294
Q1 2026	$1.6B	286
Q4 2025	$1.5B	260
Q3 2025	$1.4B	266
Q2 2025	$1.3B	242
Q1 2025	$1.1B	179
Q4 2024	$629.9M	84
Q3 2024	$599.9M	83
Q2 2024	$574.8M	73
Q1 2024	$525.6M	72
Q4 2023	$413.5M	69

Questions about Cardinal Point Capital Management ULC's portfolio

What stocks does Cardinal Point Capital Management ULC own?

Cardinal Point Capital Management ULC's latest 13F, for Q3 2026 and filed Oct 21, 2026, lists 283 positions worth $1.8B. The largest are Vanguard Index Fds (VTI) at 13.0%, Apple Inc (AAPL) at 4.4%, Wisdomtree Tr (USFR) at 4.2%, Vanguard Intl Equity Index F (VEU) at 4.1% and Dimensional ETF Trust (DFAX) at 4.1%.

What did Cardinal Point Capital Management ULC buy last quarter?

In Q3 2026, Cardinal Point Capital Management ULC added Agnico Eagle Mines Ltd (AEM) (+8.7% shares), International Business Machs (IBM) (+8.7% shares) and Pimco ETF Tr (PYLD) (+7.5% shares), compared with its Q2 2026 filing.

What did Cardinal Point Capital Management ULC sell last quarter?

In Q3 2026, Cardinal Point Capital Management ULC cut from its top 50 Vanguard Instl Index Fd (VBIL), cut from its top 50 Vanguard Mun Bd Fds (VTEB), cut from its top 50 Tesla Inc (TSLA) and Ishares Tr (TFLO) (-5.1% shares), compared with its Q2 2026 filing.

How has Cardinal Point Capital Management ULC's portfolio performed?

A portfolio copying Cardinal Point Capital Management ULC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +15.2% a year over the last 3 years, against +22.3% for the S&P 500. Over 1 year: +10.0% against +11.7%.

When is Cardinal Point Capital Management ULC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Cardinal Point Capital Management ULC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Cardinal Point Capital Management ULC manage?

Cardinal Point Capital Management ULC reported $4.8B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $1.8B.