Cardinal Point Wealth Management (“Cardinal Point”) was formed in November 2002. Cardinal Point was first registered as an investment adviser with the United States Securities and Exchange Commission in May 2006. Cardinal Point is also registered as a Portfolio Manager with each of the following Canadian Securities Commissions: British Columbia Securities Commission, Alberta Securities Commission, Manitoba Securities Commission, Nova Scotia Securities Commission, Ontario Securities Commission, New Brunswick Securities Commission, Saskatchewan Financial Services Commission and the Quebec Financial Markets Authority. Cardinal Point is managed pursuant to a management agreement between 2450619 Alberta ULC and Cardinal Point. The Cardinal Point Principals serve as officers of Cardinal Point and are responsible for the management, supervision and oversight of Cardinal Point. Focus Financial Partners Cardinal Point is part of the Focus Financial Partners, LLC (“Focus LLC”) partnership. Specifically, Cardinal Point is a wholly-owned indirect subsidiary of Focus LLC. Ferdinand FFP Acquisition, LLC is the sole managing member of Focus LLC. Ultimate governance of Focus LLC is conducted through the board of directors at Ferdinand FFP Ultimate Holdings, LP. Focus LLC is majority-owned, indirectly and collectively, by investment vehicles affiliated with Clayton, Dubilier & Rice, LLC (“CD&R”). Investment vehicles affiliated with Stone Point Capital LLC (“Stone Point”) are indirect owners of Focus LLC. Because Cardinal Point is an indirect, wholly-owned subsidiary of Focus LLC, CD&R and Stone Point investment vehicles are indirect owners of Cardinal Point. Focus LLC also owns other registered investment advisers, broker-dealers, pension consultants, insurance firms, business managers and other firms (the “Focus Partners”), most of which provide wealth management, benefit consulting and investment consulting services to individuals, families, employers, and institutions. Some Focus Partners also manage or advise limited partnerships, private funds, or investment companies as disclosed on their respective Form ADVs. The Firm’s Services As discussed below in this Disclosure Brochure, Cardinal Point offers comprehensive portfolio management services, non-discretionary investment advice and financial planning and consulting services. Portfolio Management Services: Our Portfolio Management service encompasses asset management as well as providing general financial planning and consulting to our clients. It is designed to assist clients in meeting their financial goals through the use of financial investments. We conduct at least one, but sometimes more than one meeting (in person if possible, otherwise via telephone conference) with clients in order to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what we learn, we propose an investment approach to the client. We may propose an investment portfolio, {00088869;2} ADV Part 2A – Firm Brochure Page 5 consisting of exchange traded funds, mutual funds, individual stocks or bonds, or other securities. Upon the client’s agreement to the proposed investment plan, we work with the client to establish or transfer investment accounts so that we can manage the client’s portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis. We may periodically rebalance or adjust client accounts under our management. If the client experiences any significant changes to his/her financial or personal circumstances, the client must notify us so that we can consider such information in managing the client’s investments. Financial planning and consultation services are included in our Portfolio Management service. Generally, our Canada, U.S. and cross-border financial planning and consulting services will involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass one or more of the following areas: Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Tax Compliance, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, Business and Personal Financial Planning. Business Management As part of our Business Management offering, our firm provides a multitude of services to family offices and high net worth individuals with its core goal to alleviate the challenges associated with the logistics of managing complex financial situations for busy individuals. By assisting clients with these core aspects of their business or personal situation, we aim to simplify and streamline time consuming aspects of their lives giving them more time to focus on the growth of their business or financial situation. As part of this service our firm may provide all or some of the following: Bill Payment to include utilities, auto leases, vendors, etc. Create and maintain Financial Reports Create and maintain a Personal Financial Statement Accounts Receivable and Accounts Payable Pay local property taxes Investment Planning Maintain books and records for rental real estate Foreign Exchange Advice Issue W-2 and/or 1099s to office and support staff Liaison to their U.S. CPA Canadian Tax Compliance Assist with an Audit Income Tax Planning Estate, Financial and Retirement Planning Insurance Analysis and Planning Business Planning Handle auto registrations Mortgage/Debt Analysis Hire cleaning and maintenance staff Pay State, Provincial and Federal quarterly taxes Maintain Passport and Frequent Traveler Programs Pay local and state/provincial property, sales, and other taxes Maintain credit card information Process payroll either in-house or with a payroll provider {00088869;2} ADV Part 2A – Firm Brochure Page 6 Address issues such as utility interruptions, plumbing issues, electrical problems, etc. Additional services as requested by client Financial Planning & Consulting: We provide a variety of financial planning and consulting services to individuals,

families and other clients regarding the management of their financial resources based upon an analysis of the client’s current situation, goals, and objectives. Generally, our Canada, U.S. and cross- border financial planning services will involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass one or more of the following areas: Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, Business and Personal Financial Planning. Our written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. It should also be noted that we refer clients to an accountant, attorney or other specialist, as necessary for non-advisory related services. For written financial planning engagements, we provide our clients with a written summary of their financial situation, observations, and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans or consultations are typically completed within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. Implementation of the recommendations will be at the discretion of the client. Tax Preparation: Our tax preparation services include preparing U.S and Canada personal, corporate and trust returns. Private Wealth Services: Private Wealth Services provide clients with bundled comprehensive portfolio management, financial planning, tax preparation and consulting services. These services provide assistance in planning for and executing financial strategies, which may be customized to fit each client’s individual needs to meet his or her goals. This service is no longer offered to new clients. Some legacy clients may still participate in this program. UPTIQ Treasury & Credit Solutions, LLC We offer clients the option of obtaining certain financial solutions from unaffiliated third-party financial institutions through UPTIQ Treasury & Credit Solutions, LLC (together with UPTIQ, Inc. and its affiliates, “UPTIQ”). Please see Items 5 and 10 for a fuller discussion of these services and other important information. Affiliate Private Investment Vehicles {00088869;2} ADV Part 2A – Firm Brochure Page 7 We have business arrangements with a subsidiary or subsidiaries of Origin Investments Group, LLC (“Origin”) as well as SCS Capital Management LLC (“SCS”), who are each an indirect, wholly-owned subsidiary of Focus LLC, under which certain clients of Cardinal Point have the option of investing in certain private investment vehicles managed by Origin or SCS. Cardinal Point is an affiliate of Origin and SCS by virtue of being under common control with both entities. Please see Items 5, 10, and 11 of this Brochure for further details. Focus Risk Solutions, LLC We help our clients obtain certain insurance solutions from unaffiliated, third-party insurance brokers by introducing clients to our affiliate, Focus Risk Solutions, LLC (“FRS”), a wholly owned subsidiary of our parent company, Focus Financial Partners, LLC. Please see Items 5 and 10 for a fuller discussion of this service and other important information. Tailoring of Advisory Services We offer individualized investment advice to clients utilizing our firm’s advisory services. Additionally, we offer general investment advice to Financial Planning clients. We usually do not allow clients to impose restrictions on investing in certain securities or types of securities due to the level of difficulty this would entail in managing their account. In the rare instance that we would allow restrictions, it would be limited to our firm’s asset management services. We do not manage assets through our other services. Miscellaneous Information About the Firm’s Services In connection with the provision of Cardinal Point’s services, (1) Cardinal Point tailors its advisory services to the client’s individual needs, (2) clients may (but typically do not) impose reasonable restrictions on Cardinal Point’s services, which may include restrictions on investing in certain securities or types of securities, (3) Cardinal Point is authorized to rely on any and all information that is provided to Cardinal Point by the client or any of the client’s other professionals (such as the client’s attorney or accountant), and shall not be required to independently verify any such information, and (4) each client is responsible to promptly notify Cardinal Point if there is ever any change in their financial situation or investment objectives so that Cardinal Point is positioned to review, evaluate and possibly revise its previous recommendations and/or services. Fiduciary Status As a fiduciary, we have duties of care and of loyalty to you and are subject to obligations imposed on us by the federal and state securities laws. As a result, you have certain rights that you cannot waive or limit by contract. Nothing in our agreement with you should be interpreted as a limitation of our obligations under the federal and state securities laws or as a waiver of any non-waivable rights you possess. Participation in Wrap Fee Programs Our firm does not offer or sponsor a wrap fee program. {00088869;2} ADV Part 2A – Firm Brochure Page 8 Regulatory Assets Under Management Our firm manages $1,557,678,477 on a discretionary basis and $24,146,919 on a non-discretionary basis. For a total of asset under management of $1,581,825,396 as of December 31, 2023.