Cedarmount Wealth Management
Ce
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 a high-cost region, and rising living expenses make a thoughtful long-term financial plan increasingly important. While employment income is an important part of building financial security, investing can play a valuable role in helping you pursue your financial goals and maintain your purchasing power over time.
Our approach is to help you understand how investment strategies fit within your overall financial plan, considering your objectives, time horizon, financial circumstances, and tolerance for investment risk. With a well-considered investment plan, you can work toward building long-term wealth while staying aligned with your broader financial goals.
Our Services
Wealth Preservation
Building wealth is important, but protecting the financial foundation you’ve built is an equally important part of financial planning. Life events such as premature death, illness, or disability can have a significant impact on a family’s financial goals and long-term plans.
Our approach helps you consider how insurance and other financial protection strategies fit within your overall financial plan. By identifying potential financial risks and exploring appropriate protection solutions, you can better protect your family’s financial goals while continuing to build for the future.
4 Pillars of Planning
Tax Planning Strategies
Taxes are an important consideration in financial planning and can have a significant impact on your overall financial goals. Our approach is to help you understand how tax considerations may fit into your broader financial plan and identify financial strategies that may help you use your resources more effectively.
Rather than viewing a tax refund simply as extra spending money, we can help you consider how those funds may be directed toward your longer-term financial goals, such as saving, investing, debt reduction, or other priorities.
Estate Planning
Estate planning is an important part of preparing for the future and considering how your financial assets may be managed and transferred according to your wishes. Our role is to help you consider the financial planning aspects of your estate and how they may fit within your broader financial goals.
Through thoughtful financial planning, we can help you identify considerations around life insurance, investments, beneficiary designations, and other financial arrangements that may support the people and causes that matter most to you.
Please note: Cedarmount Wealth Management provides financial planning and insurance guidance and does not provide legal, accounting, or professional tax advice. Mutual fund and investment services are provided through AssetPlus Capital Inc., while insurance services are conducted separately through the applicable insurance entities disclosed on this website. Recommendations are based on individual circumstances and do not guarantee financial outcomes. Tax, estate, legal, and accounting matters vary by situation, so we recommend consulting your qualified tax, legal, or accounting professional before making decisions involving these areas.
About
Cedarmount Wealth Management.
At Cedarmount Wealth Management, 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 Management 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 Management is your trusted partner every step of the way.
“Cedarmount Wealth Management is the approved trade name used by Qiancheng (Caleb) Xu in connection with his financial services practice. Mutual fund business is conducted through AssetPlus Capital Inc.”
About Caleb
I’m Caleb Xu, founder of Cedarmount Wealth Management, proudly serving families and business owners across the Lower Mainland, BC, Alberta and Ontario. With an Economics background from UBC and over 8 years of industry experience, I'm passionate about 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 Management, my goal is simple: to make financial planning clear, personal, and built on trust. Whether you’re just starting your financial journey, planning your legacy, or planning for your business. I’m here to guide you every step of the way.
-
Founder | Financial Advisor |I’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.
Interested in working together? Fill out some info and we will be in touch shortly! We can't wait to hear from you!
155-10551 Shellbridge Way
Airport Executive Park, Building 2, Richmond, BC, V6X 2W9
Tel: (604)273-0232
Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Mutual funds are not guaranteed, and their values change frequently. Please read the prospectus before investing
Mutual funds provided by AssetPlus Capital Inc. Cedarmount Wealth is a trade name used by Qiancheng Xu, a Dealing Representative with AssetPlus Capital Inc., a Member of CIRO and the Canadian Investor Protection Fund (CIPF). Life insurance products and services, including segregated funds, are provided through AssetPlus Financial Services Inc. and HUB Financial Inc.
Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Mutual funds are not guaranteed, and their values change frequently. Please read the prospectus before investing
Mutual funds provided by AssetPlus Capital Inc. Cedarmount Wealth is a trade name used by Qiancheng Xu, a Dealing Representative with AssetPlus Capital Inc., a Member of CIRO and the Canadian Investor Protection Fund (CIPF). Life insurance products and services, including segregated funds, are provided through AssetPlus Financial Services Inc. and HUB Financial Inc.
Book Your Free Initial Consultation
At Cedarmount Wealth Management, 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.
Disclaimer
Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Please read the prospectus and/or fund facts before investing. Mutual funds are not guaranteed; their values change frequently, and past performance may not be repeated. Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund. A nominee account is an account in which a corporation or other entity holds an investment in trust for an individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. Please read your Information Folder carefully and seek professional advice before investing. Commissions, trailing commissions, management fees and expenses may be associated with your insurance contract.
Privacy Policy
Cedarmount Wealth Management(“Cedarmount,” “we,” “our,” or “us”) is committed to protecting the privacy and confidentiality of your personal information.
Mutual funds are provided through AssetPlus Capital Inc. Cedarmount Wealth Management is an approved trade name used by Qiancheng (Caleb) Xu, Dealing Representative with AssetPlus Capital Inc. AssetPlus Capital Inc. is a Member of the Canadian Investment Regulatory Organization (CIRO) and Canadian Investor Protection Fund (CIPF)
What Information We Collect
Depending on the services you request, we may collect personal information such as:
Name and contact information
Date of birth and government identification
Social Insurance Number and tax residency information, where required
Employment and financial information
Income, assets, liabilities, and net worth
Investment objectives, knowledge, experience, and risk tolerance
Banking and investment account information
Information about beneficiaries, dependants, or authorized persons
Account, transaction, and communication records
We generally collect this information directly from you, but may also obtain information from AssetPlus, financial institutions, investment product manufacturers, regulators, government authorities, and other authorized sources.
Why We Collect Your Information
We collect, use, and maintain personal information to:
Provide financial and investment advice
Understand your financial circumstances and objectives
Assess investment suitability
Open and administer investment accounts
Process transactions and service requests
Meet know-your-client, anti-money laundering, tax, and regulatory requirements
Maintain required records
Prevent fraud and protect the security of our clients and systems
Communicate with you about your accounts and services
Sharing Your Information
Personal information collected by Cedarmount Wealth Management may be shared with AssetPlus Capital Inc. for the purpose of providing, administering, supervising, and supporting financial services.
Information may also be shared, where necessary, with:
Investment fund companies and product manufacturers
Financial institutions and custodians
Service providers supporting our business and technology
Professional advisors where authorized
CIRO, securities regulators, government authorities, and law enforcement where required or permitted by law
We do not sell or rent your personal information.
Consent and Privacy Choices
Where required by law, we will obtain your consent before collecting, using, or disclosing your personal information. Certain information may be collected, used, or disclosed without additional consent where permitted or required by law.
You may request access to or correction of your personal information and may withdraw consent where applicable. However, withdrawing consent may affect our ability to provide certain financial services or maintain an account where the information is required for legal or regulatory purposes.
Protecting and Retaining Your Information
We use reasonable physical, organizational, and technological safeguards to protect your personal information against unauthorized access, use, disclosure, loss, or destruction.
We retain personal information for as long as reasonably necessary to provide our services and satisfy applicable legal, regulatory, and record-retention requirements.
Some information may be stored or processed by service providers outside Canada and may therefore be subject to the laws of those jurisdictions.