CARDINAL POINT CAPITAL MANAGEMENT ULC

PrivateCIK: 1950841

Location

TORONTO, A6

294

Positions

$1.77B

Total AUM (reported)

23.90M

Total Shares

Allocation by class

COM$616.35M34.9%

TOTAL STK MKT$229.07M13.0%

ALLWRLD EX US$76.90M4.4%

WORLD EX US CORE$72.34M4.1%

FLOATNG RAT TREA$72.31M4.1%

INTER TERM TREAS$69.98M4.0%

U S EQUITY FACTR$55.71M3.2%

Portfolio Concentration

Top 3$378.31M21.4%

4–10$393.23M22.3%

11–25$394.71M22.4%

Rest$598.87M33.9%

Top 3 weight

21.4%

Top 10 weight

43.7%

Voting Authority Distribution

Total shares with voting rights: 23.90M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

23.90M

% of voting shares100.0%

Investment Discretion (by position count)

Sole294

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings294

Rows:

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares619.03K

TypeSH

Market value$229.07M

12.98%

Sole

0.00

Shared

0.00

None

619.03K

VANGUARD INTL EQUITY INDEX F

SOLE

ALLWRLD EX US

Shares918.22K

TypeSH

Market value$76.90M

4.36%

Sole

0.00

Shared

0.00

None

918.22K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares1.96M

TypeSH

Market value$72.34M

4.10%

Sole

0.00

Shared

0.00

None

1.96M

WISDOMTREE TR

SOLE

FLOATNG RAT TREA

Shares1.44M

TypeSH

Market value$72.31M

4.10%

Sole

0.00

Shared

0.00

None

1.44M

VANGUARD SCOTTSDALE FDS

SOLE

INTER TERM TREAS

Shares1.19M

TypeSH

Market value$69.98M

3.96%

Sole

0.00

Shared

0.00

None

1.19M

APPLE INC

SOLE

COM

Shares241.07K

TypeSH

Market value$69.76M

3.95%

Sole

0.00

Shared

0.00

None

241.07K

ISHARES TR

SOLE

U S EQUITY FACTR

Shares736.67K

TypeSH

Market value$55.71M

3.16%

Sole

0.00

Shared

0.00

None

736.67K

DIMENSIONAL ETF TRUST

SOLE

US COR EQU 2 ETF

Shares1.04M

TypeSH

Market value$46.02M

2.61%

Sole

0.00

Shared

0.00

None

1.04M

ROYAL BK CDA

SOLE

COM

Shares192.78K

TypeSH

Market value$39.84M

2.26%

Sole

0.00

Shared

0.00

None

192.78K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares368.01K

TypeSH

Market value$39.61M

2.24%

Sole

0.00

Shared

0.00

None

368.01K

LITMAN GREGORY FDS TR

SOLE

IMGP DBI MAN ETF

Shares1.26M

TypeSH

Market value$38.50M

2.18%

Sole

0.00

Shared

0.00

None

1.26M

ALPHABET INC

SOLE

CAP STK CL C

Shares106.67K

TypeSH

Market value$37.69M

2.14%

Sole

0.00

Shared

0.00

None

106.67K

TORONTO DOMINION BK ONT

SOLE

COM NEW

Shares286.03K

TypeSH

Market value$34.71M

1.97%

Sole

0.00

Shared

0.00

None

286.03K

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares1.27M

TypeSH

Market value$33.64M

1.91%

Sole

0.00

Shared

0.00

None

1.27M

BANK MONTREAL MEDIUM

SOLE

COM

Shares175.54K

TypeSH

Market value$30.97M

1.75%

Sole

0.00

Shared

0.00

None

175.54K

NVIDIA CORPORATION

SOLE

COM

Shares153.74K

TypeSH

Market value$30.76M

1.74%

Sole

0.00

Shared

0.00

None

153.74K

PIMCO ETF TR

SOLE

MUNI INCOME OPP

Shares589.98K

TypeSH

Market value$27.00M

1.53%

Sole

0.00

Shared

0.00

None

589.98K

VANGUARD INSTL INDEX FD

SOLE

0 3 MO TR BI ETF

Shares320.74K

TypeSH

Market value$24.27M

1.38%

Sole

0.00

Shared

0.00

None

320.74K

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares295.33K

TypeSH

Market value$22.30M

1.26%

Sole

0.00

Shared

0.00

None

295.33K

JPMORGAN CHASE & CO

SOLE

COM

Shares60.96K

TypeSH

Market value$19.96M

1.13%

Sole

0.00

Shared

0.00

None

60.96K

SUNCOR ENERGY INC NEW

SOLE

COM

Shares370.02K

TypeSH

Market value$19.87M

1.13%

Sole

0.00

Shared

0.00

None

370.02K

ISHARES TR

SOLE

TRS FLT RT BD

Shares373.10K

TypeSH

Market value$18.89M

1.07%

Sole

0.00

Shared

0.00

None

373.10K

MANULIFE FINL CORP

SOLE

COM

Shares465.93K

TypeSH

Market value$18.86M

1.07%

Sole

0.00

Shared

0.00

None

465.93K

CISCO SYS INC

SOLE

COM

Shares159.17K

TypeSH

Market value$18.70M

1.06%

Sole

0.00

Shared

0.00

None

159.17K

BANK NOVA SCOTIA B C

SOLE

COM

Shares214.40K

TypeSH

Market value$18.60M

1.05%

Sole

0.00

Shared

0.00

None

214.40K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	619.03K	SH	$229.07M 12.98%	619.03K
VANGUARD INTL EQUITY INDEX FSOLE	ALLWRLD EX US	918.22K	SH	$76.90M 4.36%	918.22K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	1.96M	SH	$72.34M 4.10%	1.96M
WISDOMTREE TRSOLE	FLOATNG RAT TREA	1.44M	SH	$72.31M 4.10%	1.44M
VANGUARD SCOTTSDALE FDSSOLE	INTER TERM TREAS	1.19M	SH	$69.98M 3.96%	1.19M
APPLE INCSOLE	COM	241.07K	SH	$69.76M 3.95%	241.07K
ISHARES TRSOLE	U S EQUITY FACTR	736.67K	SH	$55.71M 3.16%	736.67K
DIMENSIONAL ETF TRUSTSOLE	US COR EQU 2 ETF	1.04M	SH	$46.02M 2.61%	1.04M
ROYAL BK CDASOLE	COM	192.78K	SH	$39.84M 2.26%	192.78K
ISHARES TRSOLE	NATIONAL MUN ETF	368.01K	SH	$39.61M 2.24%	368.01K
LITMAN GREGORY FDS TRSOLE	IMGP DBI MAN ETF	1.26M	SH	$38.50M 2.18%	1.26M
ALPHABET INCSOLE	CAP STK CL C	106.67K	SH	$37.69M 2.14%	106.67K
TORONTO DOMINION BK ONTSOLE	COM NEW	286.03K	SH	$34.71M 1.97%	286.03K
PIMCO ETF TRSOLE	MULTISECTOR BD	1.27M	SH	$33.64M 1.91%	1.27M
BANK MONTREAL MEDIUMSOLE	COM	175.54K	SH	$30.97M 1.75%	175.54K
NVIDIA CORPORATIONSOLE	COM	153.74K	SH	$30.76M 1.74%	153.74K
PIMCO ETF TRSOLE	MUNI INCOME OPP	589.98K	SH	$27.00M 1.53%	589.98K
VANGUARD INSTL INDEX FDSOLE	0 3 MO TR BI ETF	320.74K	SH	$24.27M 1.38%	320.74K
ISHARES GOLD TRSOLE	ISHARES NEW	295.33K	SH	$22.30M 1.26%	295.33K
JPMORGAN CHASE & COSOLE	COM	60.96K	SH	$19.96M 1.13%	60.96K
SUNCOR ENERGY INC NEWSOLE	COM	370.02K	SH	$19.87M 1.13%	370.02K
ISHARES TRSOLE	TRS FLT RT BD	373.10K	SH	$18.89M 1.07%	373.10K
MANULIFE FINL CORPSOLE	COM	465.93K	SH	$18.86M 1.07%	465.93K
CISCO SYS INCSOLE	COM	159.17K	SH	$18.70M 1.06%	159.17K
BANK NOVA SCOTIA B CSOLE	COM	214.40K	SH	$18.60M 1.05%	214.40K

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