Frequently Asked Questions

Q: How do you get paid?

A: We charge a quarterly fee based on the amount of money we manage for our clients. That’s it. We don’t put our clients in investments that earn us a commission. Any changes we make to your portfolio are with your best interest in mind, not ours.

Q: How is a fiduciary different than other financial advisors?

A: A fiduciary must always act with your best interest in mind. Other financial advisors may choose an investment for you that pays them a commission. A fiduciary removes all potential conflicts of interest by not accepting compensation from third-party product providers like mutual fund companies or insurance companies. Our investment decisions are strictly based on your goals, and what is best for you.

Q: How often will we meet?

A: We contact our clients every quarter to stay on top of their financial planning needs. Whether it’s an in-person meeting at our office, a phone call, or a zoom conference, we go above and beyond to provide the service you deserve.

Q: What are my all in costs?

A: Your only fee to us is a percentage of the assets we manage. Some investments, like Exchange Traded Funds (ETFs) or Mutual Funds have internal expenses as well. Those expenses vary from fund to fund. Our investment philosophy is completely geared toward what’s best for you, and a big piece of that is managing expenses. We strive to find the right mix of performance and cost efficiency as we allocate your investment dollars.

Q: What other ways does your firm help?

A: As a client of Cardinal Capital, we are committed to helping you in any aspect of your personal finances. From creating and maintaining a budget, to saving for college, to deciding when is the right time to collect social security, we are more than just an investment firm. We are truly here to serve our clients any way we can.