# Cardinal Point Wealth Management LLC

> Institutional holdings reported to the SEC as of Q3 2021 on Form 13F. CIK 1869778. Source: https://holderbook.com/funds/1869778-cardinal-point-wealth-management-llc/

- Reported value: $212.7M
- Positions: 42
- Weight of the ten largest: 88.1%
- Filed: 2021-11-05

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $60.8M | 273,896 | 28.6% | 4 |
| PIMCO ETF TR | [BOND](https://holderbook.com/stocks/BOND/) | $38.3M | 346,378 | 18.0% | 4 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $14.3M | 194,567 | 6.7% | 4 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $13.8M | 226,702 | 6.5% | 4 |
| SSGA ACTIVE ETF TR | [TOTL](https://holderbook.com/stocks/TOTL/) | $10.6M | 219,581 | 5.0% | 4 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $10.6M | 316,899 | 5.0% | 2 |
| ARK ETF TR | [ARKK](https://holderbook.com/stocks/ARKK/) | $10.5M | 94,585 | 4.9% | 4 |
| WISDOMTREE TR | [IHDG](https://holderbook.com/stocks/IHDG/) | $10.2M | 237,089 | 4.8% | 4 |
| EXCHANGE TRADED CONCEPTS TRU | [HTEC](https://holderbook.com/stocks/HTEC/) | $9.8M | 215,512 | 4.6% | 3 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $8.5M | 103,276 | 4.0% | 4 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $4.0M | 5,175 | 1.9% | 4 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $2.6M | 9,551 | 1.2% | 4 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.5M | 17,753 | 1.2% | 4 |
| FIRSTSERVICE CORP NEW | [FSV](https://holderbook.com/stocks/FSV/) | $2.5M | 13,636 | 1.2% | 4 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $1.3M | 50,297 | 0.6% | 2 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.0M | 10,069 | 0.5% | 4 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $958.0K | 2,422 | 0.5% | 4 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $941.0K | 17,691 | 0.4% | 4 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $849.0K | 15,950 | 0.4% | 4 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $834.0K | 5,076 | 0.4% | 4 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $823.0K | 2 | 0.4% | 4 |
| FIRST TR EXCH TRADED FD III | [FTLS](https://holderbook.com/stocks/FTLS/) | $604.0K | 12,500 | 0.3% | 4 |
| ISHARES TR | [AOR](https://holderbook.com/stocks/AOR/) | $525.0K | 9,457 | 0.2% | 4 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $475.0K | 7,350 | 0.2% | 4 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $440.0K | 6,825 | 0.2% | 4 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $439.0K | 5,800 | 0.2% | 4 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $409.0K | 8,171 | 0.2% | 4 |
| WISDOMTREE TR | [WTMF](https://holderbook.com/stocks/WTMF/) | $406.0K | 9,900 | 0.2% | 1 |
| ISHARES TR | [REET](https://holderbook.com/stocks/REET/) | $396.0K | 14,450 | 0.2% | 4 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $368.0K | 7,290 | 0.2% | 3 |
| COLGATE PALMOLIVE CO | [CL](https://holderbook.com/stocks/CL/) | $344.0K | 4,554 | 0.2% | 3 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $324.0K | 3,180 | 0.2% | 4 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $271.0K | 2,696 | 0.1% | 3 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $247.0K | 4,925 | 0.1% | 1 |
| ARK ETF TR | [PRNT](https://holderbook.com/stocks/PRNT/) | $232.0K | 6,500 | 0.1% | 3 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $226.0K | 4,100 | 0.1% | 1 |
| ISHARES TR | [IEF](https://holderbook.com/stocks/IEF/) | $223.0K | 1,935 | 0.1% | 4 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $218.0K | 2,725 | 0.1% | 1 |
| ISHARES TR | [ACWX](https://holderbook.com/stocks/ACWX/) | $207.0K | 3,732 | 0.1% | 3 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $204.0K | 1,600 | 0.1% | 3 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $202.0K | 813 | 0.1% | 1 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $202.0K | 4,347 | 0.1% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q3 2021 | -2.0% | +0.3% | -2.3% | 100% |
| Q2 2021 | +5.4% | +8.0% | -2.6% | 100% |
| Q1 2021 | +0.8% | +6.0% | -5.2% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2021 | $212.7M | 42 |
| Q2 2021 | $221.4M | 41 |
| Q1 2021 | $198.5M | 38 |
| Q4 2020 | $196.8M | 32 |