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💔 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
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
A parent passes away, and instead of peace, the family is left in chaos.
No Will. Just confusion.
Wealth without a plan can quickly become a burden.
That’s why I always tell my clients: you don’t just need a financial planner—you need a team!
Your accountant, lawyer, and I should all work together so everything aligns and your family is protected.
✨ Money is love in action. Planning ahead is one of the purest ways to care for those you love most.
💬 Follow me for holistic planning that turns wealth into legacy, not stress.
#LegacyPlanning #WealthManagement #WomenInFinance #CarolinaHenao #LUCEMFinancialSolutions
No Will. Just confusion.
Wealth without a plan can quickly become a burden.
That’s why I always tell my clients: you don’t just need a financial planner—you need a team!
Your accountant, lawyer, and I should all work together so everything aligns and your family is protected.
✨ Money is love in action. Planning ahead is one of the purest ways to care for those you love most.
💬 Follow me for holistic planning that turns wealth into legacy, not stress.
#LegacyPlanning #WealthManagement #WomenInFinance #CarolinaHenao #LUCEMFinancialSolutions
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Financial literacy isn't just about understanding money — it's about making informed decisions for a brighter financial future.
November is the ideal time to focus on:
• Building a strong financial foundation
• Understanding investment basics
• Planning for long-term goals
Want to improve your financial literacy? Let's connect to explore how you can achieve your financial goals.
You can also learn more about your money habits here >> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
November is the ideal time to focus on:
• Building a strong financial foundation
• Understanding investment basics
• Planning for long-term goals
Want to improve your financial literacy? Let's connect to explore how you can achieve your financial goals.
You can also learn more about your money habits here >> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
⏳ Retirement isn’t about stopping work—it’s about having the choice to.
I hear this all the time: “Carolina, I don’t want to stop working—I just don’t want to have to.”
Most people save, but they don’t strategize.
We build plans that combine tax efficiency, investments, and protection—so your wealth supports your freedom, not your fear.
✨ Money is energy. When it’s aligned, it gives you peace, joy, and choice.
Connect with me for holistic planning that makes retirement about freedom—not fear. Link in Bio for free call!
#RetirementPlanning #FinancialFreedom #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions
I hear this all the time: “Carolina, I don’t want to stop working—I just don’t want to have to.”
Most people save, but they don’t strategize.
We build plans that combine tax efficiency, investments, and protection—so your wealth supports your freedom, not your fear.
✨ Money is energy. When it’s aligned, it gives you peace, joy, and choice.
Connect with me for holistic planning that makes retirement about freedom—not fear. Link in Bio for free call!
#RetirementPlanning #FinancialFreedom #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions
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Money isn’t just numbers in an account—it’s energy.
Every dollar is a decision: to protect, to create, to show love for yourself and your family.
When you align your financial plan with your values, your money stops being a stressor and becomes a flow of abundance.
✨ Wealth is not just about accumulation. It’s about harmony, energy, and intention.
?What energy do you want your money to carry into your life right now?
Follow for more holistic planning that aligns your money with your purpose. And if you are ready book a call with me to begin making your wealth as source of Joy!
#LUCEM #CarolinaHenao #Financialplanner #Makingyourmoneyworkforyou #wealthandhealth
Every dollar is a decision: to protect, to create, to show love for yourself and your family.
When you align your financial plan with your values, your money stops being a stressor and becomes a flow of abundance.
✨ Wealth is not just about accumulation. It’s about harmony, energy, and intention.
?What energy do you want your money to carry into your life right now?
Follow for more holistic planning that aligns your money with your purpose. And if you are ready book a call with me to begin making your wealth as source of Joy!
#LUCEM #CarolinaHenao #Financialplanner #Makingyourmoneyworkforyou #wealthandhealth
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POV: You’re Zeus, the family dog who suddenly found himself dressed as a pirate for Halloween. 🏴☠️
(You can practically hear him asking: “How did I get myself into this mess?”)
Truth is… that’s how a lot of people feel about their finances too.
👉 One day you look up and realize things are scattered.
👉 You’re not sure how you got here.
👉 And you’re definitely not sure how to get out.
The good news? Just like Zeus, you don’t have to stay stuck in the costume. With the right plan, you can get back to feeling like yourself again—confident, secure, and in control.
So while Zeus is stuck being our reluctant pirate this Halloween… you don’t have to be stuck in financial stress.
💬 Save this post, share it with a friend who will laugh at Zeus’s face, and reach out if you’re ready to get out of your own “mess.”
Link in Bio
https://advisor.sunlife.ca/lucem.financial/
—
#Halloween #MeetZeus #FinancialEmpowerment #CarolinaHenao #LUCEMFinancialSolutions #Financialplanning #Financialsuccessstrategies
(You can practically hear him asking: “How did I get myself into this mess?”)
Truth is… that’s how a lot of people feel about their finances too.
👉 One day you look up and realize things are scattered.
👉 You’re not sure how you got here.
👉 And you’re definitely not sure how to get out.
The good news? Just like Zeus, you don’t have to stay stuck in the costume. With the right plan, you can get back to feeling like yourself again—confident, secure, and in control.
So while Zeus is stuck being our reluctant pirate this Halloween… you don’t have to be stuck in financial stress.
💬 Save this post, share it with a friend who will laugh at Zeus’s face, and reach out if you’re ready to get out of your own “mess.”
Link in Bio
https://advisor.sunlife.ca/lucem.financial/
—
#Halloween #MeetZeus #FinancialEmpowerment #CarolinaHenao #LUCEMFinancialSolutions #Financialplanning #Financialsuccessstrategies
Don't let life's surprises put your biggest investment at risk. Discover how mortgage protection can help safeguard your family's future: https://www.sunlife.ca/en/insurance/mortgage-protection/
Help optimize your assets through tax-efficient strategies and maximize retirement benefits with a personalized financial roadmap. Are you ready to elevate your investment plans? Let's connect to create a strategy aligned with your current goals.
#WealthManagement #FinancialRoadmap
#WealthManagement #FinancialRoadmap
Nurture their dreams, cultivate their potential and grow their education fund. With an RESP you can watch your child's future bloom. From government grants to tax-sheltered growth, discover how RESPs can help your children's future flourish.
Learn more about RESPs: https://www.sunlife.ca/en/investments/resp/how-to-set-child-up-for-financial-success/
Learn more about RESPs: https://www.sunlife.ca/en/investments/resp/how-to-set-child-up-for-financial-success/
⏳ 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
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
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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
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
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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/
Try it out today >> https://www.sunlife.ca/en/tools-and-resources/tools-and-calculators/critical-illness-insurance-calculator/
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💡 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
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
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🍂 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
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
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✨ Today I celebrate another year of life, growth, and gratitude. Every challenge has taught me, every joy has lifted me, and every moment has shaped who I am today. I’m so thankful for the people, lessons, and opportunities that have filled my journey so far.
Here’s to stepping into this next chapter with hope, courage, and love. 💫
Here’s to stepping into this next chapter with hope, courage, and love. 💫
✨ 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
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
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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
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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.