LUCEM Financial Solutions Inc.

Job title: Financial Planner

Languages spoken: English, Spanish

Area(s) served: Ontario

Clarity. Strategy. Confidence.

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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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Half a million in revenue. Zero joy.

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

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Sunlife
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.