
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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One client restructured her investments and debt before year-end — saving $40,000 in taxes and interest for next year.
Don’t wait until January to realize what you could have done. The clock is ticking.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
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#CarolinaHenao
#LUCEMFinancial

A financial roadmap should be as unique as you are. Reach out for advice that looks at the full picture.
One of my clients was there. On paper, her business was thriving. $500K a year. But behind the scenes? She wasn’t paying herself properly. She felt guilty about taking time off. Vacations felt “anti-business.”
She told me: “It looks like I’m successful, but I can’t even enjoy what I’ve built.”
Together, we shifted her mindset and built a strategy that made her money work for her. Today—she pays herself confidently, her business is stable, and she can actually take a vacation without worry or guilt.
✨ Here’s the truth:
Frugality is not the name of the game.
Financial strategy is.
Your legacy shouldn’t just be the balance in your bank account. It should also reflect your joy, your health, your wellbeing. Because you are a multi-faceted being—and your business and legacy should reflect that balance.
👉 If you’ve been running your business like it’s only about the grind, this is your reminder: you’re allowed to enjoy the fruits of your labor.
💬 Let’s chat. A free, no-pressure call can help you build a strategy that supports both your business and your life.
#BusinessOwners #FinancialFreedom #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions