Cardinal Point Capital Management ULC
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 12, 2024), Cardinal Point Capital Management ULC reported 73 stock positions worth $574.8 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 23.1% of the portfolio, followed by Wisdomtree Floating Rate Tre (USFR, 12.4%) and Vanguard Intermediate-Term T (VGIT, 7.5%). Compared with Q1 2024, it opened 6 new positions, sold out of 5, added to 36 and reduced 11. The biggest buy was Dimensional US Sus CORE1 ETF (DFSU, shares +551%) and the biggest sale PIMCO Active Bond Exchange-T (BOND, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- TORONTO, A6
- CIK
- 0001950841
- Portfolio Value
- $574.8M (Q2 2024)
- SEC Filing
- 0001085146-24-002939 ↗ filed Jul 12, 2024
Holdings Value
Holdings 73 stocks · $574.8M
| VTI VG Morningstar TS MKT ETF-US | 23.07% | 494,014 | $132.6M | Add +3.9% |
| USFR Wisdomtree Floating Rate Tre | 12.43% | 1,420,580 | $71.5M | Add +0.1% |
| VGIT Vanguard Intermediate-Term T | 7.53% | 743,493 | $43.3M | Add +6.6% |
| VEU Vanguard Ftse All-World Ex-U | 6.14% | 601,461 | $35.3M | Add +2.4% |
| LRGF iShares US Equity Factor ETF | 5.93% | 612,153 | $34.1M | Add +2.8% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 5.27% | 1,007,526 | $30.3M | Add +7.6% |
| MUB iShares National Muni Bond E | 5.03% | 271,244 | $28.9M | Add +18.5% |
| DFAX Dimensional World Ex US Core | 4.84% | 1,095,264 | $27.8M | Add +10.9% |
| SHV iShares 0-1 Year Treasury Bo | 4.84% | 251,871 | $27.8M | Add +7.7% |
| DFAC Dimensional US Core Equity 2 | 3.68% | 656,512 | $21.2M | Add +38.4% |
| IAU iShares Gold Trust | 3.47% | 454,417 | $20.0M | Add +1.3% |
| IHDG Wisdomtree International Hed | 2.67% | 336,559 | $15.3M | Add +1.8% |
| BOND PIMCO Active Bond Exchange-T | 2.62% | 165,161 | $15.0M | Reduce -1.2% |
| FTLS First Trust Long/Short Eqty | 1.06% | 97,259 | $6.1M | Add +1.3% |
| AAPL Apple Inc. | 1.04% | 28,457 | $6.0M | Add +3.5% |
| DFSU Dimensional US Sus CORE1 ETF | 0.96% | 159,010 | $5.5M | Add +550.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.87% | 12,322 | $5.0M | Add +5.2% |
| TFLO iShares Treasury Floating Ra | 0.77% | 86,988 | $4.4M | Add +81.1% |
| TSLA Tesla Inc. | 0.56% | 16,275 | $3.2M | No change |
| VOO Vanguard S&P 500 ETF | 0.38% | 4,302 | $2.2M | Add +11.1% |
| FBND Fidelity Total Bond ETF | 0.37% | 47,245 | $2.1M | Reduce -15.6% |
| DFSI Dimensional Int Sus COR1 ETF | 0.37% | 63,750 | $2.1M | Add +544.6% |
| PYLD PIMCO Multisector Bond Actv | 0.36% | 81,110 | $2.1M | New |
| QQQ Invesco QQQ Trust Series 1 | 0.36% | 4,257 | $2.0M | Add +1.9% |
| EAOR iShares ESG Aware 60/40 Bala | 0.30% | 57,055 | $1.8M | No change |
| GOOG Alphabet Inc. Class C | 0.28% | 8,667 | $1.6M | Add +263.9% |
| EAOA iShares ESG Aware 80/20 Aggr | 0.26% | 42,380 | $1.5M | Add +0.5% |
| PJUN Innovator U.S. Equity Power | 0.22% | 35,240 | $1.3M | No change |
| SUSB iShares ESG Aware 1-5 Year U | 0.22% | 50,643 | $1.2M | Reduce -14.8% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.21% | 2 | $1.2M | No change |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.21% | 6,635 | $1.2M | Add +5.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.21% | 2,166 | $1.2M | New |
| PJUL Innovator U.S. Equity Power | 0.18% | 26,915 | $1.0M | Add +10.0% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.16% | 27,580 | $923K | New |
| IAPR Innovator International Deve | 0.14% | 28,750 | $777K | No change |
| MSI Motorola Solutions Inc. | 0.13% | 1,880 | $728K | No change |
| VT Vanguard Tot World STK ETF | 0.12% | 6,300 | $710K | No change |
| PAUG Innovator U.S. Equity Power | 0.12% | 18,570 | $678K | No change |
| DGRO iShares Core Dividend Growth | 0.12% | 11,715 | $675K | Add +0.1% |
| AMZN Amazon.com Inc. | 0.11% | 3,401 | $657K | Add +25.9% |
| PJAN Innovator U.S. Equity Power | 0.11% | 15,940 | $641K | No change |
| EAGG iShares ESG Aware US Aggrega | 0.11% | 13,635 | $636K | Reduce -8.1% |
| MSFT Microsoft Corp. | 0.11% | 1,376 | $615K | Add +32.8% |
| ECL Ecolab Inc. | 0.10% | 2,463 | $588K | No change |
| VNQ Vanguard Real Estate ETF | 0.10% | 6,871 | $583K | Reduce -11.1% |
| ICLN iShares Global Clean Energy | 0.10% | 42,388 | $565K | Add +25.2% |
| PNOV Innovator U.S. Equity Power | 0.10% | 15,460 | $561K | No change |
| AOR iShares Core 60/40 Balanced | 0.10% | 9,901 | $558K | Reduce -16.6% |
| PFEB Innovator U.S. Equity Power | 0.09% | 15,490 | $544K | No change |
| GLD SPDR Gold Shares | 0.09% | 2,528 | $544K | Add +10.0% |
| VGT Vanguard Info Tech ETF | 0.09% | 938 | $542K | Add +14.4% |
| PSEP Innovator U.S. Equity Power | 0.09% | 13,950 | $523K | No change |
| NVDA Nvidia Corp. | 0.09% | 4,180 | $516K | Add +13.6% |
| MCK McKesson Corp. | 0.08% | 812 | $475K | No change |
| SGOV iShares 0-3 Month Treasury B | 0.08% | 4,540 | $457K | New |
| CL Colgate-Palmolive Co. | 0.08% | 4,650 | $451K | Reduce -9.0% |
| BGRN iShares Usd Green Bond ETF | 0.07% | 8,734 | $406K | Reduce -12.6% |
| VEA Vanguard Ftse Developed ETF | 0.07% | 8,154 | $403K | Add +0.1% |
| LLY Eli Lilly & Co. | 0.06% | 403 | $365K | Add +1.0% |
| AVUV Avantis US Small Cap Value | 0.06% | 3,855 | $346K | Reduce -66.7% |
| VUSB Vanguard Ultra Short Bond Et | 0.06% | 6,890 | $341K | Reduce -6.8% |
| IWF iShares Russell 1000 Growth | 0.06% | 923 | $336K | No change |
| GOOGL Alphabet Inc. Class A | 0.06% | 1,824 | $332K | Add +14.0% |
| XLK SS Technology Select Sector | 0.06% | 1,456 | $329K | Add +28.2% |
| IWB iShares Russell 1000 ETF | 0.05% | 979 | $291K | No change |
| WTMF Wisdomtree MGD Futures Strat | 0.04% | 6,760 | $245K | Reduce -35.2% |
| QUAL iShares MSCI USA Quality Fac | 0.04% | 1,397 | $239K | No change |
| IEFA iShares Core MSCI Eafe ETF | 0.04% | 3,230 | $235K | Add +4.9% |
| AOA iShares Core 80/20 Aggressiv | 0.04% | 3,124 | $234K | New |
| KAPR Innovator U.S. Small Cap Pow | 0.04% | 7,360 | $227K | No change |
| XOM Exxon Mobil Corp. | 0.04% | 1,916 | $221K | No change |
| AOM iShares Core 40/60 Moderate | 0.04% | 4,869 | $209K | No change |
| PDEC Innovator U.S. Equity Power | 0.04% | 5,405 | $203K | New |
Portfolio Sells Q1 2024 → Q2 2024
| BOND PIMCO Active Bond Exchange-T | Reduce -1.2% | 2.62% | −0.30 |
| AVUV Avantis US Small Cap Value | Reduce -66.7% | 0.06% | −0.15 |
| FBND Fidelity Total Bond ETF | Reduce -15.6% | 0.37% | −0.11 |
| EPC Edgewell Personal Care Co. | Sold out | 0.00% | −0.09 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -14.8% | 0.22% | −0.06 |
| AGG iShares Core U.S. Aggregate | Sold out | 0.00% | −0.06 |
| VWO Vanguard Ftse Emerging Marke | Sold out | 0.00% | −0.05 |
| REET iShares Global REIT ETF | Sold out | 0.00% | −0.04 |
| WTMF Wisdomtree MGD Futures Strat | Reduce -35.2% | 0.04% | −0.03 |
| AOR iShares Core 60/40 Balanced | Reduce -16.6% | 0.10% | −0.03 |
| VNQ Vanguard Real Estate ETF | Reduce -11.1% | 0.10% | −0.03 |
| EAGG iShares ESG Aware US Aggrega | Reduce -8.1% | 0.11% | −0.02 |
| BGRN iShares Usd Green Bond ETF | Reduce -12.6% | 0.07% | −0.02 |
| CHIMERA INVT CORP | Sold out | 0.00% | −0.01 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -6.8% | 0.06% | −0.01 |
| CL Colgate-Palmolive Co. | Reduce -9.0% | 0.08% | −0.01 |
Portfolio Buys Q1 2024 → Q2 2024
| DFSU Dimensional US Sus CORE1 ETF | Add +550.6% | 0.96% | +0.80 |
| DFAC Dimensional US Core Equity 2 | Add +38.4% | 3.68% | +0.80 |
| PYLD PIMCO Multisector Bond Actv | New | 0.36% | +0.36 |
| MUB iShares National Muni Bond E | Add +18.5% | 5.03% | +0.34 |
| TFLO iShares Treasury Floating Ra | Add +81.1% | 0.77% | +0.30 |
| DFSI Dimensional Int Sus COR1 ETF | Add +544.6% | 0.37% | +0.30 |
| GOOG Alphabet Inc. Class C | Add +263.9% | 0.28% | +0.21 |
| SPY SS SPDR S&P 500 ETF Trust-US | New | 0.21% | +0.21 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Add +7.6% | 5.27% | +0.16 |
| DFSE Dimensional Em Sus CORE1 ETF | New | 0.16% | +0.16 |
| AAPL Apple Inc. | Add +3.5% | 1.04% | +0.15 |
| SGOV iShares 0-3 Month Treasury B | New | 0.08% | +0.08 |
| DFAX Dimensional World Ex US Core | Add +10.9% | 4.84% | +0.06 |
| AOA iShares Core 80/20 Aggressiv | New | 0.04% | +0.04 |
| PDEC Innovator U.S. Equity Power | New | 0.04% | +0.04 |
| NVDA Nvidia Corp. | Add +13.6% | 0.09% | +0.03 |
| MSFT Microsoft Corp. | Add +32.8% | 0.11% | +0.02 |
| AMZN Amazon.com Inc. | Add +25.9% | 0.11% | +0.02 |
| VOO Vanguard S&P 500 ETF | Add +11.1% | 0.38% | +0.02 |
| VGT Vanguard Info Tech ETF | Add +14.4% | 0.09% | +0.01 |
| XLK SS Technology Select Sector | Add +28.2% | 0.06% | +0.01 |
| GOOGL Alphabet Inc. Class A | Add +14.0% | 0.06% | +0.01 |
| ICLN iShares Global Clean Energy | Add +25.2% | 0.10% | +0.01 |
| PJUL Innovator U.S. Equity Power | Add +10.0% | 0.18% | +0.01 |
| GLD SPDR Gold Shares | Add +10.0% | 0.09% | +0.00 |
| LLY Eli Lilly & Co. | Add +1.0% | 0.06% | +0.00 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.9% | 0.36% | +0.00 |
| IEFA iShares Core MSCI Eafe ETF | Add +4.9% | 0.04% | −0.00 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Add +5.1% | 0.21% | −0.00 |
| VEA Vanguard Ftse Developed ETF | Add +0.1% | 0.07% | −0.01 |
| DGRO iShares Core Dividend Growth | Add +0.1% | 0.12% | −0.01 |
| EAOA iShares ESG Aware 80/20 Aggr | Add +0.5% | 0.26% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +5.2% | 0.87% | −0.07 |
| FTLS First Trust Long/Short Eqty | Add +1.3% | 1.06% | −0.07 |
| SHV iShares 0-1 Year Treasury Bo | Add +7.7% | 4.84% | −0.08 |
| IAU iShares Gold Trust | Add +1.3% | 3.47% | −0.11 |
| LRGF iShares US Equity Factor ETF | Add +2.8% | 5.93% | −0.17 |
| IHDG Wisdomtree International Hed | Add +1.8% | 2.67% | −0.22 |
| VGIT Vanguard Intermediate-Term T | Add +6.6% | 7.53% | −0.24 |
| VEU Vanguard Ftse All-World Ex-U | Add +2.4% | 6.14% | −0.42 |
| VTI VG Morningstar TS MKT ETF-US | Add +3.9% | 23.07% | −0.45 |
| USFR Wisdomtree Floating Rate Tre | Add +0.1% | 12.43% | −1.15 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 294 | $1.8B | VTI, VEU, DFAX, USFR, VGIT |
| Q1 2026 | 286 | $1.6B | VTI, USFR, VEU, VGIT, DFAX |
| Q4 2025 | 260 | $1.5B | VTI, AAPL, USFR, VGIT, DFAX |
| Q3 2025 | 266 | $1.4B | VTI, USFR, AAPL, VGIT, DFAX |
| Q2 2025 | 242 | $1.3B | VTI, USFR, VGIT, DFAX, AAPL |
| Q1 2025 | 179 | $1.1B | VTI, USFR, VGIT, AAPL, VEU |
| Q4 2024 | 84 | $629.9M | VTI, USFR, VGIT, LRGF, VEU |
| Q3 2024 | 83 | $599.9M | VTI, USFR, VGIT, VEU, LRGF |
| Q2 2024 | 73 | $574.8M | VTI, USFR, VGIT, VEU, LRGF |
| Q1 2024 | 72 | $525.6M | VTI, USFR, VGIT, VEU, LRGF |