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
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.
Stay informed
See more articles
What a beautiful evening with BLOOM last week— a community of professional women showing up with intention, depth, and purpose. 🌸
I had the honour of sharing stories close to my heart — how I’ve supported incredible women through some of life’s hardest moments: divorce, loss, big life pivots… and how with the right financial strategy, those moments can become turning points toward greater strength and independence.
There was such alignment in the room — women doing meaningful work, building impact, and creating space for one another to rise.
Huge thanks to Rebekah, Alyssa, and Kristen for making this gathering so special. And to all the new faces I had the joy of meeting — I see you, and I’m cheering you on. 🧡
#BLOOMWomen #WomenSupportingWomen #FinancialEmpowerment #RealConnections #LUCEMFinancial #LifeAfterDivorce #WomenInBusiness #YorkRegionWomen #MoneyConfidence #BuildWithHeart #LegacyBuilding #EmpoweredWomenEmpowerWomen
I had the honour of sharing stories close to my heart — how I’ve supported incredible women through some of life’s hardest moments: divorce, loss, big life pivots… and how with the right financial strategy, those moments can become turning points toward greater strength and independence.
There was such alignment in the room — women doing meaningful work, building impact, and creating space for one another to rise.
Huge thanks to Rebekah, Alyssa, and Kristen for making this gathering so special. And to all the new faces I had the joy of meeting — I see you, and I’m cheering you on. 🧡
#BLOOMWomen #WomenSupportingWomen #FinancialEmpowerment #RealConnections #LUCEMFinancial #LifeAfterDivorce #WomenInBusiness #YorkRegionWomen #MoneyConfidence #BuildWithHeart #LegacyBuilding #EmpoweredWomenEmpowerWomen
Watch video
Meet Sarah* — a successful corporate leader who managed complex business deals and logistics every day. She was confident at work, but when it came to her personal finances, she kept things simple: paying taxes, a small savings account, and relying on her employer’s pension plan.
Despite earning well, Sarah had no clear roadmap to build lasting wealth. She assumed retiring at 65 was enough—but deep down, she worried: Will I be able to sustain the lifestyle I want? The truth was, she was missing out on strategies that could have made a huge difference.
That’s when Sarah connected with me. Together, we dug into her cash flow, debt, and investments. Step by step, she learned how to take control, plan proactively, and grow a solid financial foundation. No more guessing. No more uncertainty.
Today, Sarah feels empowered and confident. She understands her money well enough to navigate life’s changes with ease—and she’s on track to not just retire, but thrive.
“Understand your cash flow, debt, and investments to confidently navigate life changes.”
If Sarah’s story sounds like yours, let’s chat. Financial freedom is possible. 💪
*Name changed to protect client privacy.
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialEmpowerment #WealthBuilding #CorporateWomen #FinancialLiteracy #MoneyManagement #LUCEMFinancial #WomenAndFinance #FinancialFreedom #InvestSmart #PlanForTheFuture
Despite earning well, Sarah had no clear roadmap to build lasting wealth. She assumed retiring at 65 was enough—but deep down, she worried: Will I be able to sustain the lifestyle I want? The truth was, she was missing out on strategies that could have made a huge difference.
That’s when Sarah connected with me. Together, we dug into her cash flow, debt, and investments. Step by step, she learned how to take control, plan proactively, and grow a solid financial foundation. No more guessing. No more uncertainty.
Today, Sarah feels empowered and confident. She understands her money well enough to navigate life’s changes with ease—and she’s on track to not just retire, but thrive.
“Understand your cash flow, debt, and investments to confidently navigate life changes.”
If Sarah’s story sounds like yours, let’s chat. Financial freedom is possible. 💪
*Name changed to protect client privacy.
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialEmpowerment #WealthBuilding #CorporateWomen #FinancialLiteracy #MoneyManagement #LUCEMFinancial #WomenAndFinance #FinancialFreedom #InvestSmart #PlanForTheFuture
Meet Sarah* — a successful corporate leader who managed complex business deals and logistics every day. She was confident at work, but when it came to her personal finances, she kept things simple: paying taxes, a small savings account, and relying on her employer’s pension plan.
Despite earning well, Sarah had no clear roadmap to build lasting wealth. She assumed retiring at 65 was enough—but deep down, she worried: Will I be able to sustain the lifestyle I want? The truth was, she was missing out on strategies that could have made a huge difference.
That’s when Sarah connected with me. Together, we dug into her cash flow, debt, and investments. Step by step, she learned how to take control, plan proactively, and grow a solid financial foundation. No more guessing. No more uncertainty.
Today, Sarah feels empowered and confident. She understands her money well enough to navigate life’s changes with ease—and she’s on track to not just retire, but thrive.
“Understand your cash flow, debt, and investments to confidently navigate life changes.”
If Sarah’s story sounds like yours, let’s chat. Financial freedom is possible. 💪
*Name changed to protect client privacy.
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialEmpowerment #WealthBuilding #CorporateWomen #FinancialLiteracy #MoneyManagement #LUCEMFinancial #WomenAndFinance #FinancialFreedom #InvestSmart #PlanForTheFuture
Despite earning well, Sarah had no clear roadmap to build lasting wealth. She assumed retiring at 65 was enough—but deep down, she worried: Will I be able to sustain the lifestyle I want? The truth was, she was missing out on strategies that could have made a huge difference.
That’s when Sarah connected with me. Together, we dug into her cash flow, debt, and investments. Step by step, she learned how to take control, plan proactively, and grow a solid financial foundation. No more guessing. No more uncertainty.
Today, Sarah feels empowered and confident. She understands her money well enough to navigate life’s changes with ease—and she’s on track to not just retire, but thrive.
“Understand your cash flow, debt, and investments to confidently navigate life changes.”
If Sarah’s story sounds like yours, let’s chat. Financial freedom is possible. 💪
*Name changed to protect client privacy.
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialEmpowerment #WealthBuilding #CorporateWomen #FinancialLiteracy #MoneyManagement #LUCEMFinancial #WomenAndFinance #FinancialFreedom #InvestSmart #PlanForTheFuture
This is me and my youngest, Celeste — one my biggest motivations and my heart. 💖
As a mom, a woman in business, and someone who’s walked the path many of my clients are on, I know firsthand the worries that come with balancing today’s needs and planning for tomorrow’s legacy. It’s not just about surviving or getting by — it’s about building a life that supports the dreams you have now and the wealth you want to leave behind for your family.
Financial planning isn’t just numbers and spreadsheets. It’s deeply personal. It’s about creating security, freedom, and opportunities for those you love most.
Let’s plan beyond survival. Let’s build a legacy. ✨
https://advisor.sunlife.ca/lucem.financial/connect/
#LegacyPlanning #FinancialFreedom #MomLifeBalance #WomenWhoLead #BuildWealth #FamilyFirst #RealWomenRealStories #FinancialEmpowerment #LUCEMFinancial
As a mom, a woman in business, and someone who’s walked the path many of my clients are on, I know firsthand the worries that come with balancing today’s needs and planning for tomorrow’s legacy. It’s not just about surviving or getting by — it’s about building a life that supports the dreams you have now and the wealth you want to leave behind for your family.
Financial planning isn’t just numbers and spreadsheets. It’s deeply personal. It’s about creating security, freedom, and opportunities for those you love most.
Let’s plan beyond survival. Let’s build a legacy. ✨
https://advisor.sunlife.ca/lucem.financial/connect/
#LegacyPlanning #FinancialFreedom #MomLifeBalance #WomenWhoLead #BuildWealth #FamilyFirst #RealWomenRealStories #FinancialEmpowerment #LUCEMFinancial
This is me and my youngest, Celeste — one my biggest motivations and my heart. 💖
As a mom, a woman in business, and someone who’s walked the path many of my clients are on, I know firsthand the worries that come with balancing today’s needs and planning for tomorrow’s legacy. It’s not just about surviving or getting by — it’s about building a life that supports the dreams you have now and the wealth you want to leave behind for your family.
Financial planning isn’t just numbers and spreadsheets. It’s deeply personal. It’s about creating security, freedom, and opportunities for those you love most.
Let’s plan beyond survival. Let’s build a legacy. ✨
https://advisor.sunlife.ca/lucem.financial/connect/
#LegacyPlanning #FinancialFreedom #MomLifeBalance #WomenWhoLead #BuildWealth #FamilyFirst #RealWomenRealStories #FinancialEmpowerment #LUCEMFinancial
As a mom, a woman in business, and someone who’s walked the path many of my clients are on, I know firsthand the worries that come with balancing today’s needs and planning for tomorrow’s legacy. It’s not just about surviving or getting by — it’s about building a life that supports the dreams you have now and the wealth you want to leave behind for your family.
Financial planning isn’t just numbers and spreadsheets. It’s deeply personal. It’s about creating security, freedom, and opportunities for those you love most.
Let’s plan beyond survival. Let’s build a legacy. ✨
https://advisor.sunlife.ca/lucem.financial/connect/
#LegacyPlanning #FinancialFreedom #MomLifeBalance #WomenWhoLead #BuildWealth #FamilyFirst #RealWomenRealStories #FinancialEmpowerment #LUCEMFinancial
Office information
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.