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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
+4.26%
1 Year Est. Return
+26.72%
3 Year Est. Return
+59.15%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$1.53B
AUM Growth
+$101M
Cap. Flow
+$47.4M
Cap. Flow %
3.1%
Top 10 Hldgs %
45.05%
Holding
289
New
23
Increased
105
Reduced
82
Closed
29

Top Buys

Rank Stock Value
1
MINO icon
PIMCO Municipal Income Opportunities Active ETF
MINO
+$23.5M
2
SUNC
SunocoCorp LLC
SUNC
+$10.3M
3
VGIT icon
Vanguard Intermediate-Term Treasury ETF
VGIT
+$5.83M
4
SCHW
Charles Schwab
SCHW
+$4.94M
5
VTI icon
Vanguard Total Stock Market ETF
VTI
+$4.07M

Top Sells

Rank Stock Value
1
EMA
Emera Inc
EMA
+$10.2M
2
WTW icon
Willis Towers Watson
WTW
+$8.84M
3
MTD icon
Mettler-Toledo International
MTD
+$2.26M
4
AMRZ
Amrize Ltd
AMRZ
+$2.23M
5
GOOG icon
Alphabet (Google) Class C
GOOG
+$1.47M

Sector Composition

Rank Sector Weight
1 Financials 11.9%
2 Technology 10.98%
3 Communication Services 4.96%
4 Energy 4.83%
5 Consumer Staples 3.88%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTI icon
1
Vanguard Total Stock Market ETF
VTI
$654B
$195M 12.75%
581,804
+12,230
+2% +$4.07M
AAPL icon
2
Apple
AAPL
$4.89T
$74.5M 4.87%
274,167
-4,187
-2% -$1.12M
USFR icon
3
WisdomTree Floating Rate Treasury Fund
USFR
$18.1B
$72.3M 4.73%
1,436,883
+10,977
+0.8% +$552K
VGIT icon
4
Vanguard Intermediate-Term Treasury ETF
VGIT
$41.6B
$65.2M 4.26%
1,088,041
+97,007
+10% +$5.83M
DFAX icon
5
Dimensional World ex US Core Equity 2 ETF
DFAX
$11.8B
$60.3M 3.94%
1,842,315
+52,223
+3% +$1.67M
VEU icon
6
Vanguard FTSE All-World ex-US ETF
VEU
$65.6B
$59.9M 3.92%
814,585
+34,880
+4% +$2.54M
LRGF icon
7
iShares US Equity Factor ETF
LRGF
$3.52B
$51.5M 3.36%
741,187
+18,431
+3% +$1.28M
DFAC icon
8
Dimensional US Core Equity 2 ETF
DFAC
$47.5B
$38.4M 2.51%
969,697
+35,598
+4% +$1.39M
MUB icon
9
iShares National Muni Bond ETF
MUB
$45.1B
$38.2M 2.5%
356,448
+6,978
+2% +$747K
RY icon
10
Royal Bank of Canada
RY
$291B
$33.8M 2.21%
198,039
-1,042
-0.5% -$160K
DBMF icon
11
iMGP DBi Managed Futures Strategy ETF
DBMF
$3.95B
$32.7M 2.14%
1,164,616
+41,605
+4% +$1.19M
GOOG icon
12
Alphabet (Google) Class C
GOOG
$3.9T
$32.2M 2.1%
102,541
-5,146
-5% -$1.47M
PYLD icon
13
PIMCO Multi Sector Bond Active ETF
PYLD
$14.8B
$28.8M 1.88%
1,074,809
+77,634
+8% +$2.08M
TD icon
14
Toronto Dominion Bank
TD
$198B
$28M 1.83%
296,898
-1,742
-0.6% -$147K
MINO icon
15
PIMCO Municipal Income Opportunities Active ETF
MINO
$718M
$25.3M 1.65%
555,458
+515,858
+1,303% +$23.5M
IAU icon
16
iShares Gold Trust
IAU
$63B
$24.2M 1.58%
298,440
-1,616
-0.5% -$126K
BMO icon
17
Bank of Montreal
BMO
$125B
$23.2M 1.52%
178,488
+1,041
+0.6% +$132K
TFLO icon
18
iShares Treasury Floating Rate Bond ETF
TFLO
$6.56B
$19.6M 1.28%
388,922
+67,195
+21% +$3.39M
JPM icon
19
JPMorgan Chase
JPM
$939B
$19.4M 1.27%
60,166
+703
+1% +$218K
WMT icon
20
Walmart Inc
WMT
$871B
$19M 1.24%
170,480
+5,672
+3% +$609K
CSCO icon
21
Cisco
CSCO
$450B
$18.8M 1.23%
244,165
+2,929
+1% +$217K
SU icon
22
Suncor Energy
SU
$77.7B
$17.6M 1.15%
395,317
+8,998
+2% +$380K
MFC icon
23
Manulife Financial
MFC
$72.6B
$16.9M 1.1%
464,665
+11,329
+2% +$385K
BNS icon
24
Scotiabank
BNS
$106B
$16.2M 1.06%
219,961
+971
+0.4% +$66K
JNJ icon
25
Johnson & Johnson
JNJ
$635B
$15.8M 1.03%
76,385
+728
+1% +$144K
1
2 3 4 5

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Cardinal Point Capital Management's Q4 2025 Portfolio in Review

As of Q4 2025, Cardinal Point Capital Management held 289 positions worth $1.53B, up 7.1% from $1.43B the previous quarter. Its ten largest holdings account for 45% of the portfolio.

Cardinal Point Capital Management deployed $47.4M of net new capital in Q4 2025, opening 23 new positions and adding to 105 existing holdings. Its largest new stake was SunocoCorp LLC: 204,153 shares worth $10.1M.

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

On the sell side, the largest reduction was Alphabet (Google) Class C, an estimated $1.47M trimmed.

  • Cardinal Point Capital Management's largest Q4 2025 buy was SunocoCorp LLC: 204,153 shares worth $10.1M.
  • Cardinal Point Capital Management added most to PIMCO Municipal Income Opportunities Active ETF in Q4 2025, an estimated $23.5M increase.
  • Cardinal Point Capital Management's biggest Q4 2025 reduction was Alphabet (Google) Class C, cutting an estimated $1.47M.
  • Cardinal Point Capital Management fully exited Emera Inc in Q4 2025, selling an estimated $10.2M.
  • Cardinal Point Capital Management's ten largest holdings make up 45% of its $1.53B portfolio in Q4 2025.
  • Cardinal Point Capital Management opened 23 new positions and closed 29 in Q4 2025.
  • Cardinal Point Capital Management's portfolio value rose 7.1% quarter-over-quarter to $1.53B.

Based on Cardinal Point Capital Management's 13F filing for Q4 2025, filed 5 Feb 2026.