Stay informed
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.
“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
Watch video
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
Watch video
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
Watch video
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
Watch video
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
Watch video
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
Watch video
Your health and wealth are deeply connected. Consider health insurance solutions like critical illness, disability, and personal health coverage for unexpected challenges.
Beyond insurance, try to prioritize your health daily:
-Eat nutritiously
-Stay active
-Manage stress
-Get enough sleep
-Schedule regular checkups with your healthcare provider
Proactive health care can prevent or mitigate issues, benefiting your well-being and finances in the long-term.
Do you want to explore health insurance options? Let's discuss tailored solutions that protect your health and money.
Beyond insurance, try to prioritize your health daily:
-Eat nutritiously
-Stay active
-Manage stress
-Get enough sleep
-Schedule regular checkups with your healthcare provider
Proactive health care can prevent or mitigate issues, benefiting your well-being and finances in the long-term.
Do you want to explore health insurance options? Let's discuss tailored solutions that protect your health and money.
Your health and wealth are deeply connected. Consider health insurance solutions like critical illness, disability, and personal health coverage for unexpected challenges.
Beyond insurance, try to prioritize your health daily:
-Eat nutritiously
-Stay active
-Manage stress
-Get enough sleep
-Schedule regular checkups with your healthcare provider
Proactive health care can prevent or mitigate issues, benefiting your well-being and finances in the long-term.
Do you want to explore health insurance options? Let's discuss tailored solutions that protect your health and money.
Beyond insurance, try to prioritize your health daily:
-Eat nutritiously
-Stay active
-Manage stress
-Get enough sleep
-Schedule regular checkups with your healthcare provider
Proactive health care can prevent or mitigate issues, benefiting your well-being and finances in the long-term.
Do you want to explore health insurance options? Let's discuss tailored solutions that protect your health and money.
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
Watch video
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
Watch video
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
Watch video
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
Watch video
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
Watch video
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
Watch video
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!
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.