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We are a 100% employee-owned, independent firm focused solely on institutional investment consulting.

Our Mission

Our mission is to serve institutional investors with unique liability streams by developing, implementing, and sustaining customized investment solutions that best enable them to fulfill their investment and operating goals in an independent and conflict-free manner.

Cardinal Investment Advisors

What Makes Us Unique

Cardinal was founded in 2001 with the distinct mission of serving the unique needs of insurance companies. While this experience shaped our processes and philosophies, we now leverage our deep institutional knowledge and refined analytical tools to not only provide investment consulting services for our insurance clients but other institutional clients as well. This includes pensions and defined contribution sponsors, endowments and foundations, and hospital and health care systems.



We are a 100% employee-owned, independent firm focused solely on institutional investment consulting. After 20 years, we are committed to maintaining our independence.



Our structure and services ensure independence and a conflict-free approach to investment consulting. We are 100% employee owned. We only receive hard-dollar fees from our retainer and project clients.

Institutional Clients

Institutional Clients

We develop investment strategies for our institutional clients. A common theme across our clients is a unique underlying liability that requires support. As such, our approach is highly customizable.



Cardinal’s goal is to be a partner or an “extension of staff” such that our clients are comfortable calling us with any investment-related questions

The Cardinal Rules

Investment strategy is tailored to each client’s specific needs. However, we have some fundamental beliefs and our services are structured around these views.

1. Strategic

We are not proponents of market timing but believe attractive entry, exit and rebalance opportunities exist amongst asset classes

2. Liability Aware

Strategy should be developed within the context of each client’s liabilities and the overall impact on operations and investments

3. Principal Protection

Protecting in down markets is the key to long-term economic growth

4. Forward-Looking

Investment strategy development and implementation is an inherently forward-looking exercise

5. Long Term Focused

Studies have shown that long-term strategic asset allocation adds the most value to investment returns

6. Customized

Each client has unique objectives, constraints and risk profiles which warrant fully customized solutions

7. Tax and Fee Conscious

Taxes and fees matter and should be explicitly considered in any investment strategy

8. Historical Perspective

While history is no indicator of future results, prior experiences can provide perspective on future investment decisions

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