For your second half of life

RETIREMENT PLANNING

Turning savings into a lifetime of income

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Retirement Income

How long will my money last? How much can I spend so I won't run out? When should I take government benefits like CPP and OAS? Which of my assets should I spend first?

Risk Management

What if we hit a recession? What if money is needed for failing health? What if I 'outlive' my money? Addressing the what ifs of uncertain investment returns, uncertain needs, uncertain lifespan.

Tax Planning

How do I minimize taxes? How do I avoid clawbacks to my government benefits? What about probate fees and other taxes on my estate? How can I optimize my charitable giving for tax efficiency?

Wealth Transfer

How much can I pass on to my children? How can I give less to the taxman and more to my loved ones? How can I leave a charitable legacy? Should I set up a charitable foundation?

Bily Xiao, CFP, CKA

Certified Financial Planner,
Founder of Mobius Wealth


Case Studies

Each financial plan is custom tailored to a client's unique situation.

Jon & Carol

Retirement

Jon and Carol had started thinking about retirement a bit more. They love their family and love their work. They're established in their careers. Their children are thriving, and having children of their own. They became grandparents a couple of years ago.


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About the Company

Mobius Planning Corp. provides comprehensive financial planning and wealth management to clients across Canada. We work especially with those who have a heart to give and make a difference in the world—to steward and maximize their wealth so they can live well and give generously.

Founder & Principal, Bily Xiao, is a Certified Financial Planner with a background at Microsoft and other tech companies. He has been cited on Forbes, Yahoo Finance and The Huffington Post for his financial expertise and is a member of the Financial Planning Association of Canada.

What We Offer

Comprehensive
Financial Planning

We look at everything in your financial life to make sure it is set up, tuned up, and rightly balanced in consideration of what is important to you.

Expert Guidance

From an accredited Certified Financial Planner, Certified Kingdom Advisor, and optimization-obsessed former University of Waterloo engineer.


Investments

Globally diversified and evidence-based strategies managed by a roster of world class Portfolio Managers.

Confidence & Clarity

We map out your flight plan and keep you on track along the way. We help you steward your finances wisely, make smart decisions about money, and achieve your goals.

Our Process

A thorough, multi-step approach allows us to give you a tailor-made, personalized plan, with all facts considered and all options explored.

1. Organize
2. Analyze
3. Strategize
4. Realize
 

Philosophy

All this stuff about money is not actually about money. It’s about living with confidence, doing what you love, giving to causes you care about, having better marital harmony, spending time with grandchildren and leaving an impact in the world -- whatever matters most to you. We help you get more, so you can give more, and ultimately, just do what you love.

Our Promise

Fiduciary Oath

We operate under a fiduciary pledge to work in our clients best interests. Our complete focus is what is best for you.

Real Advice

Get real advice, not a product sales pitch. We give you the advice you deserve and have been looking for.

Why Work With Mobius?

Sound Advice

Actually have a plan. Know that what you're doing is based on proven strategies, sound principles and evidence-based research.

Happy Simplicity

We figure it all out for you so you don't have to. Delegate the heavy lifting to us. We'll provide you the bottom line.

Joyful Giving

Get more to give more. It's core to our mission. We love to give and want to set you up for abundance and greater giving.

Wise Stewardship

Be a good steward of your resources. Manage your finances well in alignment to both your goals and your values.

Getting Swindled

Without an professional plan, you're prone to being sold and swindled by a product sales "advisor" offering "free advice".

Making Blunders

Making a big mistake. Doing something too late. Paying more tax than you have to. Taking more risk than you should.

Stress & Worry

You wonder if you're doing the right thing. News headlines have you worried. You're not on the same page with your spouse.

Unfulfilled Goals

You're too busy, overwhelmed, unsure, poorly advised to make the most of your finances, leaving you short of fulfilling your goals.

Frequently Asked Questions

What's a CFP / CERTIFIED FINANCIAL PLANNER?
The lack of regulations in Canada means anyone can call themselves a financial planner or financial advisor without rigorous training. Oftentimes, it is only sales training that is had. In contrast, a CFP® or CERTIFIED FINANCIAL PLANNER® professional has achieved and maintains internationally recognized standards of knowledge, skills, abilities and ethics. The CFP designation provides assurance to Canadians that the design of their financial future rests with an appropriately qualified professional who will put clients’ interests ahead of their own.
What company do you represent?
We are independent. Rather than represent any one company, we represent your best interests.

Our independence also means an open, multi-platform approach. We partner with and have access to world-class talent and suppliers.
What cities/locations do you serve?
We serve clients across Canada through online meetings and phone. We also serve clients face to face at our offices, locally, in Richmond, BC and Vancouver, BC.

Our Testimonials

Bily was referred to me by a family member. I'm not that well versed in investing and he was able to explain everything very clearly. He communicated quickly and clearly and made a lot of time to make sure I understood what I was investing in. I'd recommend his services to anyone that is looking for an investment/insurance advisor that they can trust.

Lyen L

I've known Bily for a good few years now, he is definitely someone who I can fully trust and rely on because of the person he is. He is a man who seeks other people's interests, I've personally experienced and witnessed how much he cares for people and how well he takes care of them. His intelligence simply amazes me and he is always striving for excellence, not to mention he has great work ethics. There is no reason why I wouldn't find him to take care of my investments. He is a blessing to my life.

Elizabeth C

Bily has been helping me for the past year to get my financial things in order since I've never bothered with investments or financial planning in the past. He was very straightforward and explained that I had many financial planning options to choose from and he advised me on what would make the most sense for my situation. He was very thorough, detailed, knowledgeable and gave me the sense that my financial planning was in good hands. He doesn't try to up sell or make you buy options you don't need. I feel like I have a good financial foundation now both in knowledge and finances.

Karen

We've always dealt with the banks prior to meeting Bily. Let's just say the experience was a lot different. Bily took the time to explain a lot of things that the bank reps never did. I feel more confident in where my money is invested now.

Joan

Bily was absolutely great to deal with. He took his time to understand our needs, explained all the various options, and gave us his honest opinion on what he felt was best for us.

Jeff

Finances are SO important but I don't have time to learn about all the options and stay on top of things myself! I just want to meet regularly with someone to help me summarize and optimize things. Working with Bily has been a great decision. His advice is free of conflict of interest because it's not based on commission. He makes things easy to understand and educates us on financial concepts. He is a great listener and completely personalizes things based on our needs. Without him we'd just set it and forget it. Bily is constantly looking out for our interests, going above and beyond to find us the best quotes, connecting us with the right people. Really appreciate having him as a resource and really trust him as an adviser!

Josh and Charlene

Bily has helped me over the past few years to provide much needed guidance with my finances and help me feel confident about investing again. He is one of the most kind, honest and trusted individuals I know, and would recommend his services to any family or friend that I know.

Joshua N

I had a ton of questions about different financial products that are available on the market and Bily was very patient in helping to explain each one in detail. He will listen to your needs and work with you to find something that fits your lifestyle. I would highly recommend Bily's services!

Jing C

I went to Bily to review my insurance options as a few of my friends referred him to me and I didn’t quite trust other advisors I had already seen. Unlike other advisors, Bily didn’t try to sell me things I didn’t need or wasn’t comfortable with. I trust Bily and really appreciated the time he took to review and explain the different options and to find the plans that tailored to my needs. Knowledgeable, friendly and patient - would most definitely recommend him to others!

Lysa L

Bily took the time to meet with me and show me how both investment and insurance can work to protect and create wealth. Meeting my financial goals was an eye opening process and Bily was patient in teaching and explaining every step of the way. He was always respectful of my thoughts and sought to find the best solutions for my individual situation.

Kris W

Bily is a compassionate individual who has the heart of a teacher. He listened to my needs and educated about the different options on the market and recommended what he would do for himself and his own family. Most importantly, he did not force me to choose and option but consulted and helped me make a decision myself based on my needs. Thanks Bily!

Jason C

Having a young family, making sure we had someone that we could trust to help us plan for the next 5 and 50+ years was paramount. Bily is extremely competent and professional, I was very impressed with his depth of knowledge and his ability to craft a financial plan that suited our needs perfectly. I would gladly recommend Bily's services to anyone needing a financial advisor.

Barbara L

I have tried investing on my own and have realized that I have no idea what I'm doing. So I needed to find a professional that was smarter than me at this. Therefore Bily. Since Bily has an analytical background, he was able to show me numbers that made sense. Beyond the basic compound interest PV calculations they teach you in high school accounting. He was able to provide more sophisticated PV calcs including tax implications. If you want to just buy funds, you can go to anyone any they'll provide you with some compound interest calculations that may wow you. If you want intelligent, and analytical reasoning behind your investments, Bily's your man.

Rudolph N

Bily has been my financial advisor for over the last year and aside from being extremely competent, he provides insightful advice catered to MY personal situation. One quality that truly stands out is his ability to listen, understand and propose solutions. He has been easy to communicate with and I am confident that he also has my best interest when it comes to ensuring my financial goals are within reach. One of the finest and most professional advisors I know.

Damian H

Bily, thank you for taking the time to really listen to what was on my heart and helping me gauge on what is important. I really appreciate the time and care that you took in walking through this process with me and for giving me a different perspective of financial stewardship. I know the importance and value of it, but you took it to another level and showed me the depths into every area of my life. Thank you. Thank you. Thank you.

Cindy C

Thanks Bily for helping me put together a forward looking financial plan. I appreciate all the time you put into meeting with me and listening to my goals, researching and fact checking all my questions, giving strategic planning options, and even taking my calls on your day off.

Linda B

Bily provided me excellent recommendations for life insurance. He was able to explain to me thoroughly the different options available, and advised me with the one best suited for my needs. I can confidently trust on his advise because he is very analytical and also very kind, and wants the best for his customers.

Jorge Q

Working with Bily has been such a pleasure. I appreciate his honesty and pressure free approach. He took his time to understand the needs of my family before making any suggestions. I feel very comfortable that my insurance and financial needs are being taken care of. I highly recommend Bily's services.

Albert L

Even having had some education about personal finances, trying to handle them and also understanding the options out there presented by multiple companies can be difficult. Bily does a very good job of researching what is out there and presenting what he thinks is a good fit based off of your financial goals. As some others have mentioned he is extremely patient and doesn't push you make decisions. And on top of that, if you have something that you want to get done, he always tries to get you asap even if it means working a little past conventional work hours.

Helen Y

Bily has been a great financial advisor when I was starting my career and in the phase of just getting engaged. He taught me the financial knowledge that I wouldn't have known and was really deliberate and patient with teaching the financial fundamentals. He presents the best options based on personal financial goals and never tries to push anything on you, but rather he has a heart to provide the best service to every individual client to his utmost ability.

Vince

Bily is a great advisor who takes the time to really understand your financial and insurance needs. As a result, he has laid out a comprehensive plan that is tailored to help me to reach my goals within my budget. He is always quick to respond and effectively explains finance and insurance concepts and jargon. Bily never pressured me to buy any products from him, but gave me the time and resources to make informed decisions. He's someone that has my best interests at heart and I would recommend him for his value-added service

Gabriel C

Bily is able to understand my complexity and concerns. He's helped me build out my financial strategies and I can always rely on him for good advice.

Sunny

I needed to find a professional that was smarter than me at this. Since Bily has an analytical background, he was able to show me numbers that made sense.

Rudy

Bily helped me sort out my entire family finances very quickly, professionally, and expertly. I was blown away at his expertise and unique ability to explain things.

Moosvi

My wife and I would definitely recommend Bily's financial planning services to anyone. From the beginning, he took time to patiently listen to all our financial concerns and questions regarding insurance and investing. We were consistently impressed by his transparency and clarity through the whole process. We've really felt confident in the personalized plan he's made for our family, and will definitely continue to count on his valuable advice into the future.

Felix C

Bily helped me developed some short- and long-term goals. He listened to my financial concerns and took the time to explain various concepts to me!!

Grace C

My wife and I were working out many difficult financial decisions and Bily was able to walk us through the mess and give us very practical options for the short and long term. He is very knowledgeable, patient, and really puts the focus on helping people understand their options for managing financial needs. We highly recommend him!

Ian N

Bily was very helpful in all his advice. He was not pushy and was very knowledgeable in providing a holistic view. He took the time to help us understand all the concepts that we needed to know. I recommend his services.

Joses W

Bily listened attentively and went beyond. My circumstances are unusual and it's challenging to find insurance that work for me. He helped me find solutions to fit my needs. I really appreciated it and would highly recommend Bily.

Seak Pek C

Financial management was never our forte. We just did the average RRSP/TFSA contributions and never really understood where our money was going. We've always dealt with the banks prior to meeting Bily. Let's just say the experience was a lot different. Bily took the time to explain a lot of things that the bank reps never did. I feel more confident in where my money is invested now and I'm glad we made the switch to Mobius Wealth.

Mom W

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Pricing

We do things different from the industry. We actually charge a fee.

We do this because it removes the conflict of interest common in advisor-client relationships: where the "advice" is free but meagre, or is just a product sales pitch in disguise.

We do this because the value you can get is huge. Some things—like tax planning—can be quantified. Some things—like feeling good about your money, less fights with the spouse, or being able to retire early—are priceless.

We work on an annual retainer basis with fees on a sliding scale based on income, assets, and complexity. Fees start at $200 per month and may range up to $2,000 per month.

If you'd like to learn more about what we can do for you and to obtain a specific quote, please book a 15 minute initial phone call.

Mobius Giving

We donate at least 10% of all business profits to charities. We also provide $65,000 of lending to low-income entrepreneurs to alleviate poverty via KIVA.

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