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
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Apply for life or critical illness insurance and you can enter Sun Life’s Diabetes Protect to Win Contest! You could win $5,000, plus Sun Life will donate $5,000 to diabetes charities with each draw. Reach out and we can discuss your protection needs!
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
Apply for life or critical illness insurance and you can enter Sun Life’s Diabetes Protect to Win Contest! You could win $5,000, plus Sun Life will donate $5,000 to diabetes charities with each draw. Reach out and we can discuss your protection needs!
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
🚨 You don’t have to wait for a crisis to wonder if your financial world is safe.
👉 If you’ve ever felt that quiet fear—Am I being proactive enough? Am I protecting my family? Am I building a legacy that lasts?—this is for you.
💔 One of my clients built a business with her husband, brick by brick. Years of energy, sacrifice, and dreams. And then—one day—he was gone.
In an instant, she wasn’t just grieving the loss of her husband. She was staring at contracts, payroll, and financial questions she never imagined she’d face alone.
She told me: “I don’t even know what’s mine, what’s his, or what’s next.”
Together, we untangled it all. We created a roadmap that gave her stability in the middle of heartbreak. Step by step, she went from fear and overwhelm to clarity and confidence.
✨ Here’s the truth: financial planning isn’t only about scaling your business and celebrating wins. It’s also about being prepared for the chapters you hope never come—the ones that test everything you thought you could handle.
My passion is helping women not only thrive in moments of success, but also feel secure and prepared when life forces us to face our deepest fears.
💬 Let’s talk. A free, no-pressure conversation could be the peace of mind you’ve been waiting for. Link in BIO.
—
#FinancialEmpowerment #WomenInBusiness #LegacyPlanning #CarolinaHenao #LUCEMFinancialSolutions
👉 If you’ve ever felt that quiet fear—Am I being proactive enough? Am I protecting my family? Am I building a legacy that lasts?—this is for you.
💔 One of my clients built a business with her husband, brick by brick. Years of energy, sacrifice, and dreams. And then—one day—he was gone.
In an instant, she wasn’t just grieving the loss of her husband. She was staring at contracts, payroll, and financial questions she never imagined she’d face alone.
She told me: “I don’t even know what’s mine, what’s his, or what’s next.”
Together, we untangled it all. We created a roadmap that gave her stability in the middle of heartbreak. Step by step, she went from fear and overwhelm to clarity and confidence.
✨ Here’s the truth: financial planning isn’t only about scaling your business and celebrating wins. It’s also about being prepared for the chapters you hope never come—the ones that test everything you thought you could handle.
My passion is helping women not only thrive in moments of success, but also feel secure and prepared when life forces us to face our deepest fears.
💬 Let’s talk. A free, no-pressure conversation could be the peace of mind you’ve been waiting for. Link in BIO.
—
#FinancialEmpowerment #WomenInBusiness #LegacyPlanning #CarolinaHenao #LUCEMFinancialSolutions
Watch video
Every September, I see the same story: higher grocery bills, school fees, kids’ activities… and a bank balance that feels tighter than it should.
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
Every September, I see the same story: higher grocery bills, school fees, kids’ activities… and a bank balance that feels tighter than it should.
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
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.