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
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Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
New year, new goals — but here’s one you might’ve missed: reviewing your protection plan.
Your insurance coverage — life, critical illness, disability, and group benefits — should grow with you.
Here’s a quick checklist:
✅ Update coverage to match your current income and responsibilities.
✅ Review beneficiaries — especially after marriage, divorce, or new family members.
✅ Don’t rely solely on employer benefits; they often don’t follow you when you move.
✅ Consider adding critical illness coverage — it provides a lump-sum payment if you face a major diagnosis, giving you time to heal without financial strain.
Protecting your wealth and wellbeing isn’t about fear — it’s about freedom.
Health is a currency of wealth, and peace of mind is part of prosperity.
I’m Carolina Henao, Founder of LUCEM Financial, lets review together :-)
#FinancialWellness #InsuranceReview #WomenAndWealth #CriticalIllness #CarolinaHenao #LUCEMFinancialSolutions #HealthIsWealth
And in Canada, the government literally helps you do that!
The Registered Education Savings Plan (RESP) gives families:
✨ A 20% annual government match, up to $500 a year
✨ Up to $7,200 in total grants per child
✨ Tax-deferred growth of funds within the account
Yet less than half of eligible families fully maximize their contributions!
Opening an RESP isn’t just about tuition — it’s about creating opportunity.
It’s how love becomes legacy, and how your financial planning turns into education, independence, and confidence for the next generation.
I’m Carolina Henao, Founder of LUCEM Financial Let's have a REAL conversation about legacy and education.
#InternationalDayOfEducation #RESP #EducationPlanning #FinancialWellness #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions #LegacyBuilding
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