Cardinal Wealth Management LLC is a registered investment advisor founded in 2025 and based in McKinney, Texas. Christopher Cardinal is the sole owner and principal of the firm. Cardinal Wealth Management offers comprehensive financial planning and investment advisory services, operating as a fiduciary required to act in clients' best interests. Financial planning is available either as a one-time written plan or through an ongoing subscription with multiple tiers based on complexity, covering retirement, cash-flow and debt strategy, tax strategy coordination, estate planning guidance, equity compensation planning, and risk management. For clients who want portfolio oversight, discretionary and non-discretionary investment management is available as an additional service. The firm utilizes a "greater-of" billing approach for ongoing clients who engage both planning and asset management, ensuring they pay the greater of the two fees rather than both. Additionally, the firm publishes a newsletter called Cardinal Insights. Cardinal Wealth Management does not have account minimums and serves clients in the wealth-building phase.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 1.50% |
| $100K - $250K | 1.25% |
| $250K - $500K | 1.00% |
| $500K - $1.0M | 0.85% |
| $1M+ | 0.75% |
Fees are negotiable at the firm's discretion. Ongoing clients subject to a $1,800 minimum annual fee. Greater-of billing applies for clients combining planning and asset management.