Cardinal Point Wealth Management provides comprehensive portfolio management, financial planning, and tax preparation services for individuals, families, and businesses. The firm specializes in cross-border financial planning, helping clients navigate complex financial situations spanning the United States and Canada. Cardinal Point employs a long-term, globally diversified asset allocation strategy utilizing a core and satellite approach, combining exchange-traded funds, mutual funds, individual stocks, bonds, and alternative investments. The firm operates as a fiduciary, legally required to act in your best interest. Cardinal Point requires a minimum account balance of $2,000,000 for portfolio management services, though clients with smaller accounts who receive a written financial plan are subject to a minimum fee of $23,000.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.25% |
| $1.0M - $3.0M | 1.05% |
| $3.0M - $7.0M | 0.80% |
| $7.0M - $10.0M | 0.55% |
| $10.0M - $15.0M | 0.45% |
| $15.0M - $25.0M | 0.35% |
| $25M+ | 0.25% |
Fees are generally non-negotiable, though the firm may reduce account minimums or fee rates at its discretion.