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
It’s a day to celebrate inclusion, awareness, and empowerment, and to make sure we’re using every tool available to support the people we love.
One of those tools is the Registered Disability Savings Plan (RDSP) — a federal program that helps Canadians living with disabilities build long-term financial stability.
Here’s how it works:
✨ If the beneficiary qualifies for the Disability Tax Credit, they can open an RDSP.
✨ The government contributes up to $3,500 per year, and up to $90,000 total in grants and bonds.
✨ Contributions can be made until age 49.
Yet fewer than 40% of eligible Canadians have opened one — leaving millions of dollars in unused support.
The RDSP isn’t charity — it’s compassion in action.
It’s how we build dignity, independence, and peace of mind for those who need it most. 💙
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. ✨
#InternationalDayOfPersonsWithDisabilities #RDSP #DisabilityAwareness #FinancialInclusion #CarolinaHenao #LUCEMFinancialSolutions #FinancialPlanning #WealthWithHeart
Most people think financial literacy is about knowing products… but it’s really about knowing yourself.
Your habits, your goals, your patterns.
Here’s something most Ontarians don’t realize:
👉 Nearly 60% don’t have a written financial plan.
👉 Those who do are twice as confident about their future. (FP Canada, 2023)
So before the year ends, try this:
✨ Write down your short-term goals (6–12 months).
✨ Write your long-term goals (3–10 years).
✨ Review where your money actually went this year.
When your goals are written down, you can pivot with purpose — instead of reacting to stress or fear.
Your money story doesn’t need to be perfect. It just needs to be clear.
Because awareness gives you power, and power gives you peace.
I’m Carolina Henao, Founder of LUCEM Financial. Let’s have a conversation and see where you are headed. Link in Bio.
#FinancialLiteracy #MoneyMindset #OntarioFinance #CarolinaHenao #LUCEMFinancialSolutions #WomenInBusiness #FinancialPlanning
Office information
