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
Health insurance products
Life insurance products
Saving, budgeting and investing
Stay informed
See more articles
This time of year always reminds me that no matter what we celebrate, we all share the same need — to feel connected, to feel seen, and to know that what we’ve built this year meant something.
The light we bring to others — through kindness, generosity, or even a moment of presence — that’s the real wealth.
So take time to slow down. Reflect on how you’ve grown. Celebrate your wins, big or small.
And remember: you don’t need everything to be perfect to feel grateful — you just need to notice the light that’s already here. The brighter you shine within, the more you illuminate others.
Happy Holidays from my family to yours!
This time of year always reminds me that no matter what we celebrate, we all share the same need — to feel connected, to feel seen, and to know that what we’ve built this year meant something.
The light we bring to others — through kindness, generosity, or even a moment of presence — that’s the real wealth.
So take time to slow down. Reflect on how you’ve grown. Celebrate your wins, big or small.
And remember: you don’t need everything to be perfect to feel grateful — you just need to notice the light that’s already here. The brighter you shine within, the more you illuminate others.
Happy Holidays from my family to yours!
~Look at your current investment mix
~Make sure your investment plan still fits your long-term goals
~Think about tax efficient ways to adjust your investments
Let's make sure your investments are set for 2026. Get in touch today.
https://advisor.sunlife.ca/lucem.financial
~Look at your current investment mix
~Make sure your investment plan still fits your long-term goals
~Think about tax efficient ways to adjust your investments
Let's make sure your investments are set for 2026. Get in touch today.
https://advisor.sunlife.ca/lucem.financial
In Latin, it means light. But for me — it’s much more personal.
It’s made up of the names of the three people who are my light:
💫 Luciana, Celeste, and Mauricio.
They’re the reason I do what I do. When I started in the financial industry nearly 20 years ago, I quickly realized how cold it could feel, so focused on numbers, targets, and transactions. And that never felt right to me.
I’m a heart-guided person. I care deeply about people, their dreams, their families, their stories, not just their portfolios.
That’s why I created LUCEM Financial: to build a space where wealth planning could feel human, holistic, and heart-centered.
Where clients aren’t treated like accounts, but like people who deserve peace, clarity, and light in their financial journey.
Because when your work aligns with your heart, abundance follows.
And when your wealth aligns with your values, legacy begins. ✨
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact.
#LUCEMFinancial #WomenInBusiness #WealthWithHeart #CarolinaHenao #FinancialPlanning #HolisticFinance #LightLegacyLove
Office information
