Investment Philosophy
At the core of Cardinal Point Wealth Management is a rigorous, time-tested investment approach. It is our belief that our clients are best served by disciplined security selection, appropriate diversification, a measured amount of risk, and a long-term focus. For those with cross-border requirements, we provide an integrated approach to wealth management, allowing us to oversee accumulated wealth and investment accounts in the United States and Canada under one investment strategy.

Because we recognize the distinct nature of your personal and financial objectives, Cardinal Point is committed to offering only personalized investment management advice. We work with each client to define and develop clear portfolio objectives and design an appropriate asset allocation and investment plan to meet those objectives, allowing us to maximizing value for our clients.

At Cardinal Point, we are guided by the following beliefs:

• The core and satellite investment philosophy, used by many experienced institutional investors and ultra high net-worth families, best serves our clients.
• The core should be structured using cost-effective and tax-efficient index funds and exchange trades funds (ETFs) to capture asset class returns.
• The satellite component offers further diversification and superior return potential utilizing active management and alternative strategies.
• A prudent, disciplined process helps ensure that all aspects of a client's investment program follow a clear and well-conceived strategy. Simply put, we do not believe in shortcuts or generic solutions.