A Separately Managed Account (SMA) is the elite of wealth management services. It is the approach used by many pension funds, other institutions, and high net worth individuals to achieve desired results. We are proud of our track record in using SMAs to help our clients succeed.

In an SMA, each client’s assets are held completely separate from the assets of other clients. In contrast, a pooled fund strategy depends upon investors’ assets being used together to acquire an interest in a basket of securities. If a trade is made for one client, it is made for all clients. That is the nature of a pool.

The primary benefits of SMA versus pooled funds are:

• Direct relationship with the manager
  At Cardinal Capital Management, we pride ourselves on the access our clients have to all the members of our team. As a Cardinal client, you are able to communicate directly with the Portfolio Managers who are making important investment decisions. It is your money, after all, and you deserve the peace of mind that such a direct relationship can provide.
  
• Direct ownership of securities
  When you own securities directly, you have transparency, protection, and peace of mind. Customization of holdings and timing of trades can be managed to reflect your individual needs. All private client assets are held by a third-party custodian with Cardinal acting as the discretionary manager through a trading authorization provided by our clients.