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Cardinal Insights
Practical financial education and weekly market commentary from a fiduciary advisor in McKinney, Texas.
Why we publish
At Cardinal Wealth Management, we believe knowledge is the foundation of confident financial decisions. Cardinal Insights delivers practical educational content on wealth building, investing principles, and financial planning — completely free.
Paid subscribers get more: weekly market commentary, individual stock analysis, and portfolio perspectives drawn from our work as a fiduciary advisor.
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- Weekly market commentary
- Individual stock analysis
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Recent insights
Aug 25, 2026
The Good, The Bad, and The Ugly #3: Moderna (MRNA)
Moderna's stock doubled on the first-ever Phase 3 win for an mRNA cancer vaccine. The bull case, the bear case, and why binary events make it a rollercoaster.
Read on Substack →Aug 23, 2026
Cardinal Insights │Weekly Market Update
Federal debt crossed $40 trillion and long-bond yields hit a 19-year high. Why the bond market was the week's main character. Week Ending August 22, 2026
Read on Substack →Aug 20, 2026
529 Plans: Saving for a Kid’s Education Without Overthinking It
A plain-English guide to 529 plans: tax-free growth, 2026 limits, the Roth rollover safety net, financial-aid impact, and how to choose the right plan.
Read on Substack →Aug 16, 2026
Cardinal Insights │Weekly Market Update
Consumer sentiment sank to 51 and the market hit a record the same week. Why cooler inflation drove the rally. Week Ending August 15, 2026
Read on Substack →Why subscribe
1
Smarter financial decisions
Clear, jargon-free guidance from a working fiduciary advisor — not a content marketer.
2
Unbiased market perspective
No commissions, no products to sell. Just an honest read of where markets are and what it means.
3
Built for long-term wealth
We focus on the principles that compound over decades, not the noise that fills your feed.
4
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Common questions
What's the difference between free and paid?
Free subscribers receive our educational posts on wealth building, investing principles, and financial planning. Paid subscribers also receive weekly market commentary and individual stock analysis.
Is this investment advice?
No. Cardinal Insights is published for educational and informational purposes only. Nothing in the newsletter is personalized investment advice or a recommendation to buy or sell any security. Always consult with your own financial advisor before making investment decisions.
How often will I receive emails?
Free posts are published periodically. Paid subscribers receive a weekly market update in addition to the free posts.
How do I cancel?
You can unsubscribe at any time from any email or directly from your Substack account settings. Paid subscribers can downgrade to free or cancel entirely.
Are you the same Cardinal Wealth Management as the RIA?
Yes. Cardinal Insights is published by Cardinal Wealth Management LLC, a registered investment adviser based in McKinney, Texas. Newsletter content is separate from any individual advisory relationship.
Cardinal Insights is published for educational and informational purposes only and does not constitute investment, legal, tax, or other professional advice. Past performance is not indicative of future results. Cardinal Wealth Management LLC is a registered investment adviser. Please review our disclosures for important information about our services.