Cardinal Point Capital Management ULC

In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 31, 2025), Cardinal Point Capital Management ULC reported 242 stock positions worth $1.3 billion. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 13.3% of the portfolio, followed by Wisdomtree Floating Rate Tre (USFR, 5.7%) and Vanguard Intermediate-Term T (VGIT, 4.4%). Compared with Q1 2025, it opened 75 new positions, sold out of 12, added to 76 and reduced 67. The biggest buy was Royal Bank of Canada (RY, shares +73%) and the biggest sale Wisdomtree International Hed (IHDG, shares −95%).

Most Recent 13F
Q2 2026
Location
TORONTO, A6
CIK
0001950841
Portfolio Value
$1.3B (Q2 2025)
SEC Filing
0001085146-25-004346 ↗ filed Jul 31, 2025

Holdings Value

0$500.0M$1.0B$1.5B$2.0B Q1 2024: $525.6M Q1 2024 Q2 2024: $574.8M Q2 2024 Q3 2024: $599.9M Q3 2024 Q4 2024: $629.9M Q4 2024 Q1 2025: $1.1B Q1 2025 Q2 2025: $1.3B $1.3B Q2 2025 Q3 2025: $1.4B Q3 2025 Q4 2025: $1.5B Q4 2025 Q1 2026: $1.6B Q1 2026 Q2 2026: $1.8B Q2 2026

Holdings 242 stocks · $1.3B
VTI VG Morningstar TS MKT ETF-US 13.26% 549,135 $167.4M Add +3.0%
USFR Wisdomtree Floating Rate Tre 5.74% 1,439,759 $72.4M Add +1.8%
VGIT Vanguard Intermediate-Term T 4.38% 923,716 $55.2M Add +1.8%
DFAX Dimensional World Ex US Core 3.95% 1,699,457 $49.9M Add +33.0%
AAPL Apple Inc. 3.86% 237,427 $48.7M Add +560.1%
VEU Vanguard Ftse All-World Ex-U 3.85% 723,104 $48.6M Add +10.1%
LRGF iShares US Equity Factor ETF 3.54% 697,614 $44.7M Add +2.4%
MUB iShares National Muni Bond E 2.65% 320,647 $33.5M Reduce -3.2%
DFAC Dimensional US Core Equity 2 2.50% 880,460 $31.6M Add +4.5%
DBMF Imgp Dbi MFT STR ETF-Usd Inc. 2.21% 1,084,995 $27.9M Reduce -0.3%
RY Royal Bank of Canada 2.12% 203,319 $26.7M Add +73.5%
PYLD PIMCO Multisector Bond Actv 1.92% 914,827 $24.3M Add +4.8%
JNJ Johnson & Johnson 1.84% 152,684 $23.2M Add +99.3%
TD Toronto-Dominion Bank 1.78% 305,827 $22.5M Reduce -0.5%
GOOG Alphabet Inc. Class C 1.71% 109,078 $21.6M Add +771.0%
BMO Bank of Montreal filed as BANK MONTREAL QUE 1.60% 182,403 $20.2M Reduce -0.5%
IAU iShares Gold Trust 1.51% 305,491 $19.1M Reduce -1.4%
JPM JPMorgan Chase & Co. 1.40% 60,967 $17.7M Add +0.1%
WMT Walmart Inc. 1.29% 166,318 $16.3M Reduce -0.2%
TFLO iShares Treasury Floating Ra 1.28% 318,421 $16.1M Add +109.5%
CSCO Cisco Systems Inc. 1.25% 227,485 $15.8M Add +0.1%
ENB Enbridge Inc. 1.19% 332,153 $15.0M Reduce -1.1%
MFC Manulife Financial Corp. 1.17% 461,756 $14.7M Add +0.1%
ORCL Oracle Corp. 1.16% 67,185 $14.7M Add +13.9%
SU Suncor Energy Inc. 1.16% 391,847 $14.7M Reduce -0.6%
MSFT Microsoft Corp. 1.10% 27,824 $13.8M Add +406.2%
PM Philip Morris International 1.00% 69,201 $12.6M Reduce -1.4%
TRP TC Energy Corp. 0.99% 255,288 $12.4M Reduce -1.7%
BNS Bank of Nova Scotia filed as BANK NOVA SCOTIA HALIFAX 0.97% 222,393 $12.3M Add +0.2%
GIB Cgi Inc. 0.95% 114,758 $12.0M Add +8.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.83% 35,563 $10.5M Reduce -0.1%
CNI Canadian Natl Railway Co. 0.80% 96,569 $10.0M Add +2.5%
RCI Rogers Communications Inc. Class B 0.79% 336,263 $10.0M Add +2.7%
CVS CVS Health Corp. 0.68% 125,320 $8.6M Reduce -0.7%
AEM Agnico Eagle Mines Ltd. 0.67% 71,170 $8.5M Reduce -24.7%
NEM Newmont Corp. 0.66% 142,905 $8.3M Reduce -5.7%
GDX Vaneck Gold Miners ETF 0.65% 156,905 $8.2M Reduce -1.2%
V Visa Inc. Class A 0.63% 22,563 $8.0M Add +597.0%
FTLS First Trust Long/Short Eqty 0.62% 118,969 $7.9M Reduce -4.2%
PEP Pepsico Inc. 0.62% 59,475 $7.9M Add +4.7%
COST Costco Wholesale Corp. 0.61% 7,732 $7.7M Add +1665.3%
OTEX Open Text Corp. 0.60% 261,354 $7.6M Reduce -0.5%
PFE Pfizer Inc. 0.60% 312,032 $7.6M Add +0.9%
CMCSA Comcast Corp. Class A 0.59% 209,915 $7.5M Add +2.2%
CNQ Canadian Natural Resources 0.58% 232,120 $7.3M Add +0.2%
DFSU Dimensional US Sus CORE1 ETF 0.57% 183,755 $7.2M Reduce -0.1%
KVUE Kenvue Inc. 0.57% 341,930 $7.2M Add +0.6%
AMZN Amazon.com Inc. 0.53% 30,424 $6.7M Add +173.3%
BBU Brookfield Business PT-Unit 0.50% 242,757 $6.3M Reduce -0.3%
GOOGL Alphabet Inc. Class A 0.49% 29,811 $6.2M Reduce -2.1%
NVDA Nvidia Corp. 0.48% 37,970 $6.0M Add +117.1%
FDX FedEx Corp. 0.47% 26,219 $6.0M Add +3.0%
TSLA Tesla Inc. 0.43% 17,025 $5.4M Add +9.3%
BRK.B Berkshire Hathaway Inc. Class B 0.42% 25,569 $5.3M Add +133.4%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.41% 41,287 $5.1M Add +3.1%
VGT Vanguard Info Tech ETF 0.36% 6,904 $4.6M Add +18.4%
FIX Comfort Systems USA Inc. 0.36% 8,450 $4.5M New
MCD McDonald's Corp. 0.30% 12,859 $3.8M Reduce -1.5%
BBUC Brookfield Business Class A 0.29% 118,368 $3.7M Add +0.2%
CVE Cenovus Energy Inc. 0.26% 242,939 $3.3M Add +3.7%
VTRS Viatris Inc. 0.24% 340,250 $3.0M Add +3.3%
TU Telus Corp. 0.23% 181,775 $2.9M Add +0.3%
DFSI Dimensional Int Sus COR1 ETF 0.22% 69,135 $2.7M Reduce -1.2%
META Meta Platforms Inc. Class A 0.21% 3,624 $2.7M Add +188.1%
NFLX Netflix Inc. 0.19% 1,832 $2.5M Add +306.2%
VOO Vanguard S&P 500 ETF 0.19% 4,162 $2.4M Reduce -2.1%
NKE Nike Inc. Class B 0.19% 33,332 $2.4M Add +5.0%
SLF Sun Life Financial Inc. 0.18% 34,469 $2.3M Reduce -2.0%
QQQ Invesco QQQ Trust Series 1 0.18% 4,112 $2.3M Add +2.4%
BN Brookfield Corp. 0.17% 35,720 $2.2M Reduce -0.1%
CM Can Imperial BK of Commerce filed as CANADIAN IMPERIAL BK COMM 0.17% 29,633 $2.1M Add +2.7%
EAOR iShares ESG Aware 60/40 Bala 0.15% 56,605 $1.9M Add +16.7%
TAC Transalta Corp. 0.15% 172,985 $1.9M Add +19.4%
SUSB iShares ESG Aware 1-5 Year U 0.15% 73,618 $1.9M Add +35.2%
SPY SS SPDR S&P 500 ETF Trust-US 0.14% 2,817 $1.7M Reduce -5.2%
ITA iShares U.S. Aerospace & Def 0.14% 9,170 $1.7M New
ZTS Zoetis Inc. 0.14% 11,056 $1.7M Reduce -8.7%
CDNS Cadence Design SYS Inc. 0.14% 5,560 $1.7M New
VZ Verizon Communications Inc. 0.13% 37,896 $1.6M Reduce -2.8%
GLW Corning Inc. 0.13% 30,982 $1.6M Add +1.6%
AGI Alamos Gold Inc. Class A 0.13% 60,092 $1.6M No change
C Citigroup Inc. 0.12% 18,157 $1.5M Add +7.4%
XLK SS Technology Select Sector 0.12% 6,041 $1.5M Add +314.9%
FISV Fiserv Inc. 0.12% 8,607 $1.5M Add +585.8%
CRBN Ish Low Car Opt Ms Ac ETF-US 0.12% 6,905 $1.5M Reduce -1.7%
BRK.A Berkshire Hathaway Inc. Class A 0.12% 2 $1.5M No change
BCE Bce Inc. 0.11% 65,067 $1.4M Add +3.0%
CL Colgate-Palmolive Co. 0.11% 15,206 $1.4M Add +39.8%
GILD Gilead Sciences Inc. 0.10% 11,883 $1.3M Reduce -0.6%
ABBV Abbvie Inc. 0.10% 6,930 $1.3M Add +614.4%
PYPL PayPal Holdings Inc. 0.10% 17,095 $1.3M Add +46.0%
HD Home Depot Inc. 0.10% 3,444 $1.3M New
LOW Lowe's Cos Inc. 0.10% 5,690 $1.3M New
UBER Uber Technologies Inc. 0.10% 13,425 $1.3M Add +1.5%
UNH Unitedhealth Group Inc. 0.10% 3,966 $1.2M New
EAOA iShares ESG Aware 80/20 Aggr 0.10% 31,545 $1.2M No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.09% 25,285 $1.2M Add +22.5%
MGNI Magnite Inc. 0.09% 49,100 $1.2M Reduce -8.7%
BIP Brookfield Infrastructure Pa 0.09% 35,120 $1.2M Reduce -3.1%
EQX Equinox Gold Corp. 0.09% 201,170 $1.2M Add +210.0%
EAGG iShares ESG Aware US Aggrega 0.09% 23,150 $1.1M Add +25.9%
PG The Procter & Gamble Co. 0.09% 6,822 $1.1M New
MA Mastercard Inc. Class A 0.09% 1,928 $1.1M New
PJUL Innovator U.S. Equity Power 0.08% 23,348 $1.0M No change
NGD New Gold Inc. 0.08% 205,600 $1.0M New
FIVN FIVE9 Inc. 0.07% 35,225 $933K Add +72.8%
YETI Yeti Holdings Inc. filed as YETI HLDGS INC 0.07% 28,815 $908K No change
PBA Pembina Pipeline Corp. 0.07% 23,926 $897K Add +1.7%
GS Goldman Sachs Group Inc. 0.07% 1,264 $895K New
GEV GE Vernova Inc. 0.07% 1,623 $859K New
IRM Iron Mountain Inc. filed as IRON MTN INC DEL 0.07% 8,200 $848K No change
IHDG Wisdomtree International Hed 0.07% 18,356 $827K Reduce -95.3%
IAPR Innovator International Deve 0.06% 26,550 $776K No change
CP Canadian Pacific Kansas City 0.06% 9,739 $772K Reduce -9.3%
BMY Bristol-Myers Squibb Co. 0.06% 16,613 $769K Reduce -0.3%
DFSE Dimensional Em Sus CORE1 ETF 0.06% 19,500 $742K Reduce -15.2%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.06% 5,765 $712K New
CAE Cae Inc. 0.05% 23,483 $687K No change
BEP Brookfield Renewable Partner 0.05% 26,836 $683K Reduce -1.9%
VNQ Vanguard Real Estate ETF 0.05% 7,628 $679K Add +41.0%
DGRO iShares Core Dividend Growth 0.05% 10,561 $675K Reduce -9.6%
IVV iShares Core S&P 500 ETF 0.05% 1,070 $664K Reduce -6.6%
MAG Mag Silver Corp. 0.05% 30,725 $652K Reduce -7.0%
PJUN Innovator U.S. Equity Power 0.05% 16,230 $645K No change
SCHZ Schwab US Aggregate Bond ETF 0.05% 635,697 $636K Add +6517.7%
ICLN iShares Global Clean Energy 0.05% 46,920 $615K Add +1.6%
TXT Textron Inc. 0.05% 7,484 $601K Reduce -21.1%
EWC iShares MSCI Canada ETF 0.05% 12,991 $600K No change
NOW ServiceNow Inc. 0.05% 577 $593K Add +30.5%
IWF iShares Russell 1000 Growth 0.05% 1,389 $590K No change
SBUX Starbucks Corp. 0.05% 6,430 $589K New
BGRN iShares Usd Green Bond ETF 0.05% 12,154 $579K Add +37.5%
INTC Intel Corp. 0.05% 25,571 $573K Add +10.6%
DFAU Dimensional US Core Equity M 0.04% 13,384 $567K Reduce -9.7%
AVUV Avantis US Small Cap Value 0.04% 6,191 $564K Reduce -10.7%
LLY Eli Lilly & Co. 0.04% 711 $554K Add +70.5%
WPM Wheaton Precious Metals Corp. 0.04% 6,075 $545K New
GLD SPDR Gold Shares 0.04% 1,778 $542K No change
NTR Nutrien Ltd. 0.04% 9,235 $537K New
MRK Merck & Co. Inc. 0.04% 6,750 $534K New
WM Waste Management Inc. 0.04% 2,324 $532K Add +6.8%
ABT Abbott Laboratories 0.04% 3,908 $532K New
FTS Fortis Inc. 0.04% 10,741 $512K Reduce -9.2%
CVX Chevron Corp. 0.04% 3,550 $508K New
SOBO South Bow Corp. 0.04% 19,468 $504K Reduce -10.5%
IWM iShares Russell 2000 ETF 0.04% 2,280 $492K New
AOR iShares Core 60/40 Balanced 0.04% 7,901 $486K Reduce -20.7%
BTG B2GOLD Corp. 0.04% 134,550 $485K Reduce -18.5%
XOM Exxon Mobil Corp. 0.04% 4,500 $485K New
BAM Brookfield Asset Mgmt-A 0.04% 8,702 $481K New
CARR Carrier Global Corp. 0.04% 6,560 $480K New
MCK McKesson Corp. 0.04% 645 $473K Add +2.2%
GE General Electric filed as GE AEROSPACE 0.04% 1,804 $464K Add +15.3%
BA The Boeing Co. 0.04% 2,210 $463K New
ARIS Aris Mining Corp. filed as ARIS MNG CORP 0.04% 66,900 $450K Reduce -0.1%
B Barrick Mining Corp. 0.04% 21,525 $447K Reduce -5.3%
IWB iShares Russell 1000 ETF 0.04% 1,304 $443K Add +33.2%
PAAS Pan American Silver Corp. 0.03% 14,901 $422K Reduce -14.4%
HON Honeywell International Inc. 0.03% 1,744 $406K New
CRM Salesforce Inc. 0.03% 1,440 $393K New
SCHX Schwab US Large-Cap ETF 0.03% 387,519 $388K Add +3376.4%
TIXT Telus International Cda Inc. 0.03% 106,385 $386K New
TFII Tfi International Inc. 0.03% 4,255 $381K New
BOND PIMCO Active Bond Exchange-T 0.03% 4,125 $380K Reduce -37.7%
MSI Motorola Solutions Inc. 0.03% 898 $379K Add +4.9%
WFC Wells Fargo & Co. 0.03% 4,675 $375K New
MS Morgan Stanley 0.03% 2,545 $358K Reduce -3.2%
LUV Southwest Airlines Co. 0.03% 10,870 $355K Add +51.0%
PJAN Innovator U.S. Equity Power 0.03% 7,960 $351K No change
ECL Ecolab Inc. 0.03% 1,267 $342K No change
IEFA iShares Core MSCI Eafe ETF 0.03% 4,088 $341K Reduce -9.3%
SWK Stanley Black & Decker Inc. 0.03% 5,000 $339K New
EL Estee Lauder Companies Class A filed as LAUDER ESTEE COS INC 0.03% 4,180 $338K New
QUAL iShares MSCI USA Quality Fac 0.03% 1,813 $332K No change
CMI Cummins Inc. 0.03% 1,000 $328K New
SLSR Solaris Resources Inc. 0.03% 71,500 $327K No change
T AT&T Inc. 0.03% 11,218 $325K Reduce -15.1%
DFAI Dimensional International Co. 0.03% 9,268 $320K Reduce -36.2%
TECK Teck Resources Ltd.-CLS B 0.03% 7,900 $319K New
IAG Iamgold Corp. 0.03% 43,250 $318K Reduce -29.2%
PSEP Innovator U.S. Equity Power 0.02% 7,690 $314K Reduce -24.5%
KGC Kinross Gold Corp. 0.02% 19,850 $310K Reduce -41.2%
MOS The Mosaic Co. 0.02% 8,375 $306K New
ASA ASA Gold and Precious Metals 0.02% 9,525 $301K Reduce -48.0%
GIL Gildan Activewear Inc. 0.02% 6,090 $300K New
ADM Archer-Daniels-Midland Co. 0.02% 5,575 $294K New
FNV Franco-Nevada Corp. 0.02% 1,760 $288K New
VYM Vanguard High DVD Yield ETF 0.02% 2,163 $288K Reduce -36.4%
DXCM Dexcom Inc. 0.02% 3,200 $279K No change
PFEB Innovator U.S. Equity Power 0.02% 7,190 $273K No change
FBND Fidelity Total Bond ETF 0.02% 5,930 $272K No change
XOP SS SPDR S&P Og Exp & Prod 0.02% 2,150 $270K New
PNOV Innovator U.S. Equity Power 0.02% 6,770 $268K No change
FSM Fortuna Mining Corp. 0.02% 40,950 $267K Reduce -35.5%
HRL Hormel Foods Corp. 0.02% 8,800 $266K New
EFA iShares MSCI Eafe ETF 0.02% 2,945 $263K New
SCHO Schwab Short-Term US Treas 0.02% 263,049 $263K New
QSR Restaurant Brands Intern 0.02% 3,902 $258K New
IYJ iShares U.S. Industrials ETF 0.02% 1,800 $256K New
PAUG Innovator U.S. Equity Power 0.02% 6,295 $255K No change
IJR iShares Core S&P Small-Cap E 0.02% 2,309 $252K Reduce -15.5%
ETSY Etsy Inc. 0.02% 4,985 $250K New
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.02% 560 $247K New
BEPC Brookfield Renewable Corp. 0.02% 6,788 $247K New
BNDX Vanguard Total Intl Bond ETF 0.02% 4,975 $246K New
EZU iShares MSCI Eurozone ETF 0.02% 4,110 $244K No change
PK Park Hotels & Resorts Inc. 0.02% 23,525 $241K Reduce -13.6%
GDXJ Vaneck Junior Gold Miners 0.02% 3,550 $240K New
IXN iShares Global Tech ETF 0.02% 2,600 $239K New
SKE Skeena Resources Ltd. 0.02% 15,000 $239K New
KAPR Innovator U.S. Small Cap Pow 0.02% 7,360 $238K No change
IBIT iShares Bitcoin Trust ETF 0.02% 3,875 $237K New
VUG Vanguard Mrngstar GR ETF-Sui 0.02% 535 $235K New
RBLX Roblox Corp. Class A 0.02% 2,223 $234K New
FSLR First Solar Inc. 0.02% 1,405 $233K New
AAUC Allied Gold Corp. 0.02% 17,353 $233K New
DG Dollar General Corp. 0.02% 2,020 $231K New
WTMF Wisdomtree MGD Futures Strat 0.02% 6,530 $231K Reduce -3.4%
IJH iShares Core S&P Midcap ETF 0.02% 3,648 $226K New
APD Air Products & Chemicals Inc. 0.02% 800 $226K New
VTIP Vanguard Short-Term Tips 0.02% 4,471 $225K Reduce -10.8%
VWO Vanguard Ftse Emerging Marke 0.02% 4,528 $224K Reduce -31.2%
REMX Vaneck Rar Earth ND STG-Usdi 0.02% 5,405 $219K New
SCHB Schwab US Broad Market ETF 0.02% 217,616 $218K New
KHC The Kraft Heinz Co. 0.02% 8,425 $218K New
PMAY Innovator U.S. Equity Power 0.02% 5,600 $212K No change
DISV Dimensional International SM 0.02% 6,374 $210K Reduce -16.6%
IJAN Innovator International Deve 0.02% 6,100 $209K New
DAL Delta Air Lines Inc. 0.02% 4,200 $207K New
COF Capital One Financial Corp. 0.02% 970 $206K New
BF.B Brown-Forman Corp. Class B 0.02% 7,600 $205K New
ETN Eaton Corp. PLC 0.02% 570 $203K New
AOM iShares Core 40/60 Moderate 0.02% 4,384 $202K New
MQ Marqeta Inc. 0.01% 31,969 $186K New
AG First Majestic Silver Corp. 0.01% 22,400 $185K New
PPTA Perpetua Resources Corp. 0.01% 15,000 $182K New
OSISKO DEVELOPMENT CORP 0.01% 69,000 $148K New
AIOT Powerfleet Inc. 0.01% 30,700 $132K New
VMD Viemed Healthcare Inc. 0.01% 18,480 $128K New
VZLA Vizsla Silver Corp. 0.01% 40,000 $118K New
HDSN Hudson Technologies Inc. 0.01% 12,850 $104K New
AQMS Aqua Metals Inc. 0.00% 22,800 $11K New

Portfolio Sells Q1 2025 → Q2 2025
IHDG Wisdomtree International Hed Reduce -95.3% 0.07% −1.50
MUB iShares National Muni Bond E Reduce -3.2% 2.65% −0.56
DBMF Imgp Dbi MFT STR ETF-Usd Inc. Reduce -0.3% 2.21% −0.31
SU Suncor Energy Inc. Reduce -0.6% 1.16% −0.19
IAU iShares Gold Trust Reduce -1.4% 1.51% −0.17
ENB Enbridge Inc. Reduce -1.1% 1.19% −0.16
AEM Agnico Eagle Mines Ltd. Reduce -24.7% 0.67% −0.15
TRP TC Energy Corp. Reduce -1.7% 0.99% −0.12
FTLS First Trust Long/Short Eqty Reduce -4.2% 0.62% −0.11
CVS CVS Health Corp. Reduce -0.7% 0.68% −0.10
MCD McDonald's Corp. Reduce -1.5% 0.30% −0.08
VCSH Vanguard S/T Corp. Bond ETF Sold out 0.00% −0.06
WMT Walmart Inc. Reduce -0.2% 1.29% −0.06
ZTS Zoetis Inc. Reduce -8.7% 0.14% −0.05
AGG iShares Core U.S. Aggregate Sold out 0.00% −0.04
VEA Vanguard Ftse Developed ETF Sold out 0.00% −0.03
DFSU Dimensional US Sus CORE1 ETF Reduce -0.1% 0.57% −0.03
VZ Verizon Communications Inc. Reduce -2.8% 0.13% −0.03
BMY Bristol-Myers Squibb Co. Reduce -0.3% 0.06% −0.03
XLE SS Energy Select Sector Sold out 0.00% −0.03
SCHP Schwab U.S. Tips ETF Sold out 0.00% −0.03
ASA ASA Gold and Precious Metals Reduce -48.0% 0.02% −0.03
BOND PIMCO Active Bond Exchange-T Reduce -37.7% 0.03% −0.03
PM Philip Morris International Reduce -1.4% 1.00% −0.03
GDX Vaneck Gold Miners ETF Reduce -1.2% 0.65% −0.02
DFSD Dimensional Short Duration Sold out 0.00% −0.02
FNDF Schwab Fndmn Intl LRG Co. ETF Sold out 0.00% −0.02
SCHE Schwab Emrg Mrkts Eqty ETF Sold out 0.00% −0.02
VCIT Vanguard Int-Term Corporate Sold out 0.00% −0.02
BSVO EA Bridgeway Omni Sm-Cp Val Sold out 0.00% −0.02
GILD Gilead Sciences Inc. Reduce -0.6% 0.10% −0.02
EMB iShares JP Morgan Usd Emergi Sold out 0.00% −0.02
VB Vanguard Most SM-Cap ETF-Usd Sold out 0.00% −0.02
VYM Vanguard High DVD Yield ETF Reduce -36.4% 0.02% −0.02
DFAI Dimensional International Co. Reduce -36.2% 0.03% −0.02
TXT Textron Inc. Reduce -21.1% 0.05% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -5.2% 0.14% −0.01
FSM Fortuna Mining Corp. Reduce -35.5% 0.02% −0.01
AOR iShares Core 60/40 Balanced Reduce -20.7% 0.04% −0.01
KGC Kinross Gold Corp. Reduce -41.2% 0.02% −0.01
BBU Brookfield Business PT-Unit Reduce -0.3% 0.50% −0.01
DGRO iShares Core Dividend Growth Reduce -9.6% 0.05% −0.01
DFSE Dimensional Em Sus CORE1 ETF Reduce -15.2% 0.06% −0.01
VOO Vanguard S&P 500 ETF Reduce -2.1% 0.19% −0.01
PSEP Innovator U.S. Equity Power Reduce -24.5% 0.02% −0.01
AVUV Avantis US Small Cap Value Reduce -10.7% 0.04% −0.01
IAG Iamgold Corp. Reduce -29.2% 0.03% −0.01
VWO Vanguard Ftse Emerging Marke Reduce -31.2% 0.02% −0.01
SOBO South Bow Corp. Reduce -10.5% 0.04% −0.01
FTS Fortis Inc. Reduce -9.2% 0.04% −0.01

Portfolio Buys Q1 2025 → Q2 2025
RY Royal Bank of Canada Add +73.5% 2.12% +0.92
DFAX Dimensional World Ex US Core Add +33.0% 3.95% +0.88
JNJ Johnson & Johnson Add +99.3% 1.84% +0.68
TFLO iShares Treasury Floating Ra Add +109.5% 1.28% +0.57
COST Costco Wholesale Corp. Add +1665.3% 0.61% +0.57
MSFT Microsoft Corp. Add +406.2% 1.10% +0.50
ORCL Oracle Corp. Add +13.9% 1.16% +0.41
FIX Comfort Systems USA Inc. New 0.36% +0.36
VEU Vanguard Ftse All-World Ex-U Add +10.1% 3.85% +0.19
NFLX Netflix Inc. Add +306.2% 0.19% +0.16
GOOG Alphabet Inc. Class C Add +771.0% 1.71% +0.15
META Meta Platforms Inc. Class A Add +188.1% 0.21% +0.15
ITA iShares U.S. Aerospace & Def New 0.14% +0.14
CDNS Cadence Design SYS Inc. New 0.14% +0.14
V Visa Inc. Class A Add +597.0% 0.63% +0.14
HD Home Depot Inc. New 0.10% +0.10
LOW Lowe's Cos Inc. New 0.10% +0.10
NVDA Nvidia Corp. Add +117.1% 0.48% +0.10
UNH Unitedhealth Group Inc. New 0.10% +0.10
XLK SS Technology Select Sector Add +314.9% 0.12% +0.09
FISV Fiserv Inc. Add +585.8% 0.12% +0.09
PG The Procter & Gamble Co. New 0.09% +0.09
MA Mastercard Inc. Class A New 0.09% +0.09
ABBV Abbvie Inc. Add +614.4% 0.10% +0.08
NGD New Gold Inc. New 0.08% +0.08
VGT Vanguard Info Tech ETF Add +18.4% 0.36% +0.07
GS Goldman Sachs Group Inc. New 0.07% +0.07
GEV GE Vernova Inc. New 0.07% +0.07
TSLA Tesla Inc. Add +9.3% 0.43% +0.06
TJX TJX Companies Inc. New 0.06% +0.06
EQX Equinox Gold Corp. Add +210.0% 0.09% +0.05
SBUX Starbucks Corp. New 0.05% +0.05
WPM Wheaton Precious Metals Corp. New 0.04% +0.04
DIS The Walt Disney Co. Add +3.1% 0.41% +0.04
NTR Nutrien Ltd. New 0.04% +0.04
MRK Merck & Co. Inc. New 0.04% +0.04
ABT Abbott Laboratories New 0.04% +0.04
CVX Chevron Corp. New 0.04% +0.04
IWM iShares Russell 2000 ETF New 0.04% +0.04
XOM Exxon Mobil Corp. New 0.04% +0.04
BAM Brookfield Asset Mgmt-A New 0.04% +0.04
CARR Carrier Global Corp. New 0.04% +0.04
BA The Boeing Co. New 0.04% +0.04
HON Honeywell International Inc. New 0.03% +0.03
CRM Salesforce Inc. New 0.03% +0.03
TIXT Telus International Cda Inc. New 0.03% +0.03
PYPL PayPal Holdings Inc. Add +46.0% 0.10% +0.03
TFII Tfi International Inc. New 0.03% +0.03
SCHZ Schwab US Aggregate Bond ETF Add +6517.7% 0.05% +0.03
WFC Wells Fargo & Co. New 0.03% +0.03

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 294$1.8BVTI, VEU, DFAX, USFR, VGIT
Q1 2026 286$1.6BVTI, USFR, VEU, VGIT, DFAX
Q4 2025 260$1.5BVTI, AAPL, USFR, VGIT, DFAX
Q3 2025 266$1.4BVTI, USFR, AAPL, VGIT, DFAX
Q2 2025 242$1.3BVTI, USFR, VGIT, DFAX, AAPL
Q1 2025 179$1.1BVTI, USFR, VGIT, AAPL, VEU
Q4 2024 84$629.9MVTI, USFR, VGIT, LRGF, VEU
Q3 2024 83$599.9MVTI, USFR, VGIT, VEU, LRGF
Q2 2024 73$574.8MVTI, USFR, VGIT, VEU, LRGF
Q1 2024 72$525.6MVTI, USFR, VGIT, VEU, LRGF