AI Portfolio Summary
In 2025 Q4, Cardinal Point Capital Management ULC maintained a portfolio of 289 distinct positions. They heavily accumulated shares in VANGUARD INDEX FDS, increasing their position by 2.1%. Conversely, Cardinal Point Capital Management ULC completely exited their position in EMERA INC.
Total Positions
289
Quarter
2025 Q4
Top Holding
VTI (12.8%)
Top 10 Concentration
45.0%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 289
| Stock | History | Sector / Type | Port % | Prev % | Rank / Prev | Conviction | Change | % Change | Influence | Shares | Mkt Value | Avg Cost | Price Held | 1st Owned | Source | Source Date | Date Reported |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
VTI
VANGUARD INDEX ...
|
ETF | 12.75% | 13.03% |
#1
Prev: #1
|
6.5 | 12,230 | 2.1% |
P
S
|
581,804 | $195,061,392 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AAPL
APPLE INC
|
Technology | 4.87% | 4.94% |
#2
1
Prev: #3
|
3.9 | -4,187 | -1.5% |
P
S
|
274,167 | $74,534,914 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
USFR
WISDOMTREE TR
|
ETF | 4.73% | 5.02% |
#3
1
Prev: #2
|
3.4 | 10,977 | 0.8% |
P
S
|
1,436,883 | $72,303,949 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VGIT
VANGUARD SCOTTS...
|
Bond/Debt | 4.26% | 4.18% |
#4
Prev: #4
|
4.2 | 97,007 | 9.8% |
P
S
|
1,088,041 | $65,206,312 | 2023 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFAX
DIMENSIONAL ETF...
|
ETF | 3.94% | 3.91% |
#5
Prev: #5
|
2.6 | 52,223 | 2.9% |
P
S
|
1,842,315 | $60,298,956 | 2024 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VEU
VANGUARD INTL E...
|
ETF | 3.92% | 3.89% |
#6
Prev: #6
|
2.1 | 34,880 | 4.5% |
P
S
|
814,585 | $59,920,898 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
LRGF
ISHARES TR
|
ETF | 3.36% | 3.46% |
#7
Prev: #7
|
1.8 | 18,431 | 2.6% |
P
S
|
741,187 | $51,460,625 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFAC
DIMENSIONAL ETF...
|
ETF | 2.51% | 2.50% |
#8
1
Prev: #9
|
1.5 | 35,598 | 3.8% |
P
S
|
969,697 | $38,390,293 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MUB
ISHARES TR
|
ETF | 2.50% | 2.62% |
#9
1
Prev: #8
|
1.5 | 6,978 | 2.0% |
P
S
|
356,448 | $38,179,145 | 2024 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
RY
ROYAL BK CDA
|
Financial Services | 2.21% | 2.05% |
#10
1
Prev: #11
|
1.4 | -1,042 | -0.5% |
P
S
|
198,039 | $33,809,455 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DBMF
LITMAN GREGORY ...
|
ETF | 2.14% | 2.20% |
#11
1
Prev: #10
|
1.4 | 41,605 | 3.7% |
P
S
|
1,164,616 | $32,679,121 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
GOOG
ALPHABET INC
|
Communication Services | 2.10% | 1.84% |
#12
1
Prev: #13
|
1.3 | -5,146 | -4.8% |
P
S
|
102,541 | $32,177,496 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
PYLD
PIMCO ETF TR
|
ETF | 1.88% | 1.86% |
#13
1
Prev: #12
|
2.8 | 77,634 | 7.8% |
P
S
|
1,074,809 | $28,815,522 | 2024 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
TD
TORONTO DOMINIO...
|
Financial Services | 1.83% | 1.67% |
#14
Prev: #14
|
1.2 | -1,742 | -0.6% |
P
S
|
296,898 | $28,021,796 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MINO
PIMCO ETF TR
|
ETF | 1.65% | 0.13% |
#15
71
Prev: #86
|
3.7 | 515,858 | 1302.7% |
P
S
|
555,458 | $25,256,675 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IAU
ISHARES GOLD TR
|
ETF | 1.58% | 1.63% |
#16
1
Prev: #15
|
1.1 | -1,616 | -0.5% |
P
S
|
298,440 | $24,224,334 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BMO
BANK MONTREAL Q...
|
Financial Services | 1.52% | 1.62% |
#17
1
Prev: #16
|
1.1 | 1,041 | 0.6% |
P
S
|
178,488 | $23,212,816 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
TFLO
ISHARES TR
|
ETF | 1.28% | 1.14% |
#18
4
Prev: #22
|
3.0 | 67,195 | 20.9% |
P
S
|
388,922 | $19,624,983 | 2023 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JPM
JPMORGAN CHASE ...
|
Financial Services | 1.27% | 1.31% |
#19
2
Prev: #17
|
1.0 | 703 | 1.2% |
P
S
|
60,166 | $19,386,548 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
WMT
WALMART INC
|
Consumer Defensive | 1.24% | 1.19% |
#20
1
Prev: #19
|
1.0 | 5,672 | 3.4% |
P
S
|
170,480 | $18,994,688 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
CSCO
CISCO SYS INC
|
Technology | 1.23% | 1.15% |
#21
Prev: #21
|
1.0 | 2,929 | 1.2% |
P
S
|
244,165 | $18,808,058 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SU
SUNCOR ENERGY I...
|
Energy | 1.15% | 1.13% |
#22
1
Prev: #23
|
1.0 | 8,998 | 2.3% |
P
S
|
395,317 | $17,570,926 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MFC
MANULIFE FINL C...
|
Financial Services | 1.10% | 0.99% |
#23
2
Prev: #25
|
0.9 | 11,329 | 2.5% |
P
S
|
464,665 | $16,896,909 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BNS
BANK NOVA SCOTI...
|
Financial Services | 1.06% | 0.99% |
#24
Prev: #24
|
0.9 | 971 | 0.4% |
P
S
|
219,961 | $16,245,926 | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JNJ
JOHNSON & JOHNS...
|
Healthcare | 1.03% | 0.98% |
#25
1
Prev: #26
|
0.9 | 728 | 1.0% |
P
S
|
76,385 | $15,807,789 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
EMRAF
EMERA INC
|
Unknown | 0.00% | 0.71% |
Sold All 😨
(Was: #37) |
0.0 | -213,007 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
WTW
WILLIS TOWERS W...
|
Financial Services | 0.00% | 0.62% |
Sold All 😨
(Was: #42) |
0.0 | -25,591 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MTD
METTLER TOLEDO ...
|
Healthcare | 0.00% | 0.16% |
Sold All 😨
(Was: #73) |
0.0 | -1,845 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AMRZ
AMRIZE LTD
|
Basic Materials | 0.00% | 0.16% |
Sold All 😨
(Was: #75) |
0.0 | -46,185 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOD
VODAFONE GROUP ...
|
Communication Services | 0.00% | 0.06% |
Sold All 😨
(Was: #119) |
0.0 | -74,465 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MDT
MEDTRONIC PLC
|
Healthcare | 0.00% | 0.05% |
Sold All 😨
(Was: #130) |
0.0 | -7,722 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
INTC
INTEL CORP
|
Technology | 0.00% | 0.04% |
Sold All 😨
(Was: #137) |
0.0 | -18,621 | -100.0% |
CLOSED
|
— | $— | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ERIC
TELEFONAKTIEBOL...
|
Technology | 0.00% | 0.04% |
Sold All 😨
(Was: #148) |
0.0 | -64,750 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
PAVE
GLOBAL X FDS
|
ETF | 0.00% | 0.03% |
Sold All 😨
(Was: #160) |
0.0 | -9,816 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MELI
MERCADOLIBRE IN...
|
Consumer Cyclical | 0.00% | 0.03% |
Sold All 😨
(Was: #164) |
0.0 | -195 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DEO
DIAGEO PLC
|
Consumer Defensive | 0.00% | 0.03% |
Sold All 😨
(Was: #169) |
0.0 | -4,540 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ZTS
ZOETIS INC
|
Healthcare | 0.00% | 0.03% |
Sold All 😨
(Was: #176) |
0.0 | -2,800 | -100.0% |
CLOSED
|
— | $— | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
PHO
INVESCO EXCHANG...
|
ETF | 0.00% | 0.03% |
Sold All 😨
(Was: #182) |
0.0 | -5,216 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
HACK
AMPLIFY ETF TR
|
ETF | 0.00% | 0.03% |
Sold All 😨
(Was: #184) |
0.0 | -4,079 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
NVS
NOVARTIS AG
|
Healthcare | 0.00% | 0.02% |
Sold All 😨
(Was: #206) |
0.0 | -2,345 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MOS
MOSAIC CO NEW
|
Basic Materials | 0.00% | 0.02% |
Sold All 😨
(Was: #209) |
0.0 | -8,375 | -100.0% |
CLOSED
|
— | $— | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
RBLX
ROBLOX CORP
|
Communication Services | 0.00% | 0.02% |
Sold All 😨
(Was: #210) |
0.0 | -2,223 | -100.0% |
CLOSED
|
— | $— | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
CPB
THE CAMPBELLS C...
|
Consumer Defensive | 0.00% | 0.02% |
Sold All 😨
(Was: #218) |
0.0 | -8,450 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BP
BP PLC
|
Energy | 0.00% | 0.02% |
Sold All 😨
(Was: #225) |
0.0 | -7,525 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
WTMF
WISDOMTREE TR
|
ETF | 0.00% | 0.02% |
Sold All 😨
(Was: #230) |
0.0 | -6,530 | -100.0% |
CLOSED
|
— | $— | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BABA
ALIBABA GROUP H...
|
Consumer Cyclical | 0.00% | 0.02% |
Sold All 😨
(Was: #232) |
0.0 | -1,400 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
FEZ
SPDR INDEX SHS ...
|
Unknown | 0.00% | 0.02% |
Sold All 😨
(Was: #234) |
0.0 | -3,975 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
APD
AIR PRODS & CHE...
|
Basic Materials | 0.00% | 0.02% |
Sold All 😨
(Was: #249) |
0.0 | -800 | -100.0% |
CLOSED
|
— | $— | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ASML
ASML HOLDING N ...
|
Technology | 0.00% | 0.02% |
Sold All 😨
(Was: #250) |
0.0 | -225 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
HON
HONEYWELL INTL ...
|
Industrials | 0.00% | 0.01% |
Sold All 😨
(Was: #255) |
0.0 | -1,009 | -100.0% |
CLOSED
|
— | $— | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
FLO
FLOWERS FOODS I...
|
Consumer Defensive | 0.00% | 0.01% |
Sold All 😨
(Was: #258) |
0.0 | -15,600 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
QTUM
ETF SER SOLUTIO...
|
Bond/Debt | 0.00% | 0.01% |
Sold All 😨
(Was: #259) |
0.0 | -1,809 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
XBI
SPDR SERIES TRU...
|
Unknown | 0.00% | 0.01% |
Sold All 😨
(Was: #260) |
0.0 | -1,919 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
INDA
ISHARES TR
|
ETF | 0.00% | 0.01% |
Sold All 😨
(Was: #263) |
0.0 | -3,786 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-25 of 289 holdings