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Stay informed with what’s going on. Browse posts that might be helpful to you or check out an event happening in your area. Come back regularly as this page is kept up-to-date with a lot of relevant information.
This Holiday season isn’t about gifts or glitter — it’s about light.
This time of year always reminds me that no matter what we celebrate, we all share the same need — to feel connected, to feel seen, and to know that what we’ve built this year meant something.
The light we bring to others — through kindness, generosity, or even a moment of presence — that’s the real wealth.
So take time to slow down. Reflect on how you’ve grown. Celebrate your wins, big or small.
And remember: you don’t need everything to be perfect to feel grateful — you just need to notice the light that’s already here. The brighter you shine within, the more you illuminate others.
Happy Holidays from my family to yours!
This time of year always reminds me that no matter what we celebrate, we all share the same need — to feel connected, to feel seen, and to know that what we’ve built this year meant something.
The light we bring to others — through kindness, generosity, or even a moment of presence — that’s the real wealth.
So take time to slow down. Reflect on how you’ve grown. Celebrate your wins, big or small.
And remember: you don’t need everything to be perfect to feel grateful — you just need to notice the light that’s already here. The brighter you shine within, the more you illuminate others.
Happy Holidays from my family to yours!
This Holiday season isn’t about gifts or glitter — it’s about light.
This time of year always reminds me that no matter what we celebrate, we all share the same need — to feel connected, to feel seen, and to know that what we’ve built this year meant something.
The light we bring to others — through kindness, generosity, or even a moment of presence — that’s the real wealth.
So take time to slow down. Reflect on how you’ve grown. Celebrate your wins, big or small.
And remember: you don’t need everything to be perfect to feel grateful — you just need to notice the light that’s already here. The brighter you shine within, the more you illuminate others.
Happy Holidays from my family to yours!
This time of year always reminds me that no matter what we celebrate, we all share the same need — to feel connected, to feel seen, and to know that what we’ve built this year meant something.
The light we bring to others — through kindness, generosity, or even a moment of presence — that’s the real wealth.
So take time to slow down. Reflect on how you’ve grown. Celebrate your wins, big or small.
And remember: you don’t need everything to be perfect to feel grateful — you just need to notice the light that’s already here. The brighter you shine within, the more you illuminate others.
Happy Holidays from my family to yours!
Market changes can affect your investments. As we approach year-end, it's a good time to:
~Look at your current investment mix
~Make sure your investment plan still fits your long-term goals
~Think about tax efficient ways to adjust your investments
Let's make sure your investments are set for 2026. Get in touch today.
https://advisor.sunlife.ca/lucem.financial
~Look at your current investment mix
~Make sure your investment plan still fits your long-term goals
~Think about tax efficient ways to adjust your investments
Let's make sure your investments are set for 2026. Get in touch today.
https://advisor.sunlife.ca/lucem.financial
Market changes can affect your investments. As we approach year-end, it's a good time to:
~Look at your current investment mix
~Make sure your investment plan still fits your long-term goals
~Think about tax efficient ways to adjust your investments
Let's make sure your investments are set for 2026. Get in touch today.
https://advisor.sunlife.ca/lucem.financial
~Look at your current investment mix
~Make sure your investment plan still fits your long-term goals
~Think about tax efficient ways to adjust your investments
Let's make sure your investments are set for 2026. Get in touch today.
https://advisor.sunlife.ca/lucem.financial
When people ask what LUCEM means, I smile.
In Latin, it means light. But for me — it’s much more personal.
It’s made up of the names of the three people who are my light:
💫 Luciana, Celeste, and Mauricio.
They’re the reason I do what I do. When I started in the financial industry nearly 20 years ago, I quickly realized how cold it could feel, so focused on numbers, targets, and transactions. And that never felt right to me.
I’m a heart-guided person. I care deeply about people, their dreams, their families, their stories, not just their portfolios.
That’s why I created LUCEM Financial: to build a space where wealth planning could feel human, holistic, and heart-centered.
Where clients aren’t treated like accounts, but like people who deserve peace, clarity, and light in their financial journey.
Because when your work aligns with your heart, abundance follows.
And when your wealth aligns with your values, legacy begins. ✨
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact.
#LUCEMFinancial #WomenInBusiness #WealthWithHeart #CarolinaHenao #FinancialPlanning #HolisticFinance #LightLegacyLove
In Latin, it means light. But for me — it’s much more personal.
It’s made up of the names of the three people who are my light:
💫 Luciana, Celeste, and Mauricio.
They’re the reason I do what I do. When I started in the financial industry nearly 20 years ago, I quickly realized how cold it could feel, so focused on numbers, targets, and transactions. And that never felt right to me.
I’m a heart-guided person. I care deeply about people, their dreams, their families, their stories, not just their portfolios.
That’s why I created LUCEM Financial: to build a space where wealth planning could feel human, holistic, and heart-centered.
Where clients aren’t treated like accounts, but like people who deserve peace, clarity, and light in their financial journey.
Because when your work aligns with your heart, abundance follows.
And when your wealth aligns with your values, legacy begins. ✨
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact.
#LUCEMFinancial #WomenInBusiness #WealthWithHeart #CarolinaHenao #FinancialPlanning #HolisticFinance #LightLegacyLove
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Planning for the future isn’t about fear — it’s about love. 💛
I’ve seen families with wealth, businesses, and beautiful intentions… but without a will or Powers of Attorney, everything becomes complicated when life changes suddenly.
A will is not about money — it’s about care.
It’s how you say “I love you” to your family in a language they’ll understand when you’re no longer there to speak it.
Here’s what most people don’t realize:
✔️ Without a Will, courts decide who gets what.
✔️ Without a Power of Attorney, no one can legally handle your finances if you’re ill.
✔️ Without clarity, even strong families can face stress and conflict.
✨ A Will is love. Insurance is love. Planning is love.
Because real abundance isn’t just what you have — it’s what you protect.
I’m Carolina Henao, Founder of LUCEM Financial.
Let’s have a conversation and see where you can continue to support your loved ones in the future.
Link in bio.
#EstatePlanning #FinancialWellness #LegacyPlanning #CarolinaHenao #LUCEMFinancialSolutions #WomenInBusiness #FinancialEmpowerment
I’ve seen families with wealth, businesses, and beautiful intentions… but without a will or Powers of Attorney, everything becomes complicated when life changes suddenly.
A will is not about money — it’s about care.
It’s how you say “I love you” to your family in a language they’ll understand when you’re no longer there to speak it.
Here’s what most people don’t realize:
✔️ Without a Will, courts decide who gets what.
✔️ Without a Power of Attorney, no one can legally handle your finances if you’re ill.
✔️ Without clarity, even strong families can face stress and conflict.
✨ A Will is love. Insurance is love. Planning is love.
Because real abundance isn’t just what you have — it’s what you protect.
I’m Carolina Henao, Founder of LUCEM Financial.
Let’s have a conversation and see where you can continue to support your loved ones in the future.
Link in bio.
#EstatePlanning #FinancialWellness #LegacyPlanning #CarolinaHenao #LUCEMFinancialSolutions #WomenInBusiness #FinancialEmpowerment
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Before you write new goals, take a quiet moment to thank the money that supported you this year. ✨
It helped you feed your family.
Build your business.
Give back.
Heal.
Grow.
Gratitude shifts everything.
When you see your money as something that’s already serving you, you stop leading from scarcity — and start leading from peace.
Here’s a little reflection I share with my clients:
🕯️ Write down three ways your money supported you this year.
💫 Then write one intention for how you want it to support you differently next year.
Because money that’s appreciated… appreciates.
It grows in energy, opportunity, and ease.
Save this, share it and keep following along for more Wealth Talk from the heart!
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact. ✨
#LUCEMFinancial #CarolinaHenao #WealthTalk #moneyisenergy #Moneyyouappreciateappreciates
It helped you feed your family.
Build your business.
Give back.
Heal.
Grow.
Gratitude shifts everything.
When you see your money as something that’s already serving you, you stop leading from scarcity — and start leading from peace.
Here’s a little reflection I share with my clients:
🕯️ Write down three ways your money supported you this year.
💫 Then write one intention for how you want it to support you differently next year.
Because money that’s appreciated… appreciates.
It grows in energy, opportunity, and ease.
Save this, share it and keep following along for more Wealth Talk from the heart!
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact. ✨
#LUCEMFinancial #CarolinaHenao #WealthTalk #moneyisenergy #Moneyyouappreciateappreciates
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Don't let holiday joy turn into January budget blues. Unwrap our guide to seasonal spending, smart insurance tips and tax-saving strategies that keep your wallet merry and bright. Start 2026 financially strong!
Read our complete holiday money management guide: www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/your-guide-to-holiday-money-management/
Read our complete holiday money management guide: www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/your-guide-to-holiday-money-management/
Don't let holiday joy turn into January budget blues. Unwrap our guide to seasonal spending, smart insurance tips and tax-saving strategies that keep your wallet merry and bright. Start 2026 financially strong!
Read our complete holiday money management guide: www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/your-guide-to-holiday-money-management/
Read our complete holiday money management guide: www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/your-guide-to-holiday-money-management/
Before December 31st, there are a few simple but powerful things you can do to end the year strong.
Here’s your “Use It or Lose It” checklist:
✅ Max out your RRSP to lower this year’s taxable income by February 28th
✅ Use any health or dental benefits before they expire
✅ Review insurance coverage and beneficiaries.
✅ Make charitable donations to get your 2025 tax credit.
These aren’t just tasks — they’re opportunities to finish your year with clarity, confidence, and care.
✨ Financial peace isn’t about doing everything. It’s about doing the right things at the right time.
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact.
#FinancialPlanning #YearEndChecklist #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions #MoneyTips
Here’s your “Use It or Lose It” checklist:
✅ Max out your RRSP to lower this year’s taxable income by February 28th
✅ Use any health or dental benefits before they expire
✅ Review insurance coverage and beneficiaries.
✅ Make charitable donations to get your 2025 tax credit.
These aren’t just tasks — they’re opportunities to finish your year with clarity, confidence, and care.
✨ Financial peace isn’t about doing everything. It’s about doing the right things at the right time.
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact.
#FinancialPlanning #YearEndChecklist #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions #MoneyTips
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Brighten lives with strategic giving
Maximize your charitable impact while optimizing tax benefits with strategic giving options. 🎁
Let's explore how tax-efficient donations can align with your philanthropic goals and financial strategy. Book a consultation to discuss your charitable giving plan for this year and beyond.
https://advisor.sunlife.ca/lucem.financial
Let's explore how tax-efficient donations can align with your philanthropic goals and financial strategy. Book a consultation to discuss your charitable giving plan for this year and beyond.
https://advisor.sunlife.ca/lucem.financial
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Giving is a Wealth Strategy
This time of year, generosity is everywhere, but real giving starts long before the holidays.
When you align your donations with your values, giving becomes one of the most powerful financial strategies you’ll ever use. 💛
Here’s what most people don’t realize:
✔️ You can receive up to a 50% tax credit ( Federal and Provincial Combined) for charitable donations in Canada.
✔️ Donating securities instead of cash can help you avoid capital gains tax.
✔️ You can even name a charity in your will — turning kindness into legacy.
Money isn’t just about saving or earning more, it’s about directing it toward what matters most.
When you give with intention, you multiply your abundance, because your wealth begins to mirror your heart.
I’m Carolina Henao, Founder of LUCEM Financial.
Let’s have a conversation and see where you’re headed. Link in bio.
#FinancialPlanning #Philanthropy #WealthWithPurpose #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions #CharitableGiving
This time of year, generosity is everywhere, but real giving starts long before the holidays.
When you align your donations with your values, giving becomes one of the most powerful financial strategies you’ll ever use. 💛
Here’s what most people don’t realize:
✔️ You can receive up to a 50% tax credit ( Federal and Provincial Combined) for charitable donations in Canada.
✔️ Donating securities instead of cash can help you avoid capital gains tax.
✔️ You can even name a charity in your will — turning kindness into legacy.
Money isn’t just about saving or earning more, it’s about directing it toward what matters most.
When you give with intention, you multiply your abundance, because your wealth begins to mirror your heart.
I’m Carolina Henao, Founder of LUCEM Financial.
Let’s have a conversation and see where you’re headed. Link in bio.
#FinancialPlanning #Philanthropy #WealthWithPurpose #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions #CharitableGiving
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Don't miss out on potential tax savings and securing your nest egg. Here's why you should consider maximizing your RRSP contributions:
• Reduce your taxable income for 2025
• Grow your savings tax-free until withdrawal
• Invest in your future financial well-being
Sun Life offers a range of RRSP investment options that can help grow your retirement savings:
💰 Mutual funds
📈 Guaranteed Investment Certificates (GICs)
🏦 Savings accounts
Let's chat about how we can help you make the most of your RRSP contributions before the deadline. Your future self will thank you!
• Reduce your taxable income for 2025
• Grow your savings tax-free until withdrawal
• Invest in your future financial well-being
Sun Life offers a range of RRSP investment options that can help grow your retirement savings:
💰 Mutual funds
📈 Guaranteed Investment Certificates (GICs)
🏦 Savings accounts
Let's chat about how we can help you make the most of your RRSP contributions before the deadline. Your future self will thank you!
Don't miss out on potential tax savings and securing your nest egg. Here's why you should consider maximizing your RRSP contributions:
• Reduce your taxable income for 2025
• Grow your savings tax-free until withdrawal
• Invest in your future financial well-being
Sun Life offers a range of RRSP investment options that can help grow your retirement savings:
💰 Mutual funds
📈 Guaranteed Investment Certificates (GICs)
🏦 Savings accounts
Let's chat about how we can help you make the most of your RRSP contributions before the deadline. Your future self will thank you!
• Reduce your taxable income for 2025
• Grow your savings tax-free until withdrawal
• Invest in your future financial well-being
Sun Life offers a range of RRSP investment options that can help grow your retirement savings:
💰 Mutual funds
📈 Guaranteed Investment Certificates (GICs)
🏦 Savings accounts
Let's chat about how we can help you make the most of your RRSP contributions before the deadline. Your future self will thank you!
💙 Today, December 3rd, is the International Day of Persons with Disabilities.
It’s a day to celebrate inclusion, awareness, and empowerment, and to make sure we’re using every tool available to support the people we love.
One of those tools is the Registered Disability Savings Plan (RDSP) — a federal program that helps Canadians living with disabilities build long-term financial stability.
Here’s how it works:
✨ If the beneficiary qualifies for the Disability Tax Credit, they can open an RDSP.
✨ The government contributes up to $3,500 per year, and up to $90,000 total in grants and bonds.
✨ Contributions can be made until age 49.
Yet fewer than 40% of eligible Canadians have opened one — leaving millions of dollars in unused support.
The RDSP isn’t charity — it’s compassion in action.
It’s how we build dignity, independence, and peace of mind for those who need it most. 💙
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact. ✨
#InternationalDayOfPersonsWithDisabilities #RDSP #DisabilityAwareness #FinancialInclusion #CarolinaHenao #LUCEMFinancialSolutions #FinancialPlanning #WealthWithHeart
It’s a day to celebrate inclusion, awareness, and empowerment, and to make sure we’re using every tool available to support the people we love.
One of those tools is the Registered Disability Savings Plan (RDSP) — a federal program that helps Canadians living with disabilities build long-term financial stability.
Here’s how it works:
✨ If the beneficiary qualifies for the Disability Tax Credit, they can open an RDSP.
✨ The government contributes up to $3,500 per year, and up to $90,000 total in grants and bonds.
✨ Contributions can be made until age 49.
Yet fewer than 40% of eligible Canadians have opened one — leaving millions of dollars in unused support.
The RDSP isn’t charity — it’s compassion in action.
It’s how we build dignity, independence, and peace of mind for those who need it most. 💙
I’m Carolina Henao, Founder of LUCEM Financial — and I help you let your light lead your wealth, so your wealth can lead your impact. ✨
#InternationalDayOfPersonsWithDisabilities #RDSP #DisabilityAwareness #FinancialInclusion #CarolinaHenao #LUCEMFinancialSolutions #FinancialPlanning #WealthWithHeart
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What story did your money tell this year — peace or pressure?
Most people think financial literacy is about knowing products… but it’s really about knowing yourself.
Your habits, your goals, your patterns.
Here’s something most Ontarians don’t realize:
👉 Nearly 60% don’t have a written financial plan.
👉 Those who do are twice as confident about their future. (FP Canada, 2023)
So before the year ends, try this:
✨ Write down your short-term goals (6–12 months).
✨ Write your long-term goals (3–10 years).
✨ Review where your money actually went this year.
When your goals are written down, you can pivot with purpose — instead of reacting to stress or fear.
Your money story doesn’t need to be perfect. It just needs to be clear.
Because awareness gives you power, and power gives you peace.
I’m Carolina Henao, Founder of LUCEM Financial. Let’s have a conversation and see where you are headed. Link in Bio.
#FinancialLiteracy #MoneyMindset #OntarioFinance #CarolinaHenao #LUCEMFinancialSolutions #WomenInBusiness #FinancialPlanning
Most people think financial literacy is about knowing products… but it’s really about knowing yourself.
Your habits, your goals, your patterns.
Here’s something most Ontarians don’t realize:
👉 Nearly 60% don’t have a written financial plan.
👉 Those who do are twice as confident about their future. (FP Canada, 2023)
So before the year ends, try this:
✨ Write down your short-term goals (6–12 months).
✨ Write your long-term goals (3–10 years).
✨ Review where your money actually went this year.
When your goals are written down, you can pivot with purpose — instead of reacting to stress or fear.
Your money story doesn’t need to be perfect. It just needs to be clear.
Because awareness gives you power, and power gives you peace.
I’m Carolina Henao, Founder of LUCEM Financial. Let’s have a conversation and see where you are headed. Link in Bio.
#FinancialLiteracy #MoneyMindset #OntarioFinance #CarolinaHenao #LUCEMFinancialSolutions #WomenInBusiness #FinancialPlanning
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There’s never been a better time to consider permanent life or universal life insurance. Until December 31, you can save 4 months of payments on your first year of coverage with Sun Life. Interested? Let’s connect and chat more!
There’s never been a better time to consider permanent life or universal life insurance. Until December 31, you can save 4 months of payments on your first year of coverage with Sun Life. Interested? Let’s connect and chat more!
As the year winds down, think about the legacy you plan to leave. Your nest egg can nourish generations to come.
Consider a few legacy-building strategies:
-Review and update your estate plan 📄
-Explore tax-efficient wealth transfer options 💰
-Discuss your values and wishes with loved ones 💖
-Consider charitable giving strategies 🎁
-Evaluate the benefits of trusts for asset protection 🛡️
A well-crafted legacy plan isn't just about transferring wealth; it's about passing on your values, wisdom and vision for the future.
Let's connect and design a strategy that reflects your unique goals and aspirations. Your legacy is more than money.
Consider a few legacy-building strategies:
-Review and update your estate plan 📄
-Explore tax-efficient wealth transfer options 💰
-Discuss your values and wishes with loved ones 💖
-Consider charitable giving strategies 🎁
-Evaluate the benefits of trusts for asset protection 🛡️
A well-crafted legacy plan isn't just about transferring wealth; it's about passing on your values, wisdom and vision for the future.
Let's connect and design a strategy that reflects your unique goals and aspirations. Your legacy is more than money.
As the year winds down, think about the legacy you plan to leave. Your nest egg can nourish generations to come.
Consider a few legacy-building strategies:
-Review and update your estate plan 📄
-Explore tax-efficient wealth transfer options 💰
-Discuss your values and wishes with loved ones 💖
-Consider charitable giving strategies 🎁
-Evaluate the benefits of trusts for asset protection 🛡️
A well-crafted legacy plan isn't just about transferring wealth; it's about passing on your values, wisdom and vision for the future.
Let's connect and design a strategy that reflects your unique goals and aspirations. Your legacy is more than money.
Consider a few legacy-building strategies:
-Review and update your estate plan 📄
-Explore tax-efficient wealth transfer options 💰
-Discuss your values and wishes with loved ones 💖
-Consider charitable giving strategies 🎁
-Evaluate the benefits of trusts for asset protection 🛡️
A well-crafted legacy plan isn't just about transferring wealth; it's about passing on your values, wisdom and vision for the future.
Let's connect and design a strategy that reflects your unique goals and aspirations. Your legacy is more than money.
Tax season is right around the corner.
✅ Gather all income documents (T4s, T5s, etc.)
✅ Collect receipts for deductible expenses
✅ Review last year's tax return
✅ Check for unused credits or deductions
✅ Consider RRSP contributions before the deadline — there's still time!
Let's connect to explore how solutions like RRSPs, TFSAs or RESPs can potentially reduce your tax burden and boost your long-term financial wellbeing.
Questions about tax-efficient investing or retirement planning? Get in touch about tax season and beyond.
✅ Gather all income documents (T4s, T5s, etc.)
✅ Collect receipts for deductible expenses
✅ Review last year's tax return
✅ Check for unused credits or deductions
✅ Consider RRSP contributions before the deadline — there's still time!
Let's connect to explore how solutions like RRSPs, TFSAs or RESPs can potentially reduce your tax burden and boost your long-term financial wellbeing.
Questions about tax-efficient investing or retirement planning? Get in touch about tax season and beyond.
Tax season is right around the corner.
✅ Gather all income documents (T4s, T5s, etc.)
✅ Collect receipts for deductible expenses
✅ Review last year's tax return
✅ Check for unused credits or deductions
✅ Consider RRSP contributions before the deadline — there's still time!
Let's connect to explore how solutions like RRSPs, TFSAs or RESPs can potentially reduce your tax burden and boost your long-term financial wellbeing.
Questions about tax-efficient investing or retirement planning? Get in touch about tax season and beyond.
✅ Gather all income documents (T4s, T5s, etc.)
✅ Collect receipts for deductible expenses
✅ Review last year's tax return
✅ Check for unused credits or deductions
✅ Consider RRSP contributions before the deadline — there's still time!
Let's connect to explore how solutions like RRSPs, TFSAs or RESPs can potentially reduce your tax burden and boost your long-term financial wellbeing.
Questions about tax-efficient investing or retirement planning? Get in touch about tax season and beyond.
💖 Frugality isn’t the goal. Freedom is.
I met a woman earning over $200K a year who whispered, “I feel guilty every time I spend on myself.”
We built a plan that covered her needs, protected her future, and gave her permission to enjoy her life.
Because abundance isn’t about hoarding—it’s about alignment.
✨ When your financial plan is grounded, joy becomes guilt-free.
Book the trip. Take the spa day. You’ve earned it.
💬 Follow me for holistic strategies that blend growth, protection, and joy.
#AbundanceMindset #WealthWithHeart #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions
I met a woman earning over $200K a year who whispered, “I feel guilty every time I spend on myself.”
We built a plan that covered her needs, protected her future, and gave her permission to enjoy her life.
Because abundance isn’t about hoarding—it’s about alignment.
✨ When your financial plan is grounded, joy becomes guilt-free.
Book the trip. Take the spa day. You’ve earned it.
💬 Follow me for holistic strategies that blend growth, protection, and joy.
#AbundanceMindset #WealthWithHeart #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions
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🍁 November is Diabetes Awareness Month
Did you know? If you're living with diabetes, you may qualify for the Disability Tax Credit (DTC). It can help ease the financial burden of managing your health.
-It's a non-refundable tax credit
-It can be retroactively claimed for up to 10 years
Learn more about qualifying: https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/do-you-qualify-for-the-disability-tax-credit/
Questions about how the DTC or other financial solutions can support your health journey? Let's connect!
#DiabetesAwareness #DiabetesAwarenessMonth
Did you know? If you're living with diabetes, you may qualify for the Disability Tax Credit (DTC). It can help ease the financial burden of managing your health.
-It's a non-refundable tax credit
-It can be retroactively claimed for up to 10 years
Learn more about qualifying: https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/do-you-qualify-for-the-disability-tax-credit/
Questions about how the DTC or other financial solutions can support your health journey? Let's connect!
#DiabetesAwareness #DiabetesAwarenessMonth
🍁 November is Diabetes Awareness Month
Did you know? If you're living with diabetes, you may qualify for the Disability Tax Credit (DTC). It can help ease the financial burden of managing your health.
-It's a non-refundable tax credit
-It can be retroactively claimed for up to 10 years
Learn more about qualifying: https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/do-you-qualify-for-the-disability-tax-credit/
Questions about how the DTC or other financial solutions can support your health journey? Let's connect!
#DiabetesAwareness #DiabetesAwarenessMonth
Did you know? If you're living with diabetes, you may qualify for the Disability Tax Credit (DTC). It can help ease the financial burden of managing your health.
-It's a non-refundable tax credit
-It can be retroactively claimed for up to 10 years
Learn more about qualifying: https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/do-you-qualify-for-the-disability-tax-credit/
Questions about how the DTC or other financial solutions can support your health journey? Let's connect!
#DiabetesAwareness #DiabetesAwarenessMonth
💔 Divorce doesn’t just change your life—it reshapes your entire financial world.
I’ve seen it so many times: women left overwhelmed, unsure what’s theirs or what comes next.
The first step is clarity. From there, confidence and independence begin to grow.
Because money isn’t just survival—it’s self-respect, stability, and healing.
Your new chapter deserves a new plan.
💬 Follow me for heart-centered strategies to rebuild with clarity and confidence.
Or call me to begin a conversation about how to bring more joy into your money! Link In Bio.
#DivorceSupport #WomenAndWealth #FinancialEmpowerment #CarolinaHenao #LUCEMFinancialSolutions
I’ve seen it so many times: women left overwhelmed, unsure what’s theirs or what comes next.
The first step is clarity. From there, confidence and independence begin to grow.
Because money isn’t just survival—it’s self-respect, stability, and healing.
Your new chapter deserves a new plan.
💬 Follow me for heart-centered strategies to rebuild with clarity and confidence.
Or call me to begin a conversation about how to bring more joy into your money! Link In Bio.
#DivorceSupport #WomenAndWealth #FinancialEmpowerment #CarolinaHenao #LUCEMFinancialSolutions
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On this Remembrance Day, we honour the courage, service, and sacrifice of all who have defended peace and freedom -past and present.
May we never forget their legacy and always strive for a better, more peaceful world.
#RemembranceDay #LestWeForget #CanadaRemembers
May we never forget their legacy and always strive for a better, more peaceful world.
#RemembranceDay #LestWeForget #CanadaRemembers
On this Remembrance Day, we honour the courage, service, and sacrifice of all who have defended peace and freedom -past and present.
May we never forget their legacy and always strive for a better, more peaceful world.
#RemembranceDay #LestWeForget #CanadaRemembers
May we never forget their legacy and always strive for a better, more peaceful world.
#RemembranceDay #LestWeForget #CanadaRemembers
As the leaves change, maybe your tax strategy should as well.
Here's an autumn action plan to consider:
-Harvest tax losses to offset gains 📉
-Max out your TFSA contributions 💰
-Review your charitable giving strategy 🎁
-Explore income splitting opportunities 👥
-Consider prescribed rate loans for family members 💸
Don't leave your hard-earned finances to chance. Let's connect to create a personalized year-end tax optimization strategy that aligns with your current goals. Remember, small choices can have a big impact on your financial future. Reach out today.
#TaxPlanning #SunLifeCanada
Here's an autumn action plan to consider:
-Harvest tax losses to offset gains 📉
-Max out your TFSA contributions 💰
-Review your charitable giving strategy 🎁
-Explore income splitting opportunities 👥
-Consider prescribed rate loans for family members 💸
Don't leave your hard-earned finances to chance. Let's connect to create a personalized year-end tax optimization strategy that aligns with your current goals. Remember, small choices can have a big impact on your financial future. Reach out today.
#TaxPlanning #SunLifeCanada
As the leaves change, maybe your tax strategy should as well.
Here's an autumn action plan to consider:
-Harvest tax losses to offset gains 📉
-Max out your TFSA contributions 💰
-Review your charitable giving strategy 🎁
-Explore income splitting opportunities 👥
-Consider prescribed rate loans for family members 💸
Don't leave your hard-earned finances to chance. Let's connect to create a personalized year-end tax optimization strategy that aligns with your current goals. Remember, small choices can have a big impact on your financial future. Reach out today.
#TaxPlanning #SunLifeCanada
Here's an autumn action plan to consider:
-Harvest tax losses to offset gains 📉
-Max out your TFSA contributions 💰
-Review your charitable giving strategy 🎁
-Explore income splitting opportunities 👥
-Consider prescribed rate loans for family members 💸
Don't leave your hard-earned finances to chance. Let's connect to create a personalized year-end tax optimization strategy that aligns with your current goals. Remember, small choices can have a big impact on your financial future. Reach out today.
#TaxPlanning #SunLifeCanada
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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.