LUCEM Financial Solutions Inc.
Job title: Financial Planner
Languages spoken: English, Spanish
Area(s) served: Ontario
Clarity. Strategy. Confidence.
Helping Professionals and business owners make smart financial decisions, grow their wealth, and plan for what's next -with a clear, personalized strategy that evolves as life and business do.
At LUCEM Financial we specialize in helping professionals and business owners build, protect, and optimize their wealth. We understand the unique financial challenges you face—balancing business growth with personal financial security, navigating tax strategies, and planning for the future.
With over 17 years of experience in financial planning, we provide tailored solutions that align with your goals. Whether you're a busy executive, an entrepreneur scaling your business, or a professional planning for retirement, we craft strategies that put your money to work for you.
Why Work with Us?
• Professional Guidance: Our deep understanding of wealth management for professionals and business owners ensures strategies that fit your specific needs.
• Comprehensive Planning: From investment management to tax efficiency and business succession planning, we take a holistic approach.
• Personalized Service: We prioritize relationships over transactions, offering customized plans that evolve as your life and business grow.
Products and services
Browse through the product and services offerings below to learn more. Every financial and protection strategy is different. When we meet, we’ll discuss what might be right for your unique situation. Reach out if you have any questions or are ready to get started.
Health insurance products
Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.
Life insurance products
Life insurance allows you to protect the people you love by providing your beneficiaries a tax-free cash payment when you die.
Saving, budgeting and investing
Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
Stay informed
See more articles
Being successful in business doesn’t always mean having your personal finances on lock.
Just like you’d hire a trainer for fitness or a planner for a wedding, a financial planner ensures your financial goals are met, giving you the freedom to focus on the life you want to build.
Ready to take the guesswork out of your financial future?
Let’s connect.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
Just like you’d hire a trainer for fitness or a planner for a wedding, a financial planner ensures your financial goals are met, giving you the freedom to focus on the life you want to build.
Ready to take the guesswork out of your financial future?
Let’s connect.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
Being successful in business doesn’t always mean having your personal finances on lock.
Just like you’d hire a trainer for fitness or a planner for a wedding, a financial planner ensures your financial goals are met, giving you the freedom to focus on the life you want to build.
Ready to take the guesswork out of your financial future?
Let’s connect.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
Just like you’d hire a trainer for fitness or a planner for a wedding, a financial planner ensures your financial goals are met, giving you the freedom to focus on the life you want to build.
Ready to take the guesswork out of your financial future?
Let’s connect.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
She never thought she’d be navigating her family’s finances alone. When her husband passed away unexpectedly in his early 40s, she was left not just with grief — but with responsibilities she hadn’t prepared for.
Pensions, investments, insurance… it all felt overwhelming.
She came to me in tears and said, “I’ve never had to do this before. I don’t even know where to begin.”
So we started with compassion. Step by step, I helped her understand what she had, what she could build, and how to protect her family’s future.
Now, she’s making confident financial decisions — not out of fear, but from a place of strength.
She’s not just surviving. She’s creating a legacy.
✨ This is why I do what I do.
I’m passionate about supporting women through life’s most difficult transitions — and empowering them with the tools, clarity, and strategies to rebuild and thrive.
I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc., and I’m here to walk with you.
📲 Book your free, no-pressure call today. Link in bio.
#LUCEMFinancial #WomenEmpoweringWomen #LifeAfterLoss #WidowSupport #FinancialFreedom #LegacyPlanning #EmpoweredWomen #WomenAndWealth #YoureNotAlone #SupportAndStrategy #FinancialHealing #SmartMoneyMoves #WomenInFinance
Pensions, investments, insurance… it all felt overwhelming.
She came to me in tears and said, “I’ve never had to do this before. I don’t even know where to begin.”
So we started with compassion. Step by step, I helped her understand what she had, what she could build, and how to protect her family’s future.
Now, she’s making confident financial decisions — not out of fear, but from a place of strength.
She’s not just surviving. She’s creating a legacy.
✨ This is why I do what I do.
I’m passionate about supporting women through life’s most difficult transitions — and empowering them with the tools, clarity, and strategies to rebuild and thrive.
I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc., and I’m here to walk with you.
📲 Book your free, no-pressure call today. Link in bio.
#LUCEMFinancial #WomenEmpoweringWomen #LifeAfterLoss #WidowSupport #FinancialFreedom #LegacyPlanning #EmpoweredWomen #WomenAndWealth #YoureNotAlone #SupportAndStrategy #FinancialHealing #SmartMoneyMoves #WomenInFinance
Watch video
You won’t believe what I found when I reviewed one of my client’s financial plans…
She was a high-performing professional with a solid salary, employer pension, RRSP contributions, and what she thought was a pretty good handle on her money.
But when we looked closer?
👉 She was overpaying on taxes.
👉 Her investments weren’t aligned with her retirement goals.
👉 And she had no income strategy for her later years.
By making a few smart shifts — things no one had ever explained to her before — we freed up over $120,000 over time. That’s not a typo. That’s the power of a personalized financial strategy.
I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc., and I help women and business owners feel empowered, informed, and in control of their financial future.
✨ If you’re wondering what’s hiding in your own plan — or if you even have a real plan — let’s talk.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
She was a high-performing professional with a solid salary, employer pension, RRSP contributions, and what she thought was a pretty good handle on her money.
But when we looked closer?
👉 She was overpaying on taxes.
👉 Her investments weren’t aligned with her retirement goals.
👉 And she had no income strategy for her later years.
By making a few smart shifts — things no one had ever explained to her before — we freed up over $120,000 over time. That’s not a typo. That’s the power of a personalized financial strategy.
I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc., and I help women and business owners feel empowered, informed, and in control of their financial future.
✨ If you’re wondering what’s hiding in your own plan — or if you even have a real plan — let’s talk.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
You won’t believe what I found when I reviewed one of my client’s financial plans…
She was a high-performing professional with a solid salary, employer pension, RRSP contributions, and what she thought was a pretty good handle on her money.
But when we looked closer?
👉 She was overpaying on taxes.
👉 Her investments weren’t aligned with her retirement goals.
👉 And she had no income strategy for her later years.
By making a few smart shifts — things no one had ever explained to her before — we freed up over $120,000 over time. That’s not a typo. That’s the power of a personalized financial strategy.
I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc., and I help women and business owners feel empowered, informed, and in control of their financial future.
✨ If you’re wondering what’s hiding in your own plan — or if you even have a real plan — let’s talk.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
She was a high-performing professional with a solid salary, employer pension, RRSP contributions, and what she thought was a pretty good handle on her money.
But when we looked closer?
👉 She was overpaying on taxes.
👉 Her investments weren’t aligned with her retirement goals.
👉 And she had no income strategy for her later years.
By making a few smart shifts — things no one had ever explained to her before — we freed up over $120,000 over time. That’s not a typo. That’s the power of a personalized financial strategy.
I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc., and I help women and business owners feel empowered, informed, and in control of their financial future.
✨ If you’re wondering what’s hiding in your own plan — or if you even have a real plan — let’s talk.
📲 Click the link in bio to book your free discovery call today.
#WealthBuilding #WomenInFinance #FinancialEmpowerment #SmartMoneyMoves #LUCEMFinancial #FinancialWellness #FinancialPlanning #ProfessionalWomen #InvestWithConfidence #ClarityIsPower #CanadaFinance #MoneyCoach #FinancialPlanner
Office information
We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.