LUCEM Financial Solutions Inc.

Plan with Purpose. Live with Confidence.

Personalized financial planning to help you grow, protect, and enjoy your wealth - wherever life takes you.

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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.

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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.

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Stay informed

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From health spending accounts to enhanced benefits, there are ways to cover what provincial plans don't — and sometimes save on taxes too. Let's explore what fits your needs and budget.

A withdrawal strategy can help create dependable income while helping you manage risk. Let’s chat about income planning basics that fit your needs. https://advisor.sunlife.ca/lucem.financial

Tax time is also estate-planning time. Reviewing your return helps ensure beneficiary designations, ownership structures and transfer plans align with your wishes, while reducing potential taxes on asset transfers.

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Office information

LUCEM Financial Solutions Inc.

Phone:

(905) 773-7677

Email:

carolina.henao@sunlife.com

Address:

13270 Yonge Street, Unit 101, Richmond Hill, ON, L4E 2T2 Canada

Office hours:

Monday to Friday: 9 AM to 5:00 PM

Saturday and Sunday: Closed

By Appointment outside of regular business hours

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