This website (“Website”) is a publication of Cardinal Capital Management, Inc., (“Cardinal”) which is an SEC registered investment adviser with a primary business location in Raleigh, North Carolina. Cardinal may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Cardinal has attained a certain level of skill, training, or ability. The Website is limited to the dissemination of general information pertaining to Cardinal’s advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the Website should not be construed by any client or prospective client as Cardinal’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Any subsequent, direct communication by Cardinal with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration as applicable. For information pertaining to the registration status of Cardinal, please visit www.adviserinfo.sec.gov or contact the SEC or the state securities regulators for those states in which Cardinal maintains a notice filing. Each user of this Website (“User”) is encouraged to obtain a copy of Cardinal’s current written disclosure statement discussing Cardinal’s business operations, services, fees, and applicable conflicts of interest, which is available from Cardinal upon request or by searching for Cardinal at the following link: www.adviserinfo.sec.gov.
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Hyperlinks on this Website are provided as a convenience. Cardinal does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Website or incorporated herein, and takes no responsibility for the same. All such information is provided solely for convenience, educational, and informational purposes only, and all Users are guided accordingly.
To the extent that any User accesses any economic calculator or similar interactive device contained within or linked to the Website, the User acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Cardinal, or from any other investment professional.
Past performance is not indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Cardinal), will be profitable or equal any historical performance level(s). All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, or rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of an investment-management fee, which would decrease historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Projections, forecasts and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.
Any index performance data appearing or referenced on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index for comparison purposes only. Cardinal makes no warranty, express or implied, for any decision taken by any party in reliance upon such indices. Investors cannot invest directly in an index.
Certain portions of the Website (e.g. newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to Cardinal’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). While information presented is believed to be factual and up-to-date, Cardinal does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Cardinal or from any other investment professional. Cardinal is neither a law firm nor accounting firm. Any tax and estate planning information provided is general in nature, which is provided for informational purposes only, and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation. Users should not use any Website content as the sole basis for any investment decisions. Rather, a professional advisor should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content.
Photos and images on this Website are not past or present clients of Cardinal. These photos should not be construed as an endorsement of Cardinal or its representatives by any client.
With respect to references on this Website to “The Financial Times 300 Top Registered Investment Advisers,” which is provided to the best of Cardinal’s knowledge: “FT” and “Financial Times” are trademarks of The Financial Times Ltd. (“FT”). The Financial Times “300 Top Registered Investment Advisers” is an independent listing (“The FT 300”) produced annually. FT is not affiliated with Cardinal. The FT 300 is presented as “an elite group,” not a competitive ranking of one to 300. Cardinal applied for consideration, and the result was independently granted. The results are not based upon information or opinions of participating Registered Investment Advisers’ (“RIA”) clients. Therefore, inclusion on The FT 300 is not representative of participating RIAs’ clients’ experiences. Applicants are graded on six factors: assets under management (“AUM”); AUM growth rate; years in existence; advanced industry credentials of the firm’s advisers; online accessibility; and compliance records. By considering the “SEC compliance record,” eligibility to appear on The FT 300, FT seeks to ensure that a participating RIA has an established and significant history and record free from regulatory sanctions. The FT caps the number of companies from any one state. The cap is roughly based on the distribution of millionaires across the United States. The FT 300 is based on data gathered from RIAs, regulatory disclosures, FT’s research, and/or research conducted on FT’s behalf by “Ignites Distribution Research,” a subsidiary of FT that provides business intelligence on the asset management industry. As of 2018: the FT 300 represents RIAs with an “average” practice experience of over 22 years and managing $4 billion in assets; and the FT 300 Top RIAs hail from 38 states and Washington, D.C. FT indicates that the methodology used to evaluate inclusion on The FT 300 is quantifiable and objective, and that the participating RIAs had no subjective input in the analysis. To the best of Cardinal’s knowledge: FT does not include RIAs on The FT 300 if the ratings are not statistically valid with respect to any RIA; and there are no facts that would call into question the validity of the inclusion on The FT 300 or the appropriateness of Cardinal’s advertising the same. Neither the participating RIAs nor their employees pay a fee to FT in exchange for inclusion in The FT 300. However, Cardinal may pay a fee to FT, an affiliate, or an unaffiliated third party in exchange for plaques or article reprints commemorating the designation. While Cardinal would pay this fee after receiving the designation and not as a condition precedent to receiving it, the fact that Cardinal pays any fee with respect to its receipt of the designation should be considered if such designation is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage Cardinal for investment advisory services. Inclusion on The FT 300 is not indicative of Cardinal’s future performance, or any future performance pertaining to its clients’ investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if Cardinal is engaged, or continues to be engaged to provide investment advisory services; and should not be construed as a current or past endorsement of Cardinal by any of its clients. Other information about The FT 300 list is available here: