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CPCM

Cardinal Point Capital Management Portfolio holdings

AUM $1.77B
1-Year Est. Return 26.72%
This Fund
S&P 500
This Quarter Est. Return
+9.64%
1 Year Est. Return
+26.72%
3 Year Est. Return
+59.15%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$1.43B
AUM Growth
+$167M
Cap. Flow
+$39.3M
Cap. Flow %
2.75%
Top 10 Hldgs %
45.74%
Holding
281
New
39
Increased
76
Reduced
103
Closed
15

Top Buys

Rank Stock Value
1
EMA
Emera Inc
EMA
+$9.97M
2
AAPL icon
Apple
AAPL
+$9.25M
3
WTW icon
Willis Towers Watson
WTW
+$8.29M
4
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$6.46M
5
VGIT icon
Vanguard Intermediate-Term Treasury ETF
VGIT
+$4.02M

Top Sells

Rank Stock Value
1
JNJ icon
Johnson & Johnson
JNJ
+$13.2M
2
SCHX icon
Schwab US Large- Cap ETF
SCHX
+$9.59M
3
SCHB icon
Schwab US Broad Market ETF
SCHB
+$5.17M
4
FIX icon
Comfort Systems
FIX
+$2.7M
5
ZTS icon
Zoetis
ZTS
+$1.25M

Sector Composition

Rank Sector Weight
1 Financials 11.85%
2 Technology 11.81%
3 Communication Services 4.92%
4 Energy 4.25%
5 Consumer Staples 3.96%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
UNH icon
101
UnitedHealth
UNH
$370B
$1.37M 0.1%
3,966
– –
EAOA icon
102
iShares ESG Aware Aggressive Allocation ETF
EAOA
$38M
$1.35M 0.09%
33,370
+1,825
+6% +$71.8K
FISV
103
Fiserv Inc
FISV
$27.9B
$1.21M 0.08%
9,407
+800
+9% +$115K
EAGG icon
104
iShares ESG Aware US Aggregate Bond ETF
EAGG
$4.97B
$1.21M 0.08%
25,114
+1,964
+8% +$93.4K
PYPL icon
105
PayPal
PYPL
$50.5B
$1.21M 0.08%
17,970
+875
+5% +$61.7K
GILD icon
106
Gilead Sciences
GILD
$165B
$1.2M 0.08%
10,823
-1,060
-9% -$120K
BIP icon
107
Brookfield Infrastructure Partners
BIP
$18B
$1.18M 0.08%
35,690
+570
+2% +$17.9K
HD icon
108
Home Depot
HD
$355B
$1.15M 0.08%
2,844
-600
-17% -$236K
UBER icon
109
Uber
UBER
$153B
$1.13M 0.08%
11,550
-1,875
-14% -$175K
MA icon
110
Mastercard
MA
$493B
$1.08M 0.08%
1,898
-30
-2% -$17.2K
PAAS icon
111
Pan American Silver
PAAS
$21.6B
$1.05M 0.07%
27,012
+12,111
+81% +$389K
GLD icon
112
SPDR Gold Trust
GLD
$141B
$994K 0.07%
2,698
+920
+52% +$293K
PBA icon
113
Pembina Pipeline
PBA
$27.6B
$985K 0.07%
24,376
+450
+2% +$17K
PG icon
114
Procter & Gamble
PG
$339B
$958K 0.07%
6,237
-585
-9% -$91.4K
GS icon
115
Goldman Sachs
GS
$303B
$953K 0.07%
1,197
-67
-5% -$49.6K
FIVN icon
116
FIVE9
FIVN
$2.54B
$946K 0.07%
39,090
+3,865
+11% +$102K
GEV icon
117
GE Vernova
GEV
$264B
$938K 0.07%
1,505
-118
-7% -$71.5K
PJUL icon
118
Innovator US Equity Power Buffer ETF July
PJUL
$1.27B
$885K 0.06%
19,478
-3,870
-17% -$173K
VOD icon
119
Vodafone
VOD
$37.4B
$864K 0.06%
+74,465
New +$849K
IWF icon
120
iShares Russell 1000 Growth ETF
IWF
$128B
$844K 0.06%
7,208
+1,652
+30% +$184K
IRM icon
121
Iron Mountain
IRM
$36.1B
$838K 0.06%
8,200
– –
TJX icon
122
TJX Companies
TJX
$178B
$833K 0.06%
5,765
– –
XOM icon
123
ExxonMobil
XOM
$634B
$831K 0.06%
7,385
+2,885
+64% +$321K
DFSE
124
Dimensional Emerging Markets Sustainability Core 1 ETF
DFSE
$623M
$819K 0.06%
19,975
+475
+2% +$18.8K
ICLN icon
125
iShares Global Clean Energy ETF
ICLN
$2.4B
$808K 0.06%
49,365
+2,445
+5% +$34.6K
3 4
5
6 7

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Cardinal Point Capital Management's Q3 2025 Portfolio in Review

As of Q3 2025, Cardinal Point Capital Management held 281 positions worth $1.43B, up 13% from $1.26B the previous quarter. Its ten largest holdings account for 46% of the portfolio.

Cardinal Point Capital Management's Q3 2025 filing shows 39 new, 76 increased, 103 reduced and 15 closed positions. Its largest new stake was Emera Inc: 213,007 shares worth $10.2M. The largest sale was Johnson & Johnson, an estimated $13.2M.

By sector, the portfolio is most concentrated in Financials at 12% of assets, up from 11% a quarter earlier, followed by Technology and Communication Services.

  • Cardinal Point Capital Management's largest Q3 2025 buy was Emera Inc: 213,007 shares worth $10.2M.
  • Cardinal Point Capital Management added most to Apple in Q3 2025, an estimated $9.25M increase.
  • Cardinal Point Capital Management's biggest Q3 2025 reduction was Johnson & Johnson, cutting an estimated $13.2M.
  • Cardinal Point Capital Management fully exited Vanguard Real Estate ETF in Q3 2025, selling an estimated $679K.
  • Cardinal Point Capital Management's ten largest holdings make up 46% of its $1.43B portfolio in Q3 2025.
  • Cardinal Point Capital Management opened 39 new positions and closed 15 in Q3 2025.
  • Cardinal Point Capital Management's portfolio value rose 13% quarter-over-quarter to $1.43B.

Based on Cardinal Point Capital Management's 13F filing for Q3 2025, filed 6 Nov 2025.