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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.
Building wealth is about more than growing your money – it's about creating lasting financial security. 💖💰
Your financial wellbeing matters at every stage of life. Whether you're just starting out or well into your journey, now is the right time to take action.
Ready to connect? Let's work together to help you set achievable long-term wealth goals and build a brighter financial future.
Your financial wellbeing matters at every stage of life. Whether you're just starting out or well into your journey, now is the right time to take action.
Ready to connect? Let's work together to help you set achievable long-term wealth goals and build a brighter financial future.
Building wealth is about more than growing your money – it's about creating lasting financial security. 💖💰
Your financial wellbeing matters at every stage of life. Whether you're just starting out or well into your journey, now is the right time to take action.
Ready to connect? Let's work together to help you set achievable long-term wealth goals and build a brighter financial future.
Your financial wellbeing matters at every stage of life. Whether you're just starting out or well into your journey, now is the right time to take action.
Ready to connect? Let's work together to help you set achievable long-term wealth goals and build a brighter financial future.
Today isn’t just about romance.
It’s about the many forms love takes in our lives.
As a mother, I’ve learned that love shows up in care, boundaries, responsibility, and rest.
Happy Valentine’s Day to you, wherever you are and however you love. May it be gentle, grounded, and generous.
— Carolina
#ValentinesDay
#MotherhoodTruth
#LoveInAction
#GentleLeadership
#SelfCompassion
#WomenSupportingWomen
It’s about the many forms love takes in our lives.
As a mother, I’ve learned that love shows up in care, boundaries, responsibility, and rest.
Happy Valentine’s Day to you, wherever you are and however you love. May it be gentle, grounded, and generous.
— Carolina
#ValentinesDay
#MotherhoodTruth
#LoveInAction
#GentleLeadership
#SelfCompassion
#WomenSupportingWomen
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Legacy is not a someday conversation.
It’s being written in how you live, how you lead, and how you care for yourself and others—right now.
On February 26, I’ll be speaking at The Legacy Circle in Aurora alongside incredible women who are ready to reflect, connect, and consciously shape what they are building and leaving behind.
If this resonates, I would love for you to join us.
Link in bio to reserve your seat.
As women, we’ve been taught to build careers, families, and businesses.
But very few of us were ever taught how to intentionally build a legacy that includes financial wellbeing, personal presence, and the freedom to give without burning ourselves out.
As Maya Angelou said, people may forget what you said or did, but they will never forget how you made them feel.
That feeling—of safety, leadership, generosity, and grounded confidence—is legacy.
#TheLegacyCircle
#WomenAndWealth
#LegacyBuilding
#HolisticWealth
#WomenSupportingWomen
#LeadershipWithPurpose
#BuildYourLegacy
#LUCEMFinancial
#ElementalTruth
It’s being written in how you live, how you lead, and how you care for yourself and others—right now.
On February 26, I’ll be speaking at The Legacy Circle in Aurora alongside incredible women who are ready to reflect, connect, and consciously shape what they are building and leaving behind.
If this resonates, I would love for you to join us.
Link in bio to reserve your seat.
As women, we’ve been taught to build careers, families, and businesses.
But very few of us were ever taught how to intentionally build a legacy that includes financial wellbeing, personal presence, and the freedom to give without burning ourselves out.
As Maya Angelou said, people may forget what you said or did, but they will never forget how you made them feel.
That feeling—of safety, leadership, generosity, and grounded confidence—is legacy.
#TheLegacyCircle
#WomenAndWealth
#LegacyBuilding
#HolisticWealth
#WomenSupportingWomen
#LeadershipWithPurpose
#BuildYourLegacy
#LUCEMFinancial
#ElementalTruth
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February is Heart Health Month. Heart disease affects 1 in 12 Canadian adults – a reminder of why protecting both your health and your financial wellbeing matters.
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
February is Heart Health Month. Heart disease affects 1 in 12 Canadian adults – a reminder of why protecting both your health and your financial wellbeing matters.
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Paying more tax than necessary is not generosity.
It is often a sign of missing strategy.
Over time, poor tax planning quietly costs women their options, their energy, and their ability to give freely. What could have supported family, philanthropy, or peace of mind is lost to avoidable inefficiency.
Tax efficiency is not about gaming the system.
It is about understanding it well enough to make intentional decisions.
If you want tax season to feel empowering instead of draining, this is the conversation to have.
Link in Bio to book a free call with me, Carolina Henao.
#TaxEfficiency
#FinancialLeadership
#MoneyWithPurpose
#TaxSeasonCanada
#LUCEMFinancialSolutions
It is often a sign of missing strategy.
Over time, poor tax planning quietly costs women their options, their energy, and their ability to give freely. What could have supported family, philanthropy, or peace of mind is lost to avoidable inefficiency.
Tax efficiency is not about gaming the system.
It is about understanding it well enough to make intentional decisions.
If you want tax season to feel empowering instead of draining, this is the conversation to have.
Link in Bio to book a free call with me, Carolina Henao.
#TaxEfficiency
#FinancialLeadership
#MoneyWithPurpose
#TaxSeasonCanada
#LUCEMFinancialSolutions
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Life changes, goals evolve and your estate plan should too.
Whether navigating business succession, protecting family wealth or maximizing tax efficiency, we can help ensure your legacy reflects your current vision and helps protect what matters most.
Ready to review your plan? Reach out today. https://advisor.sunlife.ca/lucem.financial
Whether navigating business succession, protecting family wealth or maximizing tax efficiency, we can help ensure your legacy reflects your current vision and helps protect what matters most.
Ready to review your plan? Reach out today. https://advisor.sunlife.ca/lucem.financial
Life changes, goals evolve and your estate plan should too.
Whether navigating business succession, protecting family wealth or maximizing tax efficiency, we can help ensure your legacy reflects your current vision and helps protect what matters most.
Ready to review your plan? Reach out today. https://advisor.sunlife.ca/lucem.financial
Whether navigating business succession, protecting family wealth or maximizing tax efficiency, we can help ensure your legacy reflects your current vision and helps protect what matters most.
Ready to review your plan? Reach out today. https://advisor.sunlife.ca/lucem.financial
If you earn over six figures, your RRSP is not a checkbox.
It is one of the most powerful tools you have for protecting income, creating flexibility, and buying back future freedom.
Yet many either underuse it or contribute blindly, without understanding how it fits into a bigger strategy. Not because they aren’t smart, but because no one ever taught them to think holistically about money.
This is not about retirement someday.
This is about choice, resilience, and confidence today.
If you want your RRSP to work with your life instead of sitting quietly in the background, let’s talk.
I’m Carolina Henao, Founder of LUCEM Financial Let's have a REAL conversation.
#RRSPStrategy
#WomenAndWealth
#FinancialClarity
#TaxSmart
#WealthWithIntention
#LUCEMFinancialSolutions
It is one of the most powerful tools you have for protecting income, creating flexibility, and buying back future freedom.
Yet many either underuse it or contribute blindly, without understanding how it fits into a bigger strategy. Not because they aren’t smart, but because no one ever taught them to think holistically about money.
This is not about retirement someday.
This is about choice, resilience, and confidence today.
If you want your RRSP to work with your life instead of sitting quietly in the background, let’s talk.
I’m Carolina Henao, Founder of LUCEM Financial Let's have a REAL conversation.
#RRSPStrategy
#WomenAndWealth
#FinancialClarity
#TaxSmart
#WealthWithIntention
#LUCEMFinancialSolutions
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Dreaming big for your future? Let's talk about how we help turn those dreams into reality. Whether it's early retirement or a new business venture, let's create a strategy to get you there.
Reach out to start your journey!
Reach out to start your journey!
Dreaming big for your future? Let's talk about how we help turn those dreams into reality. Whether it's early retirement or a new business venture, let's create a strategy to get you there.
Reach out to start your journey!
Reach out to start your journey!
How are your health goals going? Remember, small steps can lead to big changes. Your insurance plan might offer resources to keep you on track. Let's review your coverage together.
How are your health goals going? Remember, small steps can lead to big changes. Your insurance plan might offer resources to keep you on track. Let's review your coverage together.
Explore how alternative investments can enhance your portfolio and potentially boost returns. Let's discuss strategies tailored to your risk tolerance and goals.
Explore how alternative investments can enhance your portfolio and potentially boost returns. Let's discuss strategies tailored to your risk tolerance and goals.
Why do so many of us struggle with saving, spending or even logging into our banking app? The truth is that our relationship with money is a lifelong journey: it often begins long before we open our first account.
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Why do so many of us struggle with saving, spending or even logging into our banking app? The truth is that our relationship with money is a lifelong journey: it often begins long before we open our first account.
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
“Insurance Reset: Start the Year Protected”
New year, new goals — but here’s one you might’ve missed: reviewing your protection plan.
Your insurance coverage — life, critical illness, disability, and group benefits — should grow with you.
Here’s a quick checklist:
✅ Update coverage to match your current income and responsibilities.
✅ Review beneficiaries — especially after marriage, divorce, or new family members.
✅ Don’t rely solely on employer benefits; they often don’t follow you when you move.
✅ Consider adding critical illness coverage — it provides a lump-sum payment if you face a major diagnosis, giving you time to heal without financial strain.
Protecting your wealth and wellbeing isn’t about fear — it’s about freedom.
Health is a currency of wealth, and peace of mind is part of prosperity.
I’m Carolina Henao, Founder of LUCEM Financial, lets review together :-)
#FinancialWellness #InsuranceReview #WomenAndWealth #CriticalIllness #CarolinaHenao #LUCEMFinancialSolutions #HealthIsWealth
New year, new goals — but here’s one you might’ve missed: reviewing your protection plan.
Your insurance coverage — life, critical illness, disability, and group benefits — should grow with you.
Here’s a quick checklist:
✅ Update coverage to match your current income and responsibilities.
✅ Review beneficiaries — especially after marriage, divorce, or new family members.
✅ Don’t rely solely on employer benefits; they often don’t follow you when you move.
✅ Consider adding critical illness coverage — it provides a lump-sum payment if you face a major diagnosis, giving you time to heal without financial strain.
Protecting your wealth and wellbeing isn’t about fear — it’s about freedom.
Health is a currency of wealth, and peace of mind is part of prosperity.
I’m Carolina Henao, Founder of LUCEM Financial, lets review together :-)
#FinancialWellness #InsuranceReview #WomenAndWealth #CriticalIllness #CarolinaHenao #LUCEMFinancialSolutions #HealthIsWealth
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January 24 is International Day of Education — a perfect reminder that knowledge is one of the greatest gifts we can give our children.
And in Canada, the government literally helps you do that!
The Registered Education Savings Plan (RESP) gives families:
✨ A 20% annual government match, up to $500 a year
✨ Up to $7,200 in total grants per child
✨ Tax-deferred growth of funds within the account
Yet less than half of eligible families fully maximize their contributions!
Opening an RESP isn’t just about tuition — it’s about creating opportunity.
It’s how love becomes legacy, and how your financial planning turns into education, independence, and confidence for the next generation.
I’m Carolina Henao, Founder of LUCEM Financial Let's have a REAL conversation about legacy and education.
#InternationalDayOfEducation #RESP #EducationPlanning #FinancialWellness #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions #LegacyBuilding
And in Canada, the government literally helps you do that!
The Registered Education Savings Plan (RESP) gives families:
✨ A 20% annual government match, up to $500 a year
✨ Up to $7,200 in total grants per child
✨ Tax-deferred growth of funds within the account
Yet less than half of eligible families fully maximize their contributions!
Opening an RESP isn’t just about tuition — it’s about creating opportunity.
It’s how love becomes legacy, and how your financial planning turns into education, independence, and confidence for the next generation.
I’m Carolina Henao, Founder of LUCEM Financial Let's have a REAL conversation about legacy and education.
#InternationalDayOfEducation #RESP #EducationPlanning #FinancialWellness #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions #LegacyBuilding
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Love winter sports? Make sure you're covered for the unexpected. From ski injuries to hockey mishaps, the right insurance can help you recover fast. Learn more about your options before you venture out. Let’s chat.
https://advisor.sunlife.ca/lucem.financial
https://advisor.sunlife.ca/lucem.financial
Love winter sports? Make sure you're covered for the unexpected. From ski injuries to hockey mishaps, the right insurance can help you recover fast. Learn more about your options before you venture out. Let’s chat.
https://advisor.sunlife.ca/lucem.financial
https://advisor.sunlife.ca/lucem.financial
Blue Monday and Bell Let’s Talk remind us how deeply our wellbeing and finances are connected.
Almost half of Canadians say money is their top source of stress — even above work and health.
And yet, most people try to carry that stress alone.
But here’s the truth: financial clarity is emotional clarity.
When you know what’s really happening with your money, your mind — and your body — start to relax.
Try this:
✨ Write down your accounts, bills, and goals — face facts, not fears.
✨ Automate payments to remove daily pressure.
✨ Talk to someone you trust to build a structure that brings calm, not chaos.
Because financial peace isn’t about being rich — it’s about feeling safe, grounded, and supported.
You don’t have to do it alone. 💛
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. ✨
Let's have a REAL conversation.
#BellLetsTalk #BlueMonday #FinancialWellness #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions #FinancialPeace #MentalHealthAwareness
Almost half of Canadians say money is their top source of stress — even above work and health.
And yet, most people try to carry that stress alone.
But here’s the truth: financial clarity is emotional clarity.
When you know what’s really happening with your money, your mind — and your body — start to relax.
Try this:
✨ Write down your accounts, bills, and goals — face facts, not fears.
✨ Automate payments to remove daily pressure.
✨ Talk to someone you trust to build a structure that brings calm, not chaos.
Because financial peace isn’t about being rich — it’s about feeling safe, grounded, and supported.
You don’t have to do it alone. 💛
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. ✨
Let's have a REAL conversation.
#BellLetsTalk #BlueMonday #FinancialWellness #WomenAndWealth #CarolinaHenao #LUCEMFinancialSolutions #FinancialPeace #MentalHealthAwareness
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Votre stratégie de placement est-elle prête pour 2026? Nous l’examinerons et apporterons les changements nécessaires pour que vous puissiez atteindre vos objectifs financiers, cette année et les suivantes. https://advisor.sunlife.ca/lucem.financial
Votre stratégie de placement est-elle prête pour 2026? Nous l’examinerons et apporterons les changements nécessaires pour que vous puissiez atteindre vos objectifs financiers, cette année et les suivantes. https://advisor.sunlife.ca/lucem.financial
New year, new contribution room — but where should you put your money first? 💰
Both RRSPs and TFSAs are brilliant tools, but they serve different purposes:
✅ RRSP – Tax-deductible today, taxable later. Great for high-income earners who want to lower their taxable income for the year.
✅ TFSA – No deduction upfront, but completely tax-free growth and withdrawals. Great for flexible savings and long-term freedom.
Quick math: if you earn $85,000 in Ontario, every $1,000 RRSP contribution can save you around $310 in taxes.
Use RRSPs for tax relief today.
Use TFSAs for freedom tomorrow.
Use both for balance and abundance.
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. ✨
Let's Connect!
DM or book a free call with me in the bio above.
#RRSP #TFSA #TaxPlanning #FinancialEducation #CarolinaHenao #LUCEMFinancialSolutions #WealthWithHeart
Both RRSPs and TFSAs are brilliant tools, but they serve different purposes:
✅ RRSP – Tax-deductible today, taxable later. Great for high-income earners who want to lower their taxable income for the year.
✅ TFSA – No deduction upfront, but completely tax-free growth and withdrawals. Great for flexible savings and long-term freedom.
Quick math: if you earn $85,000 in Ontario, every $1,000 RRSP contribution can save you around $310 in taxes.
Use RRSPs for tax relief today.
Use TFSAs for freedom tomorrow.
Use both for balance and abundance.
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. ✨
Let's Connect!
DM or book a free call with me in the bio above.
#RRSP #TFSA #TaxPlanning #FinancialEducation #CarolinaHenao #LUCEMFinancialSolutions #WealthWithHeart
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Is your investment strategy ready for life's twists and turns? Sun Life products offer flexibility and growth potential to help you stay on track, no matter what comes your way. Book a review today!
https://advisor.sunlife.ca/lucem.financial
https://advisor.sunlife.ca/lucem.financial
Is your investment strategy ready for life's twists and turns? Sun Life products offer flexibility and growth potential to help you stay on track, no matter what comes your way. Book a review today!
https://advisor.sunlife.ca/lucem.financial
https://advisor.sunlife.ca/lucem.financial
Did the holidays hit harder than expected? 🎁✨
You’re not alone — between inflation, gifts, dinners, travel, and celebrations, December spending can sneak up fast.
But avoiding your numbers won’t help. That’s not self-care, that’s self-sabotage.
Facing them with clarity and compassion is self-care.
Here’s how to get back on track:
✅ Add up what you spent — it’s data, not drama.
✅ Compare it to your normal budget to see where you went over.
✅ Rebalance in January — trim extras or redirect spending.
✅ Sit with a professional you trust (like me!) to explore ways to close the gap before tax season.
There may be simple RRSP or deduction strategies to help offset your overspending. The key is facing it early, not fearfully.
Financial self-care isn’t about being perfect — it’s about being proactive. 💛
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. ✨
Let's see how to get you back on your path to wealth.
#FinancialWellness #HappyNewYear #WomenAndWealth #FinancialSelfCare #HolidaySpending #RRSPSeason #CarolinaHenao #LUCEMFinancialSolutions
You’re not alone — between inflation, gifts, dinners, travel, and celebrations, December spending can sneak up fast.
But avoiding your numbers won’t help. That’s not self-care, that’s self-sabotage.
Facing them with clarity and compassion is self-care.
Here’s how to get back on track:
✅ Add up what you spent — it’s data, not drama.
✅ Compare it to your normal budget to see where you went over.
✅ Rebalance in January — trim extras or redirect spending.
✅ Sit with a professional you trust (like me!) to explore ways to close the gap before tax season.
There may be simple RRSP or deduction strategies to help offset your overspending. The key is facing it early, not fearfully.
Financial self-care isn’t about being perfect — it’s about being proactive. 💛
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. ✨
Let's see how to get you back on your path to wealth.
#FinancialWellness #HappyNewYear #WomenAndWealth #FinancialSelfCare #HolidaySpending #RRSPSeason #CarolinaHenao #LUCEMFinancialSolutions
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STOP! Before you write another resolution, pause and ask yourself:
💫 What kind of life am I actually trying to fund?
Most people start January with goals like “earn more, save more.” But without clarity, those goals lose meaning, and motivation fades.
Here’s how to begin your financial year with intention:
✨ Define how you want to feel: freedom, peace, joy, or security.
✨ Align your money decisions with those feelings.
✨ Create visual reminders of your why, not just your numbers.
Because wealth isn’t built from willpower — it’s built from awareness.
When your money moves with purpose, everything else flows with ease.
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 this new year!
#FinancialClarity #NewYearNewVision #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions #HolisticFinance
💫 What kind of life am I actually trying to fund?
Most people start January with goals like “earn more, save more.” But without clarity, those goals lose meaning, and motivation fades.
Here’s how to begin your financial year with intention:
✨ Define how you want to feel: freedom, peace, joy, or security.
✨ Align your money decisions with those feelings.
✨ Create visual reminders of your why, not just your numbers.
Because wealth isn’t built from willpower — it’s built from awareness.
When your money moves with purpose, everything else flows with ease.
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 this new year!
#FinancialClarity #NewYearNewVision #WomenInBusiness #CarolinaHenao #LUCEMFinancialSolutions #HolisticFinance
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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.