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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.
Making a lot of money is one thing, but ensuring it lasts a lifetime is another.
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat.
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat.
Making a lot of money is one thing, but ensuring it lasts a lifetime is another.
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat.
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat.
Q4 is where small adjustments can mean big savings.
One client restructured her investments and debt before year-end — saving $40,000 in taxes and interest for next year.
Don’t wait until January to realize what you could have done. The clock is ticking.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#Q4Planning #YearEndPlanning #CanadianFinance #BusinessFinanceTips #WealthProtection #MoneyMatters #TaxPlanning #InvestmentStrategies #FinancialFreedom #FinancialAdvisorCanada #TorontoFinance
#CarolinaHenao
#LUCEMFinancial
One client restructured her investments and debt before year-end — saving $40,000 in taxes and interest for next year.
Don’t wait until January to realize what you could have done. The clock is ticking.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#Q4Planning #YearEndPlanning #CanadianFinance #BusinessFinanceTips #WealthProtection #MoneyMatters #TaxPlanning #InvestmentStrategies #FinancialFreedom #FinancialAdvisorCanada #TorontoFinance
#CarolinaHenao
#LUCEMFinancial
Q4 is where small adjustments can mean big savings.
One client restructured her investments and debt before year-end — saving $40,000 in taxes and interest for next year.
Don’t wait until January to realize what you could have done. The clock is ticking.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#Q4Planning #YearEndPlanning #CanadianFinance #BusinessFinanceTips #WealthProtection #MoneyMatters #TaxPlanning #InvestmentStrategies #FinancialFreedom #FinancialAdvisorCanada #TorontoFinance
#CarolinaHenao
#LUCEMFinancial
One client restructured her investments and debt before year-end — saving $40,000 in taxes and interest for next year.
Don’t wait until January to realize what you could have done. The clock is ticking.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#Q4Planning #YearEndPlanning #CanadianFinance #BusinessFinanceTips #WealthProtection #MoneyMatters #TaxPlanning #InvestmentStrategies #FinancialFreedom #FinancialAdvisorCanada #TorontoFinance
#CarolinaHenao
#LUCEMFinancial
A couple with a household income of $200k versus a family of 4 with a household income of $90k shouldn’t follow the same financial advice.
A financial roadmap should be as unique as you are. Reach out for advice that looks at the full picture.
A financial roadmap should be as unique as you are. Reach out for advice that looks at the full picture.
A couple with a household income of $200k versus a family of 4 with a household income of $90k shouldn’t follow the same financial advice.
A financial roadmap should be as unique as you are. Reach out for advice that looks at the full picture.
A financial roadmap should be as unique as you are. Reach out for advice that looks at the full picture.
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
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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Even high earners can fall into this trap: letting lifestyle creep eat away at wealth.
I’m Carolina Henao, Certified Financial Planner. I help you identify blind spots and create strategies so your income translates into lasting wealth.
#FinancialBlindSpots #WealthPlanning #CanadianProfessionals #MoneyMindset #WomenInFinance #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
I’m Carolina Henao, Certified Financial Planner. I help you identify blind spots and create strategies so your income translates into lasting wealth.
#FinancialBlindSpots #WealthPlanning #CanadianProfessionals #MoneyMindset #WomenInFinance #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
Even high earners can fall into this trap: letting lifestyle creep eat away at wealth.
I’m Carolina Henao, Certified Financial Planner. I help you identify blind spots and create strategies so your income translates into lasting wealth.
#FinancialBlindSpots #WealthPlanning #CanadianProfessionals #MoneyMindset #WomenInFinance #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
I’m Carolina Henao, Certified Financial Planner. I help you identify blind spots and create strategies so your income translates into lasting wealth.
#FinancialBlindSpots #WealthPlanning #CanadianProfessionals #MoneyMindset #WomenInFinance #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
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.
Learn more in this article.
You’ve invested your time, energy, and money into your business. But what happens if the unexpected strikes?
Diversifying outside your business isn’t optional — it’s essential.
I’ve helped business owners protect their wealth so the “IF” doesn’t take everything with it.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#CarolinaHenao
#LUCEMFinancial
#BusinessOwnerTips #WealthProtection #SuccessionPlanning #FinancialSecurity #CanadianFinance #BusinessExitStrategy #WealthManagement #FinancialAdvisorCanada #EntrepreneurLifeCanada
Diversifying outside your business isn’t optional — it’s essential.
I’ve helped business owners protect their wealth so the “IF” doesn’t take everything with it.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#CarolinaHenao
#LUCEMFinancial
#BusinessOwnerTips #WealthProtection #SuccessionPlanning #FinancialSecurity #CanadianFinance #BusinessExitStrategy #WealthManagement #FinancialAdvisorCanada #EntrepreneurLifeCanada
You’ve invested your time, energy, and money into your business. But what happens if the unexpected strikes?
Diversifying outside your business isn’t optional — it’s essential.
I’ve helped business owners protect their wealth so the “IF” doesn’t take everything with it.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#CarolinaHenao
#LUCEMFinancial
#BusinessOwnerTips #WealthProtection #SuccessionPlanning #FinancialSecurity #CanadianFinance #BusinessExitStrategy #WealthManagement #FinancialAdvisorCanada #EntrepreneurLifeCanada
Diversifying outside your business isn’t optional — it’s essential.
I’ve helped business owners protect their wealth so the “IF” doesn’t take everything with it.
My name is Carolina Henao. I’m a Certified Financial Planner with over 17 years of experience guiding professionals and business owners toward their financial goals.
Let’s chat. Book your call using the link in my bio, or DM me your question directly.
#CarolinaHenao
#LUCEMFinancial
#BusinessOwnerTips #WealthProtection #SuccessionPlanning #FinancialSecurity #CanadianFinance #BusinessExitStrategy #WealthManagement #FinancialAdvisorCanada #EntrepreneurLifeCanada
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
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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When juggling many different assets, you need a strong plan in place.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
When juggling many different assets, you need a strong plan in place.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
With rates bouncing up and down, many people feel stuck.
The answer isn’t one-size-fits-all — it depends on your debt type, investment horizon, and cash flow needs.
I’m Carolina Henao, Certified Financial Planner with over 17 years guiding Canadians to make confident, profitable money decisions.
Book your call via my bio or DM me with your questions.
#InterestRatesCanada #DebtOrInvest #FinancialPlanning #SmartMoneyMoves #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
The answer isn’t one-size-fits-all — it depends on your debt type, investment horizon, and cash flow needs.
I’m Carolina Henao, Certified Financial Planner with over 17 years guiding Canadians to make confident, profitable money decisions.
Book your call via my bio or DM me with your questions.
#InterestRatesCanada #DebtOrInvest #FinancialPlanning #SmartMoneyMoves #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
With rates bouncing up and down, many people feel stuck.
The answer isn’t one-size-fits-all — it depends on your debt type, investment horizon, and cash flow needs.
I’m Carolina Henao, Certified Financial Planner with over 17 years guiding Canadians to make confident, profitable money decisions.
Book your call via my bio or DM me with your questions.
#InterestRatesCanada #DebtOrInvest #FinancialPlanning #SmartMoneyMoves #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
The answer isn’t one-size-fits-all — it depends on your debt type, investment horizon, and cash flow needs.
I’m Carolina Henao, Certified Financial Planner with over 17 years guiding Canadians to make confident, profitable money decisions.
Book your call via my bio or DM me with your questions.
#InterestRatesCanada #DebtOrInvest #FinancialPlanning #SmartMoneyMoves #FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
⚠️ SCAM ALERT ⚠️
Someone created a fake account using my name and photo. Please be aware:
❌ I will NEVER ask you for money.
❌ I will NEVER ask you to join WhatsApp, Telegram, or any other chat group.
✅ My ONLY official account is 👉 @Carolinahenaosl
If you see this account, please report & block it immediately.
Thank you for helping me keep our community safe
Someone created a fake account using my name and photo. Please be aware:
❌ I will NEVER ask you for money.
❌ I will NEVER ask you to join WhatsApp, Telegram, or any other chat group.
✅ My ONLY official account is 👉 @Carolinahenaosl
If you see this account, please report & block it immediately.
Thank you for helping me keep our community safe
⚠️ SCAM ALERT ⚠️
Someone created a fake account using my name and photo. Please be aware:
❌ I will NEVER ask you for money.
❌ I will NEVER ask you to join WhatsApp, Telegram, or any other chat group.
✅ My ONLY official account is 👉 @Carolinahenaosl
If you see this account, please report & block it immediately.
Thank you for helping me keep our community safe
Someone created a fake account using my name and photo. Please be aware:
❌ I will NEVER ask you for money.
❌ I will NEVER ask you to join WhatsApp, Telegram, or any other chat group.
✅ My ONLY official account is 👉 @Carolinahenaosl
If you see this account, please report & block it immediately.
Thank you for helping me keep our community safe
It’s easy to overspend when you don’t track your monthly finances. Here are a few common spending triggers that can cause us to buy non-essential items:
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
It’s easy to overspend when you don’t track your monthly finances. Here are a few common spending triggers that can cause us to buy non-essential items:
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
💡 I know — every “finance 101” book says, pay off your debt first.
But here’s the truth: sometimes that advice can cost you wealth in the long run.
📌 Here are 3 situations where breaking that rule makes sense:
1️⃣ When your debt interest rate is lower than your investment return potential (Think: mortgage at 2.5%, investments averaging 6-8%)."The mortgage rate and investment return percentages are for sample purposes only".
2️⃣ When you have no emergency fund — without one, one bad month can force you back into higher debt.
3️⃣ When your employer offers a high-match retirement plan or group benefits — that’s free money you’re missing out on.
We’re entering Q4. The economy’s shifting fast. Tariff hikes, interest rate pivots, and inflation mean your money has to be strategic, not just “by the book.”
📞 Let’s talk about how to make the smartest move with your cash flow — now, not someday.
#FinancialPlanning #SmartMoneyMoves #LUCEMFinancial
But here’s the truth: sometimes that advice can cost you wealth in the long run.
📌 Here are 3 situations where breaking that rule makes sense:
1️⃣ When your debt interest rate is lower than your investment return potential (Think: mortgage at 2.5%, investments averaging 6-8%)."The mortgage rate and investment return percentages are for sample purposes only".
2️⃣ When you have no emergency fund — without one, one bad month can force you back into higher debt.
3️⃣ When your employer offers a high-match retirement plan or group benefits — that’s free money you’re missing out on.
We’re entering Q4. The economy’s shifting fast. Tariff hikes, interest rate pivots, and inflation mean your money has to be strategic, not just “by the book.”
📞 Let’s talk about how to make the smartest move with your cash flow — now, not someday.
#FinancialPlanning #SmartMoneyMoves #LUCEMFinancial
💡 I know — every “finance 101” book says, pay off your debt first.
But here’s the truth: sometimes that advice can cost you wealth in the long run.
📌 Here are 3 situations where breaking that rule makes sense:
1️⃣ When your debt interest rate is lower than your investment return potential (Think: mortgage at 2.5%, investments averaging 6-8%)."The mortgage rate and investment return percentages are for sample purposes only".
2️⃣ When you have no emergency fund — without one, one bad month can force you back into higher debt.
3️⃣ When your employer offers a high-match retirement plan or group benefits — that’s free money you’re missing out on.
We’re entering Q4. The economy’s shifting fast. Tariff hikes, interest rate pivots, and inflation mean your money has to be strategic, not just “by the book.”
📞 Let’s talk about how to make the smartest move with your cash flow — now, not someday.
#FinancialPlanning #SmartMoneyMoves #LUCEMFinancial
But here’s the truth: sometimes that advice can cost you wealth in the long run.
📌 Here are 3 situations where breaking that rule makes sense:
1️⃣ When your debt interest rate is lower than your investment return potential (Think: mortgage at 2.5%, investments averaging 6-8%)."The mortgage rate and investment return percentages are for sample purposes only".
2️⃣ When you have no emergency fund — without one, one bad month can force you back into higher debt.
3️⃣ When your employer offers a high-match retirement plan or group benefits — that’s free money you’re missing out on.
We’re entering Q4. The economy’s shifting fast. Tariff hikes, interest rate pivots, and inflation mean your money has to be strategic, not just “by the book.”
📞 Let’s talk about how to make the smartest move with your cash flow — now, not someday.
#FinancialPlanning #SmartMoneyMoves #LUCEMFinancial
You’ve spent decades building your business.
Your kids don’t want it.
Retirement is calling.
🚨 Here’s the trap: sell without a tax-efficient strategy, and up to 27% of your sale price in Ontario could disappear into taxes.
Each situation is unique, but by evaluating different strategies, looking at restructuring your assets, and working along with your accountant and lawyer, you can save a significant amount of taxes.
Your legacy deserves to stay with you — not disappear into the CRA’s pocket.
Let’s make sure the sale you’ve worked your life for actually funds the retirement you’ve dreamed of.
Book a complimentary discovery call and let's see what is possible for your business and how we can elevate your team today!
#BusinessSale #TaxPlanning #WealthPreservation #LUCEMfinancial #CarolinaHenao #SmartMoney
Your kids don’t want it.
Retirement is calling.
🚨 Here’s the trap: sell without a tax-efficient strategy, and up to 27% of your sale price in Ontario could disappear into taxes.
Each situation is unique, but by evaluating different strategies, looking at restructuring your assets, and working along with your accountant and lawyer, you can save a significant amount of taxes.
Your legacy deserves to stay with you — not disappear into the CRA’s pocket.
Let’s make sure the sale you’ve worked your life for actually funds the retirement you’ve dreamed of.
Book a complimentary discovery call and let's see what is possible for your business and how we can elevate your team today!
#BusinessSale #TaxPlanning #WealthPreservation #LUCEMfinancial #CarolinaHenao #SmartMoney
Watch video
✨ Divorce. Career shifts. Loss. Motherhood.
Different chapters, same thread: your financial world changes overnight.
One of my clients came to me right after her divorce. She was exhausted, overwhelmed, and scared of what her financial future might look like on her own. She told me: “I don’t even know where to start. All I see are bills, uncertainty, and the weight of doing this alone.”
Together, we rebuilt her plan. We looked at the big picture—her assets, her goals, her responsibilities—and step by step, we created a roadmap that gave her not only security, but freedom.
👉 And the truth is, it wasn’t just about money.
It was about reclaiming her confidence.
It was about knowing she could stand on her own two feet.
It was about turning fear into clarity.
That’s what financial empowerment really is.
If you’re navigating divorce, loss, a career change, or a big life transition—know this: you don’t have to figure it out alone. There’s a way forward, and it starts with a conversation.
💬 Book a free, no-pressure call with me. Let’s take the weight off your shoulders and build your next chapter with confidence.
—
#FinancialEmpowerment #WomenAndWealth #DivorceSupport #CarolinaHenao #LUCEMFinancialSolutions
Different chapters, same thread: your financial world changes overnight.
One of my clients came to me right after her divorce. She was exhausted, overwhelmed, and scared of what her financial future might look like on her own. She told me: “I don’t even know where to start. All I see are bills, uncertainty, and the weight of doing this alone.”
Together, we rebuilt her plan. We looked at the big picture—her assets, her goals, her responsibilities—and step by step, we created a roadmap that gave her not only security, but freedom.
👉 And the truth is, it wasn’t just about money.
It was about reclaiming her confidence.
It was about knowing she could stand on her own two feet.
It was about turning fear into clarity.
That’s what financial empowerment really is.
If you’re navigating divorce, loss, a career change, or a big life transition—know this: you don’t have to figure it out alone. There’s a way forward, and it starts with a conversation.
💬 Book a free, no-pressure call with me. Let’s take the weight off your shoulders and build your next chapter with confidence.
—
#FinancialEmpowerment #WomenAndWealth #DivorceSupport #CarolinaHenao #LUCEMFinancialSolutions
Watch video
In Ontario, 8 out of 10 employees say they’d choose strong benefits over a higher paycheck.
Why?
Because in 2025, a dental bill can set you back $2,000. A prescription? $150 a month, easy.
For small business owners, this isn’t a “nice to have” anymore — it’s a retention strategy! A smart one.
And here’s the kicker: group benefits are often more affordable than you think.
I recently helped a client structure a plan for her tiny team — she thought it would bankrupt her, but it ended up saving her thousands in turnover costs.
You want to scale your business? You can’t afford not to offer benefits.
Book a complimentary discovery call and let's see what is possible for your business and how we can elevate your team today!
#SmallBusinessOntario #GroupBenefits #EmployeeRetention
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
Why?
Because in 2025, a dental bill can set you back $2,000. A prescription? $150 a month, easy.
For small business owners, this isn’t a “nice to have” anymore — it’s a retention strategy! A smart one.
And here’s the kicker: group benefits are often more affordable than you think.
I recently helped a client structure a plan for her tiny team — she thought it would bankrupt her, but it ended up saving her thousands in turnover costs.
You want to scale your business? You can’t afford not to offer benefits.
Book a complimentary discovery call and let's see what is possible for your business and how we can elevate your team today!
#SmallBusinessOntario #GroupBenefits #EmployeeRetention
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
In Ontario, 8 out of 10 employees say they’d choose strong benefits over a higher paycheck.
Why?
Because in 2025, a dental bill can set you back $2,000. A prescription? $150 a month, easy.
For small business owners, this isn’t a “nice to have” anymore — it’s a retention strategy! A smart one.
And here’s the kicker: group benefits are often more affordable than you think.
I recently helped a client structure a plan for her tiny team — she thought it would bankrupt her, but it ended up saving her thousands in turnover costs.
You want to scale your business? You can’t afford not to offer benefits.
Book a complimentary discovery call and let's see what is possible for your business and how we can elevate your team today!
#SmallBusinessOntario #GroupBenefits #EmployeeRetention
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
Why?
Because in 2025, a dental bill can set you back $2,000. A prescription? $150 a month, easy.
For small business owners, this isn’t a “nice to have” anymore — it’s a retention strategy! A smart one.
And here’s the kicker: group benefits are often more affordable than you think.
I recently helped a client structure a plan for her tiny team — she thought it would bankrupt her, but it ended up saving her thousands in turnover costs.
You want to scale your business? You can’t afford not to offer benefits.
Book a complimentary discovery call and let's see what is possible for your business and how we can elevate your team today!
#SmallBusinessOntario #GroupBenefits #EmployeeRetention
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
Apply for life or critical illness insurance and you can enter Sun Life’s Diabetes Protect to Win Contest! You could win $5,000, plus Sun Life will donate $5,000 to diabetes charities with each draw. Reach out and we can discuss your protection needs!
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
Apply for life or critical illness insurance and you can enter Sun Life’s Diabetes Protect to Win Contest! You could win $5,000, plus Sun Life will donate $5,000 to diabetes charities with each draw. Reach out and we can discuss your protection needs!
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
🚨 You don’t have to wait for a crisis to wonder if your financial world is safe.
👉 If you’ve ever felt that quiet fear—Am I being proactive enough? Am I protecting my family? Am I building a legacy that lasts?—this is for you.
💔 One of my clients built a business with her husband, brick by brick. Years of energy, sacrifice, and dreams. And then—one day—he was gone.
In an instant, she wasn’t just grieving the loss of her husband. She was staring at contracts, payroll, and financial questions she never imagined she’d face alone.
She told me: “I don’t even know what’s mine, what’s his, or what’s next.”
Together, we untangled it all. We created a roadmap that gave her stability in the middle of heartbreak. Step by step, she went from fear and overwhelm to clarity and confidence.
✨ Here’s the truth: financial planning isn’t only about scaling your business and celebrating wins. It’s also about being prepared for the chapters you hope never come—the ones that test everything you thought you could handle.
My passion is helping women not only thrive in moments of success, but also feel secure and prepared when life forces us to face our deepest fears.
💬 Let’s talk. A free, no-pressure conversation could be the peace of mind you’ve been waiting for. Link in BIO.
—
#FinancialEmpowerment #WomenInBusiness #LegacyPlanning #CarolinaHenao #LUCEMFinancialSolutions
👉 If you’ve ever felt that quiet fear—Am I being proactive enough? Am I protecting my family? Am I building a legacy that lasts?—this is for you.
💔 One of my clients built a business with her husband, brick by brick. Years of energy, sacrifice, and dreams. And then—one day—he was gone.
In an instant, she wasn’t just grieving the loss of her husband. She was staring at contracts, payroll, and financial questions she never imagined she’d face alone.
She told me: “I don’t even know what’s mine, what’s his, or what’s next.”
Together, we untangled it all. We created a roadmap that gave her stability in the middle of heartbreak. Step by step, she went from fear and overwhelm to clarity and confidence.
✨ Here’s the truth: financial planning isn’t only about scaling your business and celebrating wins. It’s also about being prepared for the chapters you hope never come—the ones that test everything you thought you could handle.
My passion is helping women not only thrive in moments of success, but also feel secure and prepared when life forces us to face our deepest fears.
💬 Let’s talk. A free, no-pressure conversation could be the peace of mind you’ve been waiting for. Link in BIO.
—
#FinancialEmpowerment #WomenInBusiness #LegacyPlanning #CarolinaHenao #LUCEMFinancialSolutions
Watch video
Every September, I see the same story: higher grocery bills, school fees, kids’ activities… and a bank balance that feels tighter than it should.
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
Every September, I see the same story: higher grocery bills, school fees, kids’ activities… and a bank balance that feels tighter than it should.
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
One of my clients thought the only way to handle it was to pull from her investments. Instead, we restructured her monthly cash flow and freed up over $1,000/month without cutting a single thing her family valued.
The truth is, most people are paying more than they need to — not because of inflation alone, but because their money isn’t being directed with intention.
This is where strategy beats stress.
Want to know what that could look like for you?
My name is Carolina Henao. I'm a Certified Financial Planner and I have spent over 17 years guiding and supporting professionals and business owners reach their success and financial goals.
Let’s chat. Book your a call with me using the link in Bio.
#FinancialPlanning
#LUCEMFinancial
#CarolinaHenao
#FinancialAdvisorCanada
#MoneyStrategy
#BusinessFinanceTips
#SmartMoneyMoves
#WomenAndWealth
#FinancialLiteracyCanada
#MoneyConfidence
#SmallBusinessFinance
#RetirementPlanning
If you’re a high earner, you may have noticed you’re paying a lot at tax time. The good news is there may be a way to reduce your tax burden.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
If you’re a high earner, you may have noticed you’re paying a lot at tax time. The good news is there may be a way to reduce your tax burden.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.
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.