Planning around your family’s needs
Financial decisions are connected. How assets are invested, when money will be needed, and what you envision for retirement and the next generation all deserve to be considered together.
I founded Lucid to make room for that broader view: understanding a family’s needs, exploring the choices available, and giving each part of the plan a clear purpose.
Lucinda Xue
CFP® · CIWM® · CIM® · PFP®
I studied accounting at Dalhousie University before entering Canada’s wealth management industry. Over more than seven years, I worked at BMO, Scotiabank Global Asset Management and Canaccord Genuity, with experience across wealth management and private wealth, serving clients at different stages of life.
Those experiences shaped how I approach planning. When considering an asset, I look at its role in the family’s finances. When discussing a decision, I consider its implications for cash flow, retirement and other arrangements.
My work focuses on financial planning in Canada. Where relevant, I also consider overseas assets—their approximate value, intended purpose and when they may become available to support the plan.
I work with clients in Mandarin and English. In our conversations, I aim to make the reasoning, assumptions and trade-offs clear, so you can make decisions in the context of your own life.
Current studies and availability
I am currently pursuing a master’s degree in finance at the University of Toronto. During my studies, I am limiting the number of planning engagements I undertake at the same time to allow sufficient time for analysis, review and client conversations. Project timing and working arrangements are confirmed before an engagement begins.
The knowledge and training behind the work
My accounting background and professional training in financial planning, wealth management and investment analysis form the foundation of my work.
Professional designations
- CFP® · Certified Financial Planner
- A comprehensive financial planning certification focused on bringing a family’s financial circumstances, goals and arrangements together.
- CIWM® · Certified International Wealth Manager
- A wealth management designation focused on the complex financial needs of high-net-worth clients.
- CIM® · Chartered Investment Manager
- A professional designation focused on investment analysis, portfolio construction and risk management.
- PFP® · Personal Financial Planner
- A Canadian designation in comprehensive financial planning, covering the analysis and planning of personal and household finances.
Licensing: Licensed for life insurance in British Columbia.
Three principles guide how I put that training into practice:
Consider the arrangements together
Look at assets, liabilities, income and future spending as connected parts of the household’s finances.
Explain the reasoning and trade-offs
Make clear which assumptions support a recommendation, what alternatives are available and what each could mean for the family.
Clarify responsibilities and collaboration
Work with accountants, lawyers and other professionals where needed, and explain the scope, fees, compensation and potential conflicts of interest before work begins.
The team supporting the work
Lina Bedoya
Operations & Coordination Associate
Lina supports day-to-day operations, client communications and project scheduling.
Oliver Song
Financial Technology & Systems Specialist
Oliver develops internal tools and workflow automation to support information handling and day-to-day operations.
Meet online, or in person by appointment
We work with families across Canada, primarily through online meetings. In-person meetings in Metro Vancouver are available by appointment.
Coal Harbour · Vancouver, British Columbia
Monday to Friday · By appointment, Pacific Time
Let’s talk about your situation
You can start with a question you’re considering. An introductory conversation gives us a chance to understand the background and what you would like planning to help you address.
Prefer email?Share your situation