PRINCIPLES OF OUR RETIREMENT PLANNING SERVICE
About Retirement Planning
When you retire and enter a completely different stage of life, your finances will too. But if you're still using strategies from the Accumulation stage during the retirement Decumulation stage, you're asking for trouble.
Because retirement planning is like climbing Mount Everest -- most of the fatal accidents actually happen on the way down. Make sure you have specific planning and advice from a retirement planning specialist.
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?
CERTIFIED FINANCIAL PLANNER
Bily Xiao, CFP, CKA
Certified Financial Planner,
Founder of Mobius Planning
SEE HOW OUR RETIREMENT PLANNING SERVICE HAS HELPED OTHERS
Case Studies
Each financial plan is custom tailored to a client's unique situation.
FOUNDED BY A CERTIFIED RETIREMENT PLANNER
About Mobius Planning
Mobius Planning provides comprehensive retirement planning service and retirement advise clients across Canada. Our retirement planners and retirement advisors 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.
VALUES OF OUR RETIREMENT PLANNING SERVICE
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 RETIREMENT PLANNING PROCESS
How Do We Get Started?
A thorough, multi-step approach allows our retirment planners and retirement advisors to give you a tailor-made, personalized plan, with all facts considered and all options explored.
OUR RETIREMENT PLANNER SEES THINGS DIFFERENTLY
Philosophy Behind Our Approach
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. Our retirement planners and retirement advisors help you get more, so you can give more, and ultimately, just do what you love.
COMMITMENT FROM OUR RETIREMENT PLANNER
Our Promise
Fiduciary Oath
Our retirement planners and retirement advisors 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. Our retirement planners and retirement advisors give you the advice you deserve and have been looking for.
WHAT MAKES OUR RETIREMENT PLANNING SERVICE DIFFERENT?
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
Our retirement planners and retirement advisors 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. Our retirement planners and retirement advisors 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.
QUESTIONS FOR OUR RETIREMENT PLANNER
Frequently Asked Questions
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.
Our independence also means an open, multi-platform approach. We partner with and have access to world-class talent and suppliers.