What Cardinal Point Wealth Management does

Cardinal Point Wealth Management, operating as Cardinal Point Capital Management, ULC, is a private cross-border wealth management firm headquartered in Toronto with additional offices in Calgary, Montreal, and Scottsdale, Arizona. Founded in 2009, the firm is dual-registered as a US SEC Registered Investment Advisor and a portfolio manager registered in 10 Canadian provinces, allowing it to legally manage investment accounts on both sides of the border for a single client.

The firm delivers integrated investment management, financial planning, tax planning, estate planning, and retirement advisory services to approximately 1,000+ affluent and ultra-affluent families with $6.8B CAD in client assets overseen. Service delivery is concentrated in cross-border scenarios: U.S. citizens residing in Canada, Canadians living in the U.S., clients relocating between the two countries, expatriates abroad, business owners, and ultra-HNW families requiring multigenerational family office services. A separate Athlete Advisors subsidiary and geographic sub-brands (Canadians in California, Texas, Florida, Arizona) extend the addressable market. The firm operates on a fee-based recurring compensation model with a stated $2M minimum investable asset threshold, employs 50+ investment, tax, and financial planning professionals holding CFP, CFA, CPA, CA, TEP, and tax attorney credentials, and operates under a fiduciary standard.

Go-to-market is content-driven and advisory-led: blog posts, e-books, webinars, video content, and media features (Globe and Mail, Financial Post, ThinkAdvisor) feed a top-of-funnel awareness engine, with personalization occurring through direct field-sales advisory consultations across the firm's physical office footprint. The technology stack is non-proprietary - the firm relies on third-party custodians (Charles Schwab, Fidelity Investments, Pershing, Fidelity Canada, NBIN) for custody and Addepar for client reporting and account access. The firm operates under a corporate affiliation with Focus Partners (Focus Financial Partners), trading as Focus Partners Canada, which provides back-office, capital, and advisor-solutions support.

Name

Cardinal Point Wealth Management

Legal name

Cardinal Point Capital Management, ULC

Website

https://cardinalpointwealth.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Cardinal Point Wealth Management is a Toronto-based private wealth management firm specializing in cross-border Canada-U.S. financial, tax, and estate planning for 1,000+ affluent and ultra-affluent families with $6.8B CAD in client assets overseen across offices in Toronto, Calgary, Montreal, and Scottsdale.

Ownership category

akta.pro rank

Product category

Cross-Border Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industries

Private Banking Cross-Border & International Wealth Services (FSABADAL), Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Cross-border wealth management
• Private wealth advisory
• Investment management services
• Estate and tax planning
• Financial planning services

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Fee-based Advisory Services: Fee-based compensation structure for ongoing advisory relationships that include portfolio management integrated with comprehensive financial, tax, and estate planning services. Operates as a long-term advisory firm serving affluent clients with complex financial lives, not providing one-time or hourly consultations.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Cardinal Point Wealth Management delivers fee-based, integrated cross-border wealth advisory services for affluent families with Canada-U.S. ties, combining personalized investment management with financial, tax, and estate planning. The firm serves both Canadian and U.S. residents (minimum $1M+ investable assets), plus specialized cross-border needs of expats, families moving between the two countries, business owners, athletes, and multi-generational family offices. Services are delivered via direct, long-term advisory relationships under a fiduciary standard, leveraging third-party custodians (Charles Schwab, Fidelity, Pershing, Fidelity Canada, NBIN) and the Addepar client portal.

Product overview

Cardinal Point Wealth Management is a cross-border wealth management firm that offers a unified platform of integrated financial advisory services for affluent families with Canada-U.S. ties. The core offering consists of Private Wealth Services for Canadian and U.S. residents, supplemented by specialized Cross-Border Financial & Tax Planning that addresses the unique needs of individuals moving between or living in both countries. Supporting services include Investment Management, Tax Planning and Preparation, Wealth Planning, Cross-Border Estate Planning, and Family Office Services for multigenerational wealth. The firm also offers targeted services for specific client segments including Athlete Advisors, expatriates, Americans living in Canada, Canadians living in the U.S., and those transitioning between countries. All services are delivered by a team of multidisciplinary professionals including CFPs, CFAs, CPAs, and tax attorneys operating under a fiduciary standard.

Differentiator

Problem solved

Functional benefit

Brands

• Cardinal Point Athlete Advisors: Specialized advisory services for athletes
• Cardinal Point Private Wealth
• Canadians in California
• Canadians in Texas
• Canadians in Florida
• Canadians in Arizona

Products and services

• Private Wealth Services for U.S. Residents Personalized, comprehensive wealth management services including investment management, tax planning, estate planning, and retirement planning tailored for affluent U.S. families with more than $1 million in investable assets.
• Private Wealth Services for Canadian Residents Comprehensive wealth management for high-net-worth Canadian families and individuals, including investment management, tax optimization, estate planning, intergenerational wealth transfers, and cross-border tax complexities for those with international investments or dual citizenship.
• Cross-Border Financial & Tax Planning Specialized advisory services for individuals and families navigating Canada-U.S. financial landscapes, including investment management, tax planning, estate planning, and transition planning for expatriates and those moving between countries.
• Investment Management Personalized investment management for clients with Canadian and U.S. investment accounts, customized to risk tolerance and financial goals, integrated with tax, financial, and estate planning initiatives.
• Tax Planning and Preparation Full range of Canadian, U.S., and cross-border tax planning strategies and tax preparation services designed to minimize tax liabilities, maximize cash flow, and ensure compliance with tax laws in both countries.
• Wealth Planning Comprehensive financial planning services combining investment management with short- and long-term objectives, risk exposure, tax planning, and estate planning considerations including cash flow management, retirement planning, and charitable bequest planning.
• Cross-Border Estate Planning Estate planning services for individuals with assets and beneficiaries in both Canada and the U.S., focusing on strategies to minimize estate taxes, avoid double taxation, and ensure smooth asset transfers across borders.
• Family Office Services Integrated planning, investment oversight, and family governance services for families with significant wealth spanning jurisdictions, structures, and generations. Includes tax services coordination, trust and estate coordination, personal CFO services, family office structuring, and lending solutions.
• Athlete Advisors Specialized wealth management advisory services designed for professional athletes, addressing their unique financial planning, investment, tax, and estate planning needs.
• Cross-Border Investment Management Investment portfolio management spanning both Canada and the U.S., considering regulatory differences, tax implications, currency fluctuations, and market conditions to optimize returns and minimize risks for cross-border investors.
• U.S. Citizens Living in Canada Services Specialized services for Americans residing in Canada, including coordinated investment management for U.S. and Canadian accounts, Canada-U.S. retirement planning, U.S. retirement account distribution strategies, and guidance on CPP, OAS, Social Security, and Medicare.
• Canadians Living in the U.S. Services Advisory services for Canadians residing in the U.S., covering coordinated investment management, asset transfer advice, Canadian retirement account distribution strategies, U.S. gift and estate strategies, and cross-border tax planning.
• Moving to the U.S. from Canada Services Financial planning services for Canadians relocating to the U.S., including departure tax planning, asset transition strategies, Canadian dollar account management under U.S. tax rules, and cross-border estate planning.
• Expatriates Living Abroad Services Financial planning services for Canadians and Americans living abroad, ensuring tax and regulatory compliance in both home and adopted countries, including investment account management and financial transition planning.
• Canadian Private Wealth for Entrepreneurs Specialized wealth management solutions for entrepreneurs, executives, and affluent families, integrating investment management, tax planning, retirement planning, estate planning, and cross-border expertise for business owners and corporate executives.
• Focus Partners Canada (operating under Cardinal Point) Cardinal Point Wealth Management also operates under the trade name Focus Partners Canada, providing advisor solutions and cross-border wealth management services as a member firm within the Focus Partners network.

Quantifiable outcome

• Helping clients achieve annual savings exceeding $20,000 through tax optimization and cross-border planning
• +3 more outcomes

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

One partnership is on record.

• Focus Partners / Focus Financial PartnerscoreOthersFocus Partners is the parent/advisory solutions company under which Cardinal Point operates. Cardinal Point functions as a member firm within the Focus Partners network, which provides advisor solutions and support services. Cardinal Point also operates under the trade names Cardinal Point Wealth Management and Focus Partners Canada.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CI Private Wealth (CI Financial): CI Private Wealth is the high-net-worth advisory arm of CI Financial, providing integrated investment, tax, and estate planning to affluent Canadian families with cross-border capabilities. Directly comparable to Cardinal Point in serving HNW/UHNW Canadian and Canada-U.S. cross-border clients with a fee-based advisory model.
• Nicola Wealth Management: Nicola Wealth is a Canadian private investment and wealth management firm serving HNW families, entrepreneurs, and professionals across Canada. Comparable to Cardinal Point in targeting affluent Canadian families with integrated investment, tax, and estate planning, though with less explicit cross-border specialization.
• Wellington-Altus Private Wealth: Wellington-Altus is one of Canada's largest independent wealth management firms, providing investment advisory and cross-border financial planning to affluent families. Directly comparable to Cardinal Point in serving HNW Canadians with fee-based advisory and cross-border capabilities through multiple offices.
• Raymond James Canada: Raymond James Canada is a subsidiary of Raymond James Financial offering wealth management, investment advisory, and financial planning to Canadian HNW clients. Comparable to Cardinal Point in providing fee-based portfolio management integrated with cross-border tax and estate planning for affluent families.
• Richardson Wealth: Richardson Wealth (RF Capital Group) is an independent Canadian wealth management firm serving HNW individuals, families, and entrepreneurs with discretionary portfolio management and financial planning. Comparable to Cardinal Point in targeting affluent Canadian clients with comprehensive wealth advisory, including cross-border planning services.

Broad incumbents

• BMO Private Wealth: BMO Private Wealth is the high-net-worth advisory arm of Bank of Montreal with significant U.S. operations through BMO Wealth Management. Comparable to Cardinal Point in offering integrated investment, tax, and estate planning to affluent families with cross-border capabilities, but at much greater scale as part of a major Canadian bank.
• TD Wealth Private Investment Advice: TD Wealth is the wealth management division of TD Bank, with cross-border capabilities through its U.S. operations and dedicated advisor practices. Comparable to Cardinal Point in serving HNW families needing Canada-U.S. integrated planning, but as a broad incumbent bank-affiliated platform with significantly larger AUM.
• RBC Wealth Management: RBC Wealth Management is the global wealth arm of Royal Bank of Canada, offering investment advisory, private banking, and asset management to HNW and UHNW clients including cross-border needs. Comparable to Cardinal Point in serving Canada-U.S. cross-border HNW families, but at much greater scale and with broader product set as a major bank's wealth division.
• Bessemer Trust: Bessemer Trust is a leading U.S. multi-family office serving UHNW families with integrated investment management, wealth planning, and family office services. Comparable to Cardinal Point in offering comprehensive wealth advisory and family office capabilities to HNW/UHNW families, though primarily U.S.-focused rather than cross-border Canada-U.S.

Emerging players

• Cresset Capital: Cresset Capital is a U.S. multi-family office and private wealth firm serving HNW and UHNW families with integrated investment, tax, and family office services. Comparable to Cardinal Point in offering integrated cross-disciplinary wealth advisory, though smaller in scale and primarily U.S.-focused rather than Canada-U.S. cross-border.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/CardinalPointWM
• Facebookfacebook.com/cardinalpointwealth
• LinkedInlinkedin.com/company/cardinal-point-wealth-management

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cardinal Point Wealth Management