Comprehensive Financial Solutions Tailored for You
Our Approach
Step 1 Discovery
How can we create the right plan if we don’t know what truly matters to you? This step is all about you—your dreams, priorities, and life goals. Tell us what you want to achieve and when you want to make it happen!
Step 4 Implementation
Based on your priorities, we’ll implement the plan step by step, explaining how each part fits together and supports the bigger picture.
Step 2 Analysis
Based on your answers in step 1, we compare what your current financial situation looks like and see if that’s aligned with your goals.
Final Step: Constant Review
Once we’ve implemented the plan you’ve chosen, we’ll continue to review it regularly—because your goals and priorities can evolve as life changes. When they do, we’ll adjust your plan to keep everything aligned with your new direction.
Step 3 Recommendations
We’ll present several tailored recommendations and possible plans for you to choose from. This is where you’ll see the big picture of your financial strategy and share your feedback.
Asset Growth Strategies
The Lower Mainland is among the most expensive regions in the world, and with inflation outpacing wage growth, relying solely on your salary makes it hard to keep up. Over time, this can lead to a lower standard of living. That’s why it’s crucial to have investments—matched to your risk tolerance—to stay ahead of inflation and build lasting wealth.
Our Services
Wealth Preservation
Just as building wealth is important, protecting it is equally essential. Even the best investment strategy is meaningless if we overlook the two most significant financial risks every family faces: the risk of death and the risk of illness. With a well-designed protection plan, you can address both risks efficiently—giving you lasting peace of mind while your wealth continues to grow.
4 Pillars of Planning
Tax Planning Strategies
Taxes are one of the most significant expenses we face each year. Our philosophy is to help you plan wisely to minimize out-of-pocket costs. The most effective way to do this is through strategic, year-round tax planning—turning potential tax refunds into a “free” budget for your financial goals. While many people see tax refunds as extra spending money, they are actually your hard-earned dollars. Let’s make them work for your future.
Estate Planning
Estate planning is more than just distributing assets—it’s about protecting your legacy and ensuring your loved ones are cared for according to your wishes. A well-structured estate plan helps minimize taxes, avoid unnecessary legal costs, and provide financial security for future generations. By planning ahead, you gain control, clarity, and peace of mind knowing that what you’ve built will continue to benefit the people and causes that matter most to you.
About
our company
At Cedarmount Wealth Planning, we believe true wealth goes beyond numbers—it’s about security, freedom, and peace of mind for you and your family.
Founded and operated by Qiancheng (Caleb) Xu, Cedarmount Wealth Planning was built on the principle that every financial plan should be practical, personalized, and purposeful. With a strong focus on protection, tax efficiency, and long-term growth, we help clients make confident financial decisions at every stage of life.
Our mission is simple: to help you build, protect, and pass on your wealth with clarity and confidence. Whether you’re planning for retirement, protecting your family, or optimizing your tax strategy, Cedarmount Wealth Planning is your trusted partner every step of the way.
About Caleb
I’m Caleb Xu, founder of Cedarmount Wealth Planning, proudly serving families and business owners across Lower Mainland BC, Alberta and Ontario. With a background in Economics from UBC and over 7 years of industry experience, my passion is helping families and businesses build a solid financial foundation, grow and protect their wealth, and leave a legacy through thoughtful financial planning.
As a father of two young children, I deeply understand the importance of protecting what truly matters — from providing for your family today to preparing for the future through insurance, estate, and wealth-building planning.
Beyond the office, I serve actively in my church community as an interpreter, Sunday school teacher, and speaker, and I regularly host financial literacy seminars in South Surrey and Langley to help families gain confidence in their financial journey.
At Cedarmount Wealth Planning, my goal is simple: to make financial planning clear, personal, and built on trust. Whether you’re just starting your financial journey or planning your legacy, planning for your business. I’m here to guide you every step of the way.
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Founder | Insurance Planning Specialist | Wealth AdvisorI’m a financial advisor and insurance broker serving families and professionals across the Lower Mainland, BC, Alberta and Ontario. With a degree in Economics from UBC and over seven years of industry experience, I help clients build lasting financial security through personalized strategies in insurance, investments, and estate planning.
Let’s work together.
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Book Your Free Initial Consultation
At Cedarmount Wealth Planning, we believe good advice should start with trust—not pressure. That’s why your first consultation is completely free, with no strings attached and absolutely no sales pitch.
It’s simply a conversation about you—your goals, your concerns, and where you’d like to be financially. We’ll share honest insights and practical guidance to help you see the bigger picture.
If it feels like the right fit, great. If not, you’ll still walk away with valuable clarity—no obligations, no hidden agenda.
Fill in a simple information intake form, and we will reach out to you to book your free consultation and take the first step toward a smarter, more confident financial future.