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
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
Last week I had the incredible opportunity to attend the Mackenzie Investments Annual Women in Investing Conference — and wow, what a powerful experience.
Being in a room filled with trailblazing women who are reshaping the landscape of wealth and investing, reminded me why I do what I do. As a Financial Planner, staying on the cutting edge of modern, state-of-the-art investing strategies is non-negotiable — especially when it comes to understanding the unique dynamics of women in the financial world.
These events don’t just fill your notebook — they fill your cup. From building community with strong women in leadership to diving deep into the latest investment trends, I walked away inspired, informed, and ready to pass this value directly on to the incredible professional women and business owners I serve.
Here’s to leveling up, together. 💼💫
📍Want to build a smarter, more confident financial plan? Let’s talk — link in bio to book a free clarity call.
#WomenInFinance #LUCEMFinancial #WomenInvestors #FinancialEmpowerment #WomenInLeadership #FinancialPlanner #MackenzieInvestments #MoneyConfidence #FinancialLiteracy #InvestingWisely #FinancialWellness #ProfessionalWomen #WomenWithGoals #WealthWithPurpose #LegacyPlanning #EmpoweredWomenEmpowerWomen
Being in a room filled with trailblazing women who are reshaping the landscape of wealth and investing, reminded me why I do what I do. As a Financial Planner, staying on the cutting edge of modern, state-of-the-art investing strategies is non-negotiable — especially when it comes to understanding the unique dynamics of women in the financial world.
These events don’t just fill your notebook — they fill your cup. From building community with strong women in leadership to diving deep into the latest investment trends, I walked away inspired, informed, and ready to pass this value directly on to the incredible professional women and business owners I serve.
Here’s to leveling up, together. 💼💫
📍Want to build a smarter, more confident financial plan? Let’s talk — link in bio to book a free clarity call.
#WomenInFinance #LUCEMFinancial #WomenInvestors #FinancialEmpowerment #WomenInLeadership #FinancialPlanner #MackenzieInvestments #MoneyConfidence #FinancialLiteracy #InvestingWisely #FinancialWellness #ProfessionalWomen #WomenWithGoals #WealthWithPurpose #LegacyPlanning #EmpoweredWomenEmpowerWomen
Watch video
Don’t Just Plan for Retirement — Plan for Financial Independence
Retirement is often seen as the finish line, but what if we shifted the focus? Financial independence means having the freedom to live life on your terms — whether that’s retiring early, changing careers, or pursuing passions without money worries.
It starts with clear, timed goals that map out how you get there. When you know your numbers and have a plan, you gain control — and peace of mind.
Hi, I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc. With over 17 years helping professionals like you build lasting wealth, I know how empowering it is to have a roadmap to financial freedom.
Ready to take control and plan your unique path to independence?
👉 Click the link in my bio to book a free, no-obligation call. Let’s get you clear and confident about your future!
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialIndependence #RetirementPlanning #WealthBuilding #FinancialGoals #MoneyMindset #FinancialFreedom #LUCEMFinancial #PlanForYourFuture #WomenAndFinance #FinancialClarity #MoneyCoach #InvestSmart #FinancialWellness
Retirement is often seen as the finish line, but what if we shifted the focus? Financial independence means having the freedom to live life on your terms — whether that’s retiring early, changing careers, or pursuing passions without money worries.
It starts with clear, timed goals that map out how you get there. When you know your numbers and have a plan, you gain control — and peace of mind.
Hi, I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc. With over 17 years helping professionals like you build lasting wealth, I know how empowering it is to have a roadmap to financial freedom.
Ready to take control and plan your unique path to independence?
👉 Click the link in my bio to book a free, no-obligation call. Let’s get you clear and confident about your future!
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialIndependence #RetirementPlanning #WealthBuilding #FinancialGoals #MoneyMindset #FinancialFreedom #LUCEMFinancial #PlanForYourFuture #WomenAndFinance #FinancialClarity #MoneyCoach #InvestSmart #FinancialWellness
Don’t Just Plan for Retirement — Plan for Financial Independence
Retirement is often seen as the finish line, but what if we shifted the focus? Financial independence means having the freedom to live life on your terms — whether that’s retiring early, changing careers, or pursuing passions without money worries.
It starts with clear, timed goals that map out how you get there. When you know your numbers and have a plan, you gain control — and peace of mind.
Hi, I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc. With over 17 years helping professionals like you build lasting wealth, I know how empowering it is to have a roadmap to financial freedom.
Ready to take control and plan your unique path to independence?
👉 Click the link in my bio to book a free, no-obligation call. Let’s get you clear and confident about your future!
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialIndependence #RetirementPlanning #WealthBuilding #FinancialGoals #MoneyMindset #FinancialFreedom #LUCEMFinancial #PlanForYourFuture #WomenAndFinance #FinancialClarity #MoneyCoach #InvestSmart #FinancialWellness
Retirement is often seen as the finish line, but what if we shifted the focus? Financial independence means having the freedom to live life on your terms — whether that’s retiring early, changing careers, or pursuing passions without money worries.
It starts with clear, timed goals that map out how you get there. When you know your numbers and have a plan, you gain control — and peace of mind.
Hi, I’m Carolina Henao, Founder of LUCEM Financial Solutions Inc. With over 17 years helping professionals like you build lasting wealth, I know how empowering it is to have a roadmap to financial freedom.
Ready to take control and plan your unique path to independence?
👉 Click the link in my bio to book a free, no-obligation call. Let’s get you clear and confident about your future!
https://advisor.sunlife.ca/lucem.financial/connect/
#FinancialIndependence #RetirementPlanning #WealthBuilding #FinancialGoals #MoneyMindset #FinancialFreedom #LUCEMFinancial #PlanForYourFuture #WomenAndFinance #FinancialClarity #MoneyCoach #InvestSmart #FinancialWellness
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.