Cardinal Point Capital Management ULC

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CIK 1950841

13F portfolio (2026-Q1)

$1.6B

Positions

286

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

286

Top 5

29.0%

Top 10

42.7%

Effective N

32.4

HHI

0.031

This quarter

48 new · 0 exit →

By sector

Unclassified55.8%

Financials10.1%

Information Technology9.9%

Energy4.4%

Industrials3.6%

Communication Services3.5%

Materials3.5%

Consumer Discretionary3.4%

Other5.7%

By market cap

Unknown67.3%

Mega (>$200B)21.0%

Large ($10–200B)9.3%

Mid ($2–10B)2.3%

Small ($300M–2B)0.1%

Micro (<$300M)0.0%

By region

Other55.8%

North America44.2%

Europe0.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	56.53%	119
Banks	7.55%	11
Technology Hardware & Equipment	5.44%	5
Oil, Gas & Consumable Fuels	4.45%	13
Software & IT Services	3.27%	7
Metals & Mining	2.66%	19
Specialty Retail	2.41%	9
Pharmaceuticals & Biotechnology	2.32%	10
Software	1.80%	6
Semiconductors & Semiconductor Equipment	1.76%	6
Insurance	1.22%	4
Utilities	1.17%	4
Road & Rail	0.95%	4
Construction & Engineering	0.95%	2
Commercial Services & Supplies	0.79%	7
Chemicals	0.76%	9
Tobacco	0.76%	2
Beverages	0.70%	2
Airlines	0.68%	2
Food & Staples Retailing	0.54%	1
Professional Services	0.54%	1
Automobiles & Components	0.47%	1
Media & Entertainment	0.44%	2
Diversified Telecommunication Services	0.36%	4
Hotels, Restaurants & Leisure	0.28%	3
Entertainment	0.23%	1
Capital Markets	0.14%	4
Real Estate Management & Development	0.13%	1
Electrical Equipment & Components	0.12%	2
Leisure Products	0.09%	1
Aerospace & Defense	0.08%	4
Machinery	0.08%	4
Distributors	0.07%	3
Communications Equipment	0.05%	2
Food Products	0.04%	2
Equity Real Estate Investment Trusts (REITs)	0.04%	1
Health Care Equipment & Supplies	0.03%	2
Construction Materials	0.03%	1
Paper & Forest Products	0.02%	1
Textiles, Apparel & Luxury Goods	0.02%	1
Transportation Infrastructure	0.02%	1
Household Durables	0.01%	1
Health Care Providers & Services	0.01%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VTI	VANGUARD INDEX FDS	Unclassified	12.04%
2	USFR	WISDOMTREE TR	Unclassified	4.55%
3	VEU	VANGUARD INTL EQUITY INDEX F	Unclassified	4.17%
4	VGIT	VANGUARD SCOTTSDALE FDS	Unclassified	4.16%
5	DFAX	DIMENSIONAL ETF TRUST	Unclassified	4.06%
6	AAPL	Apple Inc.	Information Technology	3.65%
7	LRGF	ISHARES TR	Unclassified	2.96%
8	DFAC	DIMENSIONAL ETF TRUST	Unclassified	2.45%
9	MUB	ISHARES TR	Unclassified	2.34%
10	DBMF	LITMAN GREGORY FDS TR	Unclassified	2.28%

169/286 names classified · sector 44.2% of weight · industry 43.5% · mkt cap 32.7%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 14 quarters

FinancialsRY, TD, BMO, JPM, MFC · other

Information TechnologyAAPL, CSCO, MSFT, ORCL, NVDA · other

Consumer DiscretionaryTSLA, WMT, AMZN, COST, MCD · other

Communication ServicesGOOG, GOOGL, CMCSA, DIS, TU · other

EnergySU, ENB, CNQ, SUNC, LBRT · other

MaterialsAEM, NEM, KVUE, ECL, GLW · other

IndustrialsCNI, GIB, FDX, BBUC, FIX · other

Health CareJNJ, PFE, VTRS, ZTS, MTD · other

Consumer StaplesPM, PEP, CVS, ADM, DEO · other

UtilitiesTRP, TAC, EMA, FTS, BEPC · other

Real EstateFSV, BN, IRM

UnclassifiedVTI, USFR, VEU, LRGF, VGIT · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 44.2% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 26% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (110 classified)Cardinal Point Capital Management ULC centroid (Large Core)

Information TechnologyConsumer DiscretionaryCommunication ServicesFinancialsHealth CareConsumer StaplesMaterialsIndustrialsEnergyReal Estate

Style box summary for Cardinal Point Capital Management ULC: centroid Large Core. Heaviest cells: Large Growth 14.0%, Large Core 5.0%, Large Value 4.3%.

Classified: 26.0% of book weight (110/286 names) · unclassified 74.0%: VTI, USFR, VEU, VGIT, DFAX, LRGF, DFAC, MUB, DBMF, RY +166 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 286 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VTIVANGUARD INDEX FDS	611,956	$196M	12.0%	ADD 5%
2	USFRWISDOMTREE TR	1,474,438	$74M	4.6%	ADD 3%
3	VEUVANGUARD INTL EQUITY INDEX F	904,871	$68M	4.2%	ADD 11%
4	VGITVANGUARD SCOTTSDALE FDS	1,140,442	$68M	4.2%	ADD 5%
5	DFAXDIMENSIONAL ETF TRUST	1,949,020	$66M	4.1%	ADD 6%
6	AAPLAPPLE INC	234,645	$60M	3.7%	TRIM −14%
7	LRGFISHARES TR	731,889	$48M	3.0%	HOLD
8	DFACDIMENSIONAL ETF TRUST	1,027,815	$40M	2.4%	ADD 6%
9	MUBISHARES TR	359,320	$38M	2.3%	HOLD
10	DBMFLITMAN GREGORY FDS TR	1,234,297	$37M	2.3%	ADD 6%
11	RYROYAL BK CDA	196,519	$32M	1.9%	HOLD
12	PYLDPIMCO MULTISECTOR BOND ACTIVE EXCHANGE-TRADED FUND	1,183,801	$31M	1.9%	ADD 10%
13	GOOGALPHABET INC	101,201	$29M	1.8%	HOLD
14	TDTORONTO DOMINION BK ONT	293,001	$27M	1.7%	HOLD
15	IAUISHARES GOLD TR	303,426	$27M	1.6%	HOLD
16	NVDANVIDIA CORPORATION	153,068	$27M	1.6%	ADD 302%
17	MINOPIMCO ETF TR	585,778	$26M	1.6%	ADD 5%
18	TFLOISHARES TR	514,649	$26M	1.6%	ADD 32%
19	SUSUNCOR ENERGY INC NEW	378,476	$25M	1.5%	TRIM −4%
20	BMOBANK MONTREAL MEDIUM	176,674	$24M	1.5%	HOLD
21	VBILVANGUARD INSTL INDEX FD	273,105	$21M	1.3%	NEW
22	WMTWALMART INC	164,402	$20M	1.3%	TRIM −4%
23	CSCOCISCO SYS INC	237,609	$18M	1.1%	TRIM −3%
24	JNJJOHNSON & JOHNSON	74,043	$18M	1.1%	TRIM −3%
25	JPMJPMORGAN CHASE & CO	60,898	$18M	1.1%	HOLD
26	ENBENBRIDGE INC	328,162	$18M	1.1%	HOLD
27	MSFTMICROSOFT CORP	47,128	$17M	1.1%	ADD 65%
28	MFCMANULIFE FINL CORP	471,351	$16M	1.0%	HOLD
29	TRPTC ENERGY CORP	252,721	$16M	1.0%	HOLD
30	NEMNEWMONT CORP	142,570	$15M	0.9%	HOLD
31	BNSBANK NOVA SCOTIA B C	215,525	$15M	0.9%	TRIM −2%
32	AEMAGNICO EAGLE MINES LTD	69,101	$14M	0.9%	HOLD
33	CNICANADIAN NATL RY CO	135,114	$14M	0.9%	HOLD
34	GDXVANECK ETF TRUST GOLD MINERS ETF	149,831	$14M	0.8%	HOLD
35	RCIROGERS COMMUNICATIONS INC	333,058	$13M	0.8%	HOLD
36	SUNCSUNOCOCORP LLC	203,513	$13M	0.8%	HOLD
37	PMPHILIP MORRIS INTL INC	73,201	$12M	0.7%	TRIM −4%
38	BRK.BBERKSHIRE HATHAWAY INC DEL	24,521	$12M	0.7%	TRIM −7%
39	CNQCANADIAN NAT RES LTD	230,194	$11M	0.7%	HOLD
40	BBUCBROOKFIELD BUSINESS CORP CL A SUB VTG SH	353,005	$11M	0.7%	NEW
41	PEPPEPSICO INC	71,531	$11M	0.7%	HOLD
42	VTEBVANGUARD MUN BD FDS	220,196	$11M	0.7%	NEW
43	FTLSFIRST TR EXCH TRADED FD III	147,400	$10M	0.6%	ADD 9%
44	ORCLORACLE CORP	69,848	$10M	0.6%	HOLD
45	FDXFEDEX CORP	28,707	$10M	0.6%	HOLD
46	OTEXOPEN TEXT CORP	446,889	$10M	0.6%	ADD 74%
47	GOOGLALPHABET INC	33,041	$10M	0.6%	TRIM −3%
48	PFEPFIZER INC	329,107	$9M	0.6%	HOLD
49	IBMINTERNATIONAL BUSINESS MACHS	37,304	$9M	0.6%	HOLD
50	CVSCVS HEALTH CORP	122,740	$9M	0.5%	HOLD
51	GIBCGI INC	119,950	$9M	0.5%	ADD 7%
52	COSTCOSTCO WHSL CORP NEW	8,030	$8M	0.5%	HOLD
53	AMZNAMAZON COM INC	37,124	$8M	0.5%	ADD 14%
54	TSLATESLA INC	20,742	$8M	0.5%	ADD 20%
55	DFSUDIMENSIONAL ETF TRUST	182,814	$8M	0.5%	TRIM −4%
56	VVISA INC	22,082	$7M	0.4%	TRIM −2%
57	CMCSACOMCAST CORP NEW	177,905	$5M	0.3%	ADD 3%
58	VGTVANGUARD WORLD FD	6,937	$5M	0.3%	ADD 12%
59	VOOVANGUARD INDEX FDS	8,010	$5M	0.3%	ADD 89%
60	VTRSVIATRIS INC	328,681	$4M	0.3%	HOLD
61	KVUEKENVUE INC	257,127	$4M	0.3%	TRIM −15%
62	SPYSTATE STR SPDR S&P 500 ETF T	6,696	$4M	0.3%	ADD 28%
63	FIXCOMFORT SYS USA INC	3,145	$4M	0.3%	TRIM −28%
64	MCDMCDONALDS CORP	12,439	$4M	0.2%	HOLD
65	DISDISNEY WALT CO	38,337	$4M	0.2%	TRIM −6%
66	QQQINVESCO QQQ TR	6,095	$4M	0.2%	ADD 14%
67	GLWCORNING INC	22,877	$3M	0.2%	TRIM −13%
68	DFSIDIMENSIONAL ETF TRUST	73,252	$3M	0.2%	TRIM −2%
69	VTVVANGUARD INDEX FDS	13,622	$3M	0.2%	ADD 576%
70	CMCANADIAN IMPERIAL BANK OF CO	28,249	$3M	0.2%	TRIM −4%
71	AGIALAMOS GOLD INC NEW	60,000	$3M	0.2%	HOLD
72	BGSIBOYD GROUP SERVICES INC	20,095	$3M	0.2%	ADD 8%
73	METAMETA PLATFORMS INC	4,309	$2M	0.2%	ADD 34%
74	TACTRANSALTA CORP	182,660	$2M	0.1%	ADD 8%
75	SUSBISHARES TR	90,726	$2M	0.1%	ADD 13%
76	TUTELUS CORPORATION	174,463	$2M	0.1%	HOLD
77	NKENIKE INC	41,310	$2M	0.1%	ADD 18%
78	EAORISHARES TR	61,570	$2M	0.1%	HOLD
79	NFLXNETFLIX INC	22,196	$2M	0.1%	ADD 18%
80	VUGVANGUARD INDEX FDS	4,866	$2M	0.1%	NEW
81	SLFSUN LIFE FINANCIAL INC.	33,731	$2M	0.1%	HOLD
82	BNBROOKFIELD CORP	52,106	$2M	0.1%	HOLD
83	XLKSELECT SECTOR SPDR TR	15,022	$2M	0.1%	ADD 29%
84	PWRDTCW ETF TRUST	20,209	$2M	0.1%	NEW
85	CCITIGROUP INC	16,739	$2M	0.1%	HOLD
86	BACBANK AMERICA CORP	38,069	$2M	0.1%	TRIM −2%
87	VZVERIZON COMMUNICATIONS INC	36,371	$2M	0.1%	TRIM −3%
88	ITAIShares U.S. Aerospace & Defense ETF	8,270	$2M	0.1%	TRIM −10%
89	XOMEXXON MOBIL CORP	10,350	$2M	0.1%	TRIM −10%
90	ABBVABBVIE INC	7,958	$2M	0.1%	ADD 16%
91	ELLAUDER ESTEE COS INC	22,930	$2M	0.1%	ADD 24%
92	VBRVANGUARD INDEX FDS	7,495	$2M	0.1%	NEW
93	BCEBCE INC	63,736	$2M	0.1%	ADD 7%
94	GEVGE VERNOVA INC	1,825	$2M	0.1%	TRIM −7%
95	CRBNISHARES TR	6,868	$2M	0.1%	HOLD
96	YETIYETI HLDGS INC	41,495	$2M	0.1%	HOLD
97	CLCOLGATE PALMOLIVE CO	17,669	$2M	0.1%	HOLD
98	EQXEQUINOX GOLD CORP	100,925	$1M	0.1%	TRIM −37%
99	BRK.ABERKSHIRE HATHAWAY INC DEL	2	$1M	0.1%	HOLD
100	CAECAE INC	55,261	$1M	0.1%	ADD 138%
101	GILDGILEAD SCIENCES INC	10,048	$1M	0.1%	TRIM −3%
102	GLDSPDR GOLD TR	3,197	$1M	0.1%	HOLD
103	EAOAISHARES TR	33,540	$1M	0.1%	HOLD
104	UNHUNITEDHEALTH GROUP INC	4,991	$1M	0.1%	ADD 4%
105	UBERUBER TECHNOLOGIES INC	18,158	$1M	0.1%	ADD 53%
106	IWFISHARES TR	3,046	$1M	0.1%	ADD 72%
107	EAGGISHARES TR	27,138	$1M	0.1%	ADD 14%
108	BIPBROOKFIELD INFRAST PARTNERS	34,801	$1M	0.1%	HOLD
109	ABFLABACUS FCF ETF TR	17,123	$1M	0.1%	NEW
110	GSGOLDMAN SACHS GROUP INC	1,414	$1M	0.1%	ADD 18%
111	VXUSVANGUARD STAR FDS	15,168	$1M	0.1%	NEW
112	MGNIMAGNITE INC	94,950	$1M	0.1%	ADD 39%
113	IJHISHARES TR	16,610	$1M	0.1%	ADD 314%
114	PBAPEMBINA PIPELINE CORP	24,516	$1M	0.1%	ADD 3%
115	EWCISHARES INC	19,404	$1M	0.1%	HOLD
116	HDHOME DEPOT INC	3,214	$1M	0.1%	TRIM −23%
117	PPTAPERPETUA RESOURCES CORP	37,500	$1M	0.1%	ADD 150%
118	XLFSELECT SECTOR SPDR TR	20,887	$1M	0.1%	NEW
119	QUALISHARES TR	5,243	$1M	0.1%	ADD 186%
120	IVVISHARES TR	1,539	$1M	0.1%	TRIM −28%
121	BAIBLACKROCK ETF TRUST	29,739	$979,894	0.1%	NEW
122	MAMASTERCARD INCORPORATED	1,909	$953,851	0.1%	HOLD
123	PGPROCTER AND GAMBLE CO	6,598	$953,015	0.1%	HOLD
124	TJXTJX COS INC NEW	5,765	$920,671	0.1%	HOLD
125	IGVISHARES TR	11,265	$901,763	0.1%	NEW
126	ICLNISHARES TR	49,181	$899,513	0.1%	HOLD
127	CVECENOVUS ENERGY INC	33,842	$896,367	0.1%	TRIM −86%
128	LUVSOUTHWEST AIRLS CO	23,631	$892,070	0.1%	ADD 66%
129	BEPBROOKFIELD RENEWABLE PARTNER	27,071	$881,327	0.1%	ADD 6%
130	IYWISHARES TR	4,849	$879,736	0.1%	NEW
131	LLYELI LILLY & CO	941	$865,295	0.1%	ADD 43%
132	DFSEDIMENSIONAL ETF TRUST	19,976	$846,394	0.1%	HOLD
133	PJULINNOVATOR ETFS TRUST	18,408	$846,170	0.1%	TRIM −5%
134	IAPRINNOVATOR ETFS TRUST	26,550	$840,839	0.1%	HOLD
135	CPCANADIAN PACIFIC KANSAS CITY	10,572	$830,273	0.1%	ADD 8%
136	CDNSCADENCE DESIGN SYSTEM INC	2,965	$823,885	0.1%	TRIM −47%
137	SKESKEENA RES LTD NEW	27,000	$802,504	0.0%	ADD 80%
138	EFAISHARES TR	8,190	$795,515	0.0%	ADD 244%
139	MRKMERCK & CO INC	6,290	$756,624	0.0%	HOLD
140	DGROISHARES CORE DIVIDEND GROWTH ETF	10,518	$738,172	0.0%	HOLD
141	CVXCHEVRON CORP NEW	3,550	$734,495	0.0%	HOLD
142	RSPINVESCO EXCHANGE TRADED FD T	3,786	$726,534	0.0%	NEW
143	MUMICRON TECHNOLOGY INC	2,139	$722,884	0.0%	ADD 13%
144	SPLVINVESCO EXCH TRADED FD TR II	9,880	$722,650	0.0%	NEW
145	NTRNUTRIEN LTD	9,353	$704,612	0.0%	ADD 4%
146	FIVNFIVE9 INC	45,990	$697,668	0.0%	ADD 58%
147	VNQVANGUARD INDEX FDS	7,762	$688,489	0.0%	ADD 5%
148	VXFVANGUARD INDEX FDS	3,304	$679,963	0.0%	NEW
149	WPMWHEATON PRECIOUS METALS CORP	5,118	$670,455	0.0%	HOLD
150	AVUVAMERICAN CENTY ETF TR	6,030	$666,134	0.0%	ADD 5%
151	MCKMCKESSON CORP	763	$660,882	0.0%	ADD 24%
152	BGRNISHARES TR	13,838	$656,905	0.0%	ADD 3%
153	BMYBRISTOL-MYERS SQUIBB CO	10,763	$652,776	0.0%	TRIM −22%
154	REMXVANECK ETF TRUST	7,375	$648,779	0.0%	HOLD
155	ODVOSISKO DEVELOPMENT CORP	198,000	$640,634	0.0%	ADD 196%
156	SCHDSCHWAB STRATEGIC TR	20,652	$633,601	0.0%	NEW
157	AVGOBROADCOM INC	2,037	$630,463	0.0%	NEW
158	SOBOSOUTH BOW CORP	18,907	$627,747	0.0%	HOLD
159	ARISARIS MNG CORP	33,250	$616,147	0.0%	TRIM −27%
160	WMWASTE MGMT INC DEL	2,675	$614,599	0.0%	ADD 6%
161	DFAUDIMENSIONAL ETF TRUST	13,487	$608,536	0.0%	HOLD
162	IRMIRON MTN INC DEL	5,905	$608,239	0.0%	TRIM −22%
163	WFCWELLS FARGO CO NEW	7,445	$592,696	0.0%	ADD 59%
164	DBCINVESCO DB COMMDY INDX TRCK	20,450	$592,028	0.0%	HOLD
165	FTSFORTIS INC	10,615	$591,025	0.0%	HOLD
166	IWMISHARES TR	2,370	$587,760	0.0%	HOLD
167	PUBMPUBMATIC INC	71,500	$584,870	0.0%	ADD 59%
168	TFIITFI INTL INC	5,290	$574,655	0.0%	HOLD
169	BBARRICK MNG CORP	13,915	$567,521	0.0%	TRIM −29%
170	PAASPAN AMERN SILVER CORP	10,379	$566,642	0.0%	TRIM −57%
171	JIREJ P MORGAN EXCHANGE TRADED F	7,128	$539,847	0.0%	NEW
172	CMICUMMINS INC	1,000	$538,020	0.0%	TRIM −59%
173	BOXXEA SERIES TRUST	4,615	$536,678	0.0%	ADD 14%
174	PJUNINNOVATOR ETFS TRUST	12,770	$534,127	0.0%	HOLD
175	BTGB2GOLD CORP	112,250	$508,946	0.0%	TRIM −6%
176	TXTTEXTRON INC	5,575	$488,259	0.0%	HOLD
177	IEFAISHARES TR	5,383	$487,292	0.0%	ADD 21%
178	SGOLETFS GOLD TR	10,892	$486,001	0.0%	TRIM −7%
179	IWBISHARES TR	1,350	$481,356	0.0%	ADD 38%
180	AAUCALLIED GOLD CORP	15,453	$478,035	0.0%	HOLD
181	SLSRSOLARIS RES INC	54,500	$469,578	0.0%	HOLD
182	QXOQXO INC	23,580	$457,924	0.0%	ADD 72%
183	MSMORGAN STANLEY	2,765	$455,026	0.0%	ADD 10%
184	MOSMOSAIC CO NEW	17,325	$441,788	0.0%	NEW
185	SGOVISHARES TR	4,323	$435,169	0.0%	NEW
186	AVUSAMERICAN CENTY ETF TR	3,829	$425,708	0.0%	NEW
187	AIOTPOWERFLEET INC	135,800	$418,264	0.0%	ADD 124%
188	AIRRFirst Trust RBA Amern Indl Renaissance ETF	3,770	$417,641	0.0%	NEW
189	ABTABBOTT LABS	4,002	$410,885	0.0%	HOLD
190	TECKTECK RESOURCES LTD	7,900	$408,630	0.0%	HOLD
191	KMBKIMBERLY-CLARK CORP	4,212	$406,332	0.0%	NEW
192	CRWVCOREWEAVE INC	5,200	$402,844	0.0%	NEW
193	SBUXSTARBUCKS CORP	4,475	$400,915	0.0%	TRIM −15%
194	DDFJINNOVATOR ETFS TRUST	21,200	$397,712	0.0%	NEW
195	SHLDGLOBAL X FDS	5,547	$392,917	0.0%	NEW
196	BABOEING CO	1,970	$392,079	0.0%	HOLD
197	XOPSPDR SERIES TRUST	2,150	$390,677	0.0%	HOLD
198	ETSYETSY INC	7,735	$386,595	0.0%	ADD 66%
199	IBITISHARES BITCOIN TRUST ETF	10,023	$385,084	0.0%	ADD 52%
200	GDXJVANECK ETF TRUST	3,125	$375,125	0.0%	TRIM −12%

showing the top 200 by weight

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

VTIVANGUARD INDEX FDS

529K

533K

549K

570K

582K

612K

$196M

USFRWISDOMTREE TR

1.4M

1.5M

$74M

VEUVANGUARD INTL EQUITY INDEX F

643K

657K

723K

780K

815K

905K

$68M

VGITVANGUARD SCOTTSDALE FDS

875K

907K

924K

991K

1.1M

$68M

DFAXDIMENSIONAL ETF TRUST

1.2M

1.3M

1.7M

1.8M

1.9M

$66M

AAPLAPPLE INC

35K

36K

237K

278K

274K

235K

$60M

LRGFISHARES TR

675K

681K

698K

723K

741K

732K

$48M

DFACDIMENSIONAL ETF TRUST

760K

843K

880K

934K

970K

1.0M

$40M

MUBISHARES TR

314K

331K

321K

349K

356K

359K

$38M

DBMFLITMAN GREGORY FDS TR

1.1M

1.2M

$37M

RYROYAL BK CDA

—

117K

203K

199K

198K

197K

$32M

PYLDPIMCO MULTISECTOR BOND ACTIVE EXCHANGE-TRADED FUND

853K

873K

915K

997K

1.1M

1.2M

$31M

GOOGALPHABET INC

15K

13K

109K

108K

103K

101K

$29M

TDTORONTO DOMINION BK ONT

—

307K

306K

299K

297K

293K

$27M

IAUISHARES GOLD TR

408K

310K

305K

300K

298K

303K

$27M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆Cardinal Point Capital Management ULC

Implied return what this book implies · modeled, not advice methodology →

Exposures · what this manager owns, by sector & size (2026-Q1)

By sector

By market cap

By region

By industry group GICS — finer than sector

Top holdings

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Contribution holdings-based, any period

Holdings· 286 positions (2026-Q1) · largest first · Δ vs 2025-Q4

Position trends· top 15 holdings · shares held over 6 quarters

Related· where to look next

Cardinal Point Capital Management ULC