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About us
Our Philosophy
At Xponent Wealth Management, we help you protect what you’ve built—and what it’s meant to become.
Through specialized family office services and advanced life insurance strategies, we focus on safeguarding, preserving, and enhancing wealth across generations. Because true wealth is more than numbers—it’s security, opportunity, and the legacy you leave behind.
Our approach integrates life insurance planning into a comprehensive family office framework, creating thoughtful, customized solutions for high-net-worth families, business owners, and cross-border clients. Every strategy is designed with care, precision, and a deep understanding of what matters most to you.
So your wealth can continue to grow, support, and provide—long into the future.
Protect your wealth. Preserve your legacy. Care for those you love.
Echo Pan
President
Echo is a seasoned insurance advisor with a deep commitment to helping business owners and their families protect what they’ve built and thoughtfully transition wealth across generations.
She works closely with clients to design comprehensive insurance and estate planning strategies - guiding them through the complexities of wealth transfer with clarity, care, and precision. Her approach is grounded in understanding each client’s unique goals, ensuring their legacy is preserved and their loved ones are provided for.
Echo holds a Master’s degree from Manchester Metropolitan University and brings a strategic, client-focused perspective to every aspect of her advisory practice.
Since beginning her career in the financial industry in 2008, Echo has developed extensive experience across securities, capital markets, and investment brokerage. She built a strong foundation in financial analysis, portfolio management, and investment strategy before transitioning into insurance, where she found her passion for long-term, relationship-driven planning.
Today, she is known for building enduring client relationships, crafting tailored protection strategies, and delivering thoughtful, integrated solutions that support lasting wealth and peace of mind.
Mail: echopanwealth@gmail.com
Phone: 647-999-9560
Lucy Liu
Senior Financial Advisor
Lucy Liu brings over 30 years of experience in banking, financing, and financial services across China and Canada. Her career includes international banking, mortgage financing, and advising business owners on complex financial solutions.
As a Senior Financial Advisor at Xponent Wealth Management, Lucy specializes in corporate-owned life insurance, estate and succession planning, and wealth preservation strategies for business owners and high-net-worth families. Her extensive financing background allows her to provide practical solutions that integrate business planning, insurance, and long-term wealth transfer.
Throughout her career, Lucy has assisted hundreds of families with financing needs and has advised on multi-million-dollar commercial transactions, earning the trust of entrepreneurs and professionals through her experience, integrity, and client-focused approach.
May Wang
Financial Advisor
May Wang specializes in family protection, life insurance, and wealth preservation strategies for individuals, families, and business owners. She is dedicated to helping clients build financial security through comprehensive insurance solutions that support every stage of life.
With over 20 years of business management and client advisory experience, May is known for her trusted relationships, thoughtful guidance, and client-first approach. Her international background and entrepreneurial experience enable her to understand the evolving needs of families and provide personalized solutions that align with Xponent Wealth Management's commitment to long-term wealth protection and legacy planning.
Our team
GET TO KNOW US
Winni Zheng
Senior Financial Advisor
Winni Zheng specializes in offshore life insurance, offshore trust structures, and cross-border wealth planning for ultra-high-net-worth individuals and families. She works closely with clients to develop customized wealth protection and legacy solutions that address global asset preservation, succession planning, and long-term family governance.
A graduate of the University of Toronto, Winni brings extensive experience serving high-net-worth clients and is committed to helping globally minded families navigate complex international wealth planning with confidence and discretion.
Jiayi Lu
Office Manager
Jiayi Lu oversees office operations and client administration at Xponent Wealth Management, supporting the firm's commitment to delivering a seamless, high-quality client experience.
A graduate of the University of Toronto, Jiayi brings a strong background in business operations, human resources, and project coordination. She works closely with advisors and strategic partners to ensure the efficient execution of client services, marketing initiatives, and firm-wide operations.
With a detail-oriented and client-first approach, Jiayi plays an integral role in supporting Xponent Wealth Management's boutique Family Office model, helping maintain the exceptional level of service trusted by high-net-worth individuals, families, and business owners.
Mia Chen
Insurance Advisor
Mia Chen specializes in personal and commercial insurance solutions, helping families and business owners protect what matters most. As part of the Xponent Wealth Management team, she works alongside advisors to provide integrated risk management solutions, including home, auto, business, and personal insurance.
Mia is committed to delivering professional advice and exceptional client service. Fluent in English, Mandarin, Cantonese, and Taiwanese, she serves clients across the Greater Toronto Area with a personalized and client-focused approach.