Meet David Miller
David Miller specializes in helping successful Canadian individuals, families, business owners and retirees identify and address their investment and financial planning needs on both sides of the Canada–U.S. border. He is a registered portfolio manager in Alberta, British Columbia, Saskatchewan, Prince Edward Island and Ontario, and he is also a U.S. registered investment advisor. His cross-border expertise enables clients who live, work, invest, or hold assets in both countries to navigate complex tax, regulatory and investment issues with clarity and confidence.
Miller’s primary objective is to protect the financial goals his clients have worked toward. He focuses on preserving assets accumulated over a lifetime and on creating plans that reflect each client’s unique circumstances, priorities and risk tolerance. Miller delivers objective, evidence-based advice grounded in a thorough understanding of personal situations, and he follows a fiduciary standard—placing clients’ interests first at every step of the planning and implementation process.
For more than 20 years, Miller has served clients throughout Canada and across the border, working alongside a dedicated, independent team at Cardinal Point Wealth Management. His practice emphasizes clear communication, disciplined portfolio construction and a practical, goals-driven approach to long-term wealth preservation and growth. Whether the need is retirement planning, tax-aware investment structuring, cross-border estate considerations or day-to-day portfolio management, he aims to make complex ideas accessible and actionable.
| Services | • Financial Planning • Investment Planning & Implementation |
| Specializations | • Cross-border Planning (Canada/U.S.) • Comprehensive Financial Planning • Discretionary Portfolio Management |
| Payment Model | • Fees paid by clients based on assets managed by advisor • Fees paid by clients for advice (not based on assets) |
| Languages written and spoken | • English |
Why did you become a planner?
“After reading Rich Dad Poor Dad (Warner Books, 2000), I realized that there’s a significant need for financial literacy in this country.”
That realization helped shape Miller’s career direction. He emphasizes education as a central part of his work, helping clients and their families understand the choices they face so they can make informed decisions. His practice is oriented toward building financial confidence through clear explanations and practical guidance rather than jargon or hype.
What is your approach to financial planning?
“It’s always goals-based planning, client-first advice and evidence-based investing.”
Miller begins each engagement by identifying the client’s short- and long-term goals—retirement timing, legacy objectives, business succession, or cross-border lifestyle plans—and then crafts a plan designed to meet those goals within the client’s risk tolerance. He relies on evidence-based investing principles to structure diversified, cost-conscious portfolios and uses disciplined implementation and monitoring to keep plans on track. Communication, transparency and aligning recommendations with client priorities are core to his process.
What is your proudest achievement as a financial planner?
“Being nominated to the board of the Institute of Advanced Financial Planners.”
That nomination reflects peer recognition for professional standards and a commitment to ongoing learning and ethical practice. Miller views it as validation of his focus on rigorous planning, client service and professional development within the wealth management community.
What would you do if money were no object?
“I would help individuals and families become more confident with their finances through financial education.”
With unlimited resources, Miller would devote more time and tools to financial literacy initiatives—creating accessible education that empowers people to set clear goals, understand investment basics and make informed choices for their financial futures.
What is the best money advice you ever received?
“Focus on what you can control—stop worrying about the rest.”
For Miller, that advice translates into practical steps: attention to asset allocation, cost management, tax-efficient strategies and consistent saving and rebalancing, rather than trying to predict short-term market moves. It’s a mindset that helps clients stay focused on long-term objectives.
What is the worst money advice you ever received?
“Put your trust in the banks.”
Miller cautions against unquestioning trust in any single institution or strategy. Instead, he encourages clients to ask questions, understand fees and conflicts of interest, and seek independent, fiduciary-aligned advice that serves their best interests.
Contact David Miller
- 📍Calgary, A.B.
- 🔗 Cardinal Point Capital Management
- ☎️ 403-457-3285
- 🤳 linkedin.com/david-miller