Cardinal Point Capital Management ULC — Q4 2025 13F Holdings

Name: Cardinal Point Capital Management ULC — 13F Holdings, Q4 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001950841

Total reported value

$1.8B

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Full holdings list this quarter

Showing top 200 holdings (of 260 total)

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	12.75%	+0.94%	+2.15%
2	AAPL	Apple INC	Stock-Tech	4.87%	+0.30%	-1.50%
3	USFR	Wisdomtree Floating Rate Tre	ETF-Other	4.73%	-0.45%	+0.77%
4	VGIT	Vanguard Intermediate-term T	ETF-Other	4.26%	-0.20%	+9.79%
5	DFAX	Dimensional World Ex US Core	ETF-Other	3.94%	+0.04%	+2.92%
6	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	3.92%	+0.19%	+4.47%
7	LRGF	Ishares US Equity Factor ETF	ETF-Other	3.36%	+0.20%	+2.55%
8	DFAC	Dimensional US Core Equity 2	ETF-Other	2.51%	+0.16%	+3.81%
9	MUB	Ishares National Muni Bond E	ETF-Other	2.50%	-0.10%	+2.00%
10	RY	Royal Bank Of Canada	Stock-Financials	2.21%	+0.32%	-0.52%
11	DBMF	Imgp Dbi Managed Futures Str	ETF-Other	2.14%	-0.10%	+3.70%
12	GOOG	Alphabet Inc-cl C	Stock-Comm Services	2.10%	+0.36%	-4.78%
13	PYLD	Pimco Multisector Bond Actv	ETF-Other	1.88%	+0.01%	+7.79%
14	TD	Toronto-dominion Bank	Stock-Financials	1.83%	+0.30%	-0.58%
15	MINO	Pimco Municipal Income Oppor	ETF-Other	1.65%	—	+1302.67%
16	IAU	Ishares Gold Trust	ETF-Commodities	1.58%	-0.38%	-0.54%
17	BMO	Bank Of Montreal	Stock-Financials	1.52%	+0.29%	+0.59%
18	TFLO	Ishares Treasury Floating Ra	ETF-Gov Bonds	1.28%	-0.53%	+20.89%
19	JPM	Jpmorgan Chase & Co	Stock-Financials	1.27%	+0.03%	+1.18%
20	WMT	Walmart INC	Stock-Consumer Staples	1.24%	-0.23%	+3.44%
21	CSCO	Cisco Systems INC	Stock-Tech	1.23%	—	+1.21%
22	SU	Suncor Energy INC	Stock-Energy	1.15%	-0.40%	+2.33%
23	MFC	Manulife Financial CORP	Stock-Financials	1.10%	+0.08%	+2.50%
24	BNS	Bank Of Nova Scotia	Stock-Financials	1.06%	+0.14%	+0.44%
25	JNJ	Johnson & Johnson	Stock-Healthcare	1.03%	—	+0.96%
26	ENB	Enbridge INC	Stock-Energy	1.03%	—	-0.28%
27	NEM	Newmont CORP	Stock-Materials	0.92%	-0.20%	+0.02%
28	TRP	Tc Energy CORP	Stock-Energy	0.92%	—	+0.66%
29	MSFT	Microsoft CORP	Stock-Tech	0.90%	—	+8.09%
30	ORCL	Oracle CORP	Stock-Tech	0.89%	—	+4.74%
31	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.87%	+0.04%	-0.34%
32	CNI	Canadian Natl Railway Co	Stock-Industrials	0.86%	+0.06%	+6.47%
33	GDX	Vaneck Gold Miners ETF	ETF-Commodities	0.86%	-0.20%	-1.15%
34	RCI	Rogers Communications Inc-b	Stock-Other	0.81%	-0.17%	-0.69%
35	PM	Philip Morris International	Stock-Consumer Staples	0.80%	+0.01%	+11.03%
36	AEM	Agnico Eagle Mines LTD	Stock-Materials	0.77%	-0.24%	-1.43%
37	IBM	Intl Business Machines CORP	Stock-Tech	0.72%	+0.07%	+0.87%
38	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.70%	+0.06%	+2.43%
39	GIB	Cgi INC	Stock-Tech	0.68%	—	+4.37%
40	PEP	Pepsico INC	Stock-Consumer Staples	0.67%	-0.13%	+2.87%
41	SUNC	Sunococorp LLC	Stock-Other	0.66%	—	—
42	CVS	Cvs Health CORP	Stock-Healthcare	0.64%	+0.19%	-1.10%
43	FTLS	First Trust Long/short Eqty	ETF-Other	0.63%	—	+6.47%
44	BBUC	Brookfield Business Corporation	Stock-Other	0.55%	—	+0.35%
45	OTEX	Open Text CORP	Stock-Other	0.55%	—	-0.64%
46	FDX	Fedex CORP	Stock-Industrials	0.54%	-0.13%	+4.68%
47	DFSU	Dimensional US Sus Core1 ETF	ETF-Other	0.54%	—	+0.75%
48	PFE	Pfizer INC	Stock-Healthcare	0.53%	-0.12%	+2.99%
49	V	Visa Inc-class A Shares	Stock-Financials	0.52%	—	+0.98%
50	TSLA	Tesla INC	Stock-Consumer Disc	0.51%	+0.03%	-0.22%

1–50 of 200

Holding changes this quarter

Position changes disclosed by Cardinal Point Capital Management ULC for the quarter ending Q4 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	MINO	Pimco Municipal Income Oppor	+1.5%	+1302.67%	Add
2	GOOG	Alphabet Inc-cl C	+0.3%	-4.78%	Trim
3	RY	Royal Bank Of Canada	+0.2%	-0.52%	Trim
4	TD	Toronto-dominion Bank	+0.2%	-0.58%	Trim
5	TFLO	Ishares Treasury Floating Ra	+0.1%	+20.89%	Add
6	GOOGL	Alphabet Inc-cl A	+0.1%	+2.43%	Add
7	MFC	Manulife Financial CORP	+0.1%	+2.50%	Add
8	NEM	Newmont CORP	+0.1%	+0.02%	Add
9	FDX	Fedex CORP	+0.1%	+4.68%	Add
10	VGIT	Vanguard Intermediate-term T	+0.1%	+9.79%	Add
11	CSCO	Cisco Systems INC	+0.1%	+1.21%	Add
12	BNS	Bank Of Nova Scotia	+0.1%	+0.44%	Add
13	WMT	Walmart INC	+0.1%	+3.44%	Add
14	JNJ	Johnson & Johnson	+0.1%	+0.96%	Add
15	CMI	Cummins INC	+0.1%	+141.20%	Add
16	CNI	Canadian Natl Railway Co	0%	+6.47%	Add
17	AMZN	Amazon.com INC	0%	+12.19%	Add
18	VTRS	Viatris INC	0%	+0.18%	Add
19	DFAX	Dimensional World Ex US Core	0%	+2.92%	Add
20	VEU	Vanguard Ftse All-world Ex-u	0%	+4.47%	Add
21	GDX	Vaneck Gold Miners ETF	0%	-1.15%	Trim
22	PYLD	Pimco Multisector Bond Actv	0%	+7.79%	Add
23	SU	Suncor Energy INC	0%	+2.33%	Add
24	PM	Philip Morris International	0%	+11.03%	Add
25	FTLS	First Trust Long/short Eqty	0%	+6.47%	Add
26	CNQ	Canadian Natural Resources	0%	+4.05%	Add
27	DFAC	Dimensional US Core Equity 2	0%	+3.81%	Add
28	RCI	Rogers Communications Inc-b	0%	-0.69%	Trim
29	GIB	Cgi INC	0%	+4.37%	Add
30	IAU	Ishares Gold Trust	-0.1%	-0.54%	Trim
31	FISV	Fiserv INC	-0.1%	-27.69%	Trim
32	DBMF	Imgp Dbi Managed Futures Str	-0.1%	+3.70%	Add
33	AAPL	Apple INC	-0.1%	-1.50%	Trim
34	LRGF	Ishares US Equity Factor ETF	-0.1%	+2.55%	Add
35	MUB	Ishares National Muni Bond E	-0.1%	+2.00%	Add
36	CMCSA	Comcast Corp-class A	-0.1%	-18.52%	Trim
37	OTEX	Open Text CORP	-0.1%	-0.64%	Trim
38	ENB	Enbridge INC	-0.1%	-0.28%	Trim
39	VTI	Vanguard Total Stock Mkt ETF	-0.3%	+2.15%	Add
40	ORCL	Oracle CORP	-0.4%	+4.74%	Add
41	EMA	Emera INC	—	EXIT	Sold out
42	SUNC	Sunococorp LLC	—	NEW	New buy
43	WTW	Willis Towers Watson Public Limited Company	—	EXIT	Sold out
44	SCHW	Schwab (charles) CORP	—	NEW	New buy
45	BGSI	THE Boyd Group INC	—	NEW	New buy
46	MTD	Mettler-toledo International	—	EXIT	Sold out
47	AMRZ	Amrize Ltd	—	EXIT	Sold out
48	VOD	Vodafone Group Plc-sp Adr	—	EXIT	Sold out
49	MPC	Marathon Petroleum CORP	—	NEW	New buy
50	MDT	Medtronic plc	—	EXIT	Sold out