Cardinal Capital Management, LLC

Cardinal Capital Management serves individual and high-net-worth clients as well as retirement plans and other institutions, offering financial planning, discretionary portfolio management, and pension consulting. The firm reports about $94.5 million in assets under management across roughly 140 client relationships and provides ongoing monitoring and rebalancing for client accounts.

Investment advice is primarily implemented through mutual funds and exchange-traded funds, using tactical asset management and a mix of long- and short-term strategies; the firm may employ fundamental and technical analysis, option-writing, and firm-developed model portfolios when appropriate. Portfolio construction is tailored to each client's suitability profile, and the firm typically manages accounts on a discretionary basis with the ability to combine related family accounts for fee breakpoints.

A distinctive feature of the firm is its affiliation with an accounting practice under common ownership, an arrangement that is uncommon among similar advisers and may lead to coordinated or recommended accounting services while the firms maintain separate compensation streams. The advisory team is also licensed to transact insurance business (with such activities disclosed as separate from advisory fees), and the firm provides ERISA-focused pension consulting and participant education as a non-discretionary fiduciary.