# Modearn vs Cardinal Point

The clearest difference is iOS requirement: Modearn at 13.4 against Cardinal Point's 15.1. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Both ship on a similar rhythm, roughly every 6 weeks. The most recent releases landed on October 1, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Modearn | Cardinal Point |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/modearn/id6450792879/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | Every 6 weeks |
| Monetization | Free | — |
| Size | 32 MB | 64 MB |
| Requires iOS | **13.4** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Morton Capital Management, LLC](https://appshunter.io/developer/1694969349) | [Cardinal Point Capital Management Inc](https://appshunter.io/developer/1778257130) |

## What reviewers say

### Modearn

[App page](https://appshunter.io/ios/app/modearn/id6450792879)

This app provides personalized financial advice and wealth management services for Gen X and Millennials. It helps clients with career opportunities, executive compensation, tax strategies, investment management, and estate planning. Users can track investments and chat with their advisor.

**Highlights:** Personalized financial advice, Investment account tracking, Direct messaging with advisor, Executive compensation guidance, Tax savings strategies, Education savings planning

**Features:** macOS Compatibility

**In-app purchases:** none


### Cardinal Point

[App page](https://appshunter.io/ios/app/cardinal-point/id6737849074)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Modearn free?

Modearn is free to download, with no in-app purchases.

### Is Cardinal Point free?

Cardinal Point is free to download, with no in-app purchases.

### Do Modearn or Cardinal Point have ads?

Neither Modearn nor Cardinal Point shows ads.

### Which is updated more often, Modearn or Cardinal Point?

Modearn ships an update every 6 weeks, and Cardinal Point every 6 weeks. Most recently, Modearn was updated on October 1, 2026 and Cardinal Point on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*