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⏳ 3 money moves you’ll thank yourself for in January:

1️⃣ Review your accounts.
2️⃣ Max out contributions.
3️⃣ Set next year’s goals now.

✨ Simple steps that save you money, lower stress, and give you a strong start to 2026.

💬 Save this reel as your year-end checklist, share it with a friend who needs it—and most importantly, start thinking about this right now.

👉 Follow us to keep getting tools and tips to make your financial life great.

#FinancialPlanning #MoneyTips #CarolinaHenao #LUCEMFinancialSolutions
This weekend, I had the privilege of joining the Lace Up to End Diabetes event — an incredible initiative by Diabetes Canada, with Sun Life as the title sponsor.

It was extra meaningful because of friends like @Susanricesimpson, an amazing woman and a true example of what it means to make a difference in the world.
She and her family continue to navigate life with Type 1 Diabetes like absolute champions, with courage, grace, and heart. 💛

Standing among so many people walking, running, and showing up reminded me: community is strength.
When we come together for a cause, we’re not just raising funds, we’re raising energy, hope, and collective love.

What we do with our money, time, and energy matters.
It’s not just about saving or being tax efficient, it’s about using your abundance to create impact and healing.

✨ Add charities and causes that matter to you into your life strategy.

Because true abundance isn’t about accumulation — it’s about contribution.

#LaceUpToEndDiabetes #DiabetesCanada #SunLife #CommunityIsStrength #AbundanceMindset #CarolinaHenao #LUCEMFinancialSolutions
Are you financially prepared for a critical illness? Sun Life's Critical Illness Insurance Calculator can help you assess your needs. In just a few minutes, you can estimate how much coverage you might need to protect yourself and your loved ones.

Try it out today >> https://www.sunlife.ca/en/tools-and-resources/tools-and-calculators/critical-illness-insurance-calculator/
💡 Did you know families with disabilities could access up to $90,000 in government grants and bonds?

It’s through the Registered Disability Savings Plan (RDSP)—and yet, so many families don’t even know it exists.

Here’s how it works:
✔️ If you or your child qualify for the Disability Tax Credit, you can open an RDSP.
✔️ When you contribute, the government matches with grants.
✔️ In some cases, money is added even if you can’t contribute much.

✨ This isn’t just a savings plan—it’s a long-term financial lifeline.

Too many families miss out simply because they don’t know about it.

💬 Save this post for future reference, share it with someone who needs to know, and reach out if you’d like me to walk you through how an RDSP could work for your family.

#RDSP #FinancialPlanning #CarolinaHenao #LUCEMFinancialSolutions
🍂 This Thanksgiving, let’s practice financial gratitude.

It’s easy to focus on what we haven’t done yet—save more, invest more, grow more. But when we stop and reflect, there’s so much to be thankful for:

✨ Maybe you paid down debt.
✨ Maybe your business supported your family another year.
✨ Maybe you simply had enough to keep moving forward.

Gratitude doesn’t replace strategy—but it changes the way we see our progress. It reminds us that we’re building from strength, not lack.

💬 What financial win—big or small—are you grateful for this year?


#Thanksgiving #FinancialGratitude #CarolinaHenao #LUCEMFinancialSolutions
✨ Brilliant. Accomplished. Respected at work… but secretly overwhelmed by her finances.

One of my clients is a high-earning professional woman. On the outside, she looked like she had it all together. But she told me:
“I don’t feel secure. I don’t even know if I could handle an emergency.”

She was saving when she remembered, investing without a clear plan, and constantly worried she was “missing something.”

Together, we:
✔️ Organized her accounts.
✔️ Built a real strategy.
✔️ Put protections in place so she could breathe easier.

Today, she doesn’t just look successful—she feels it.
Because financial empowerment isn’t about appearances—it’s about confidence on the inside.

💬 Save and share this post as a reminder: even the most brilliant women deserve to feel secure in their financial success.

If you are ready to chat about your financial strategy - let's connect. Link in Bio!

#FinancialLiteracy #ProfessionalWomen #CarolinaHenao #LUCEMFinancialSolutions
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
How do I get the right personal health insurance?

How do I get the right personal health insurance?

Why would you need personal health insurance (PHI)? This kind of health insurance can help contribute to your well-being and financial stability. That's why it's important for you to understand what it is, and how it works.

Learn more in this article.
Struggling to hire top talent? Or worried your best people might leave?

One of my clients felt the same way. She told me: “I’d love to offer group benefits to my team… but I don’t think I can afford it.”

Like so many business owners, she was stuck between wanting to take care of her people and worrying about the cost. The thought of adding another expense on top of payroll, rent, and growth investments felt impossible.

But here’s the truth: benefits aren’t just a cost—they’re an investment.

Together, we built a benefits plan that fit her business today and scaled as she grew. Fast forward—her company is thriving. Her employees feel valued and supported. And she’s discovered something powerful:

✨ It’s easier to attract top talent.
✨ It’s easier to keep her best producers.
✨ It’s easier to build the culture she always envisioned.

👉 If you’re a business owner wondering if you can “afford” benefits, the better question might be: Can you afford not to?

💬 Let’s chat about how to make benefits work for you—not against you.
Link in Bio!

#BusinessOwners #EmployeeRetention #FinancialPlanning
#Groupbenefitsforbusiness
#CarolinaHenao #LUCEMFinancialSolutions

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