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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 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
VTI icon
1
Vanguard Total Stock Market ETF
VTI
$659B
$186M 13.03%
569,574
+20,439
+4% +$6.46M
USFR icon
2
WisdomTree Floating Rate Treasury Fund
USFR
$18.1B
$71.8M 5.02%
1,425,906
-13,853
-1% -$698K
AAPL icon
3
Apple
AAPL
$4.8T
$70.6M 4.94%
278,354
+40,927
+17% +$9.25M
VGIT icon
4
Vanguard Intermediate-Term Treasury ETF
VGIT
$41.8B
$59.7M 4.18%
991,034
+67,318
+7% +$4.02M
DFAX icon
5
Dimensional World ex US Core Equity 2 ETF
DFAX
$11.7B
$55.8M 3.91%
1,790,092
+90,635
+5% +$2.75M
VEU icon
6
Vanguard FTSE All-World ex-US ETF
VEU
$65.7B
$55.6M 3.89%
779,705
+56,601
+8% +$3.91M
LRGF icon
7
iShares US Equity Factor ETF
LRGF
$3.55B
$49.4M 3.46%
722,756
+25,142
+4% +$1.67M
MUB icon
8
iShares National Muni Bond ETF
MUB
$45.5B
$37.4M 2.62%
349,470
+28,823
+9% +$3.02M
DFAC icon
9
Dimensional US Core Equity 2 ETF
DFAC
$47.5B
$35.7M 2.5%
934,099
+53,639
+6% +$2M
DBMF icon
10
iMGP DBi Managed Futures Strategy ETF
DBMF
$3.9B
$31.4M 2.2%
1,123,011
+38,016
+4% +$995K
RY icon
11
Royal Bank of Canada
RY
$296B
$29.3M 2.05%
199,081
-4,238
-2% -$584K
PYLD icon
12
PIMCO Multi Sector Bond Active ETF
PYLD
$14.9B
$26.6M 1.86%
997,175
+82,348
+9% +$2.19M
GOOG icon
13
Alphabet (Google) Class C
GOOG
$4.38T
$26.2M 1.84%
107,687
-1,391
-1% -$292K
TD icon
14
Toronto Dominion Bank
TD
$202B
$23.9M 1.67%
298,640
-7,187
-2% -$539K
IAU icon
15
iShares Gold Trust
IAU
$62.1B
$23.2M 1.63%
300,056
-5,435
-2% -$355K
BMO icon
16
Bank of Montreal
BMO
$127B
$23.1M 1.62%
177,447
-4,956
-3% -$587K
JPM icon
17
JPMorgan Chase
JPM
$908B
$18.8M 1.31%
59,463
-1,504
-2% -$447K
ORCL icon
18
Oracle
ORCL
$347B
$18.7M 1.31%
66,433
-752
-1% -$192K
WMT icon
19
Walmart Inc
WMT
$909B
$17M 1.19%
164,808
-1,510
-0.9% -$150K
ENB icon
20
Enbridge
ENB
$124B
$16.6M 1.16%
328,738
-3,415
-1% -$161K
CSCO icon
21
Cisco
CSCO
$444B
$16.5M 1.15%
241,236
+13,751
+6% +$937K
TFLO icon
22
iShares Treasury Floating Rate Bond ETF
TFLO
$6.55B
$16.2M 1.14%
321,727
+3,306
+1% +$167K
SU icon
23
Suncor Energy
SU
$73.5B
$16.2M 1.13%
386,319
-5,528
-1% -$222K
BNS icon
24
Scotiabank
BNS
$108B
$14.2M 0.99%
218,990
-3,403
-2% -$201K
MFC icon
25
Manulife Financial
MFC
$71.6B
$14.1M 0.99%
453,336
-8,420
-2% -$260K
1
2 3 4 5

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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.