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Via Luce Capital Corporation

Financial Services

At Via Luce Capital, we help business owners align their personal, business, and financial goals through a structured, year-round planning process. Our approach recognizes that your company is often your largest asset-and that true financial success comes from integrating it seamlessly with your personal plan. Using a defined annual rhythm, we guide clients through key planning seasons: establishing long-term vision and goals early in the year, optimizing value and investment strategy midyear, and focusing on risk mitigation and tax efficiency in the fall. This cadence ensures that decisions are proactive, coordinated, and data-driven rather than reactive to market or business cycles. We address every stage of ownershipfrom growth and value acceleration to transition or successionusing measurable benchmarks such as value gaps, profit gaps, and retirement readiness. Collaboration with your CPA, attorney, and valuation team keeps each element aligned. Our goal is to help you run your business like an investment: intentional, strategic, and coordinated with your lifes broader financial plan. Through clarity, structure, and disciplined execution, we turn complexity into a cohesive roadmap for both your business and your future.

At Via Luce Capital, financial planning is a structured, ongoing process designed to bring clarity, coordination, and confidence to every stage of life. We help clients connect today's decisions with tomorrow's goalscombining objective data with practical, human insight. Our process follows a defined rhythm through the year, integrating personal priorities, investments, retirement, tax strategy, and risk management into one cohesive plan. We begin by clarifying your visionwhat you value, who you care for, and what you want your wealth to accomplish. From there, we develop an evidence-based strategy that translates your goals into measurable actions. Throughout the year, we revisit your plan at key intervals, benchmarking progress and making thoughtful adjustments as life or markets change. We collaborate with your CPA, attorney, and other professionals to ensure every aspect of your financial life works together in alignment. The result is more than a plan-it's a living framework that adapts with you, providing direction through uncertainty and helping you stay confidently on course toward your goals.

At Via Luce Capital, financial advice isn't a one-time event-it's an ongoing, structured partnership built around clarity, collaboration, and disciplined execution. Our Envision > Empower > Engage framework guides clients through every season of their financial life, ensuring that each decision connects seamlessly to the next. We begin with Envision-clarifying your goals, relationships, values, and legacy priorities. In Empower, we translate that vision into concrete strategies across investments, business value, tax planning, retirement, and estate design. Finally, through Engage, we implement, monitor, and adapt-meeting regularly to benchmark progress, coordinate with your CPA, attorney, and other professionals, and keep your plan aligned as life and markets evolve. Our advisory calendar structures the year into dedicated focus periods: personal planning early in the year, portfolio and business strategy midyear, and risk management and tax optimization in the fall. This rhythm brings order to complexity, ensuring proactive planning rather than reactive decisions. Every client relationship receives thoughtful, data-driven guidance designed to integrate all facets of wealth-personal, professional, and financial-into one cohesive strategy. The result: a clear, repeatable process that transforms advice into action and keeps your financial life aligned, intentional, and resilient.

At Via Luce Capital, portfolio management is both data-driven and deeply personal. Our process combines institutional-quality research with individualized strategy designhelping clients make informed, confident decisions through every market environment. Each portfolio is constructed using a disciplined, evidence-based framework that evaluates multiple market dimensions, including economic momentum, risk dynamics, and volatility trends. This allows for tactical adjustments when conditions change, balancing the pursuit of growth with a constant focus on risk management and capital preservation. While our models are guided by data, every client portfolio remains grounded in real lifeyour goals, time horizon, and cash flow needs. We integrate tax awareness, income planning, and behavioral insights to ensure that investment decisions align seamlessly with your broader financial plan. Our goal is to remove emotion from market decisions and replace it with clarity, structure, and purpose. Portfolios are reviewed regularly and adjusted as both markets and your circumstances evolve. The result is a transparent, repeatable process that turns complex data into practical actionso you can focus less on the markets noise and more on your long-term vision.

At Via Luce Capital, retirement planning is about more than reaching a number-it's about creating the freedom to live life on your terms with clarity and confidence. Our approach begins with understanding what a fulfilling retirement looks like for you-how you want to spend your time, what you want to protect, and the lifestyle you want to sustain. From there, we model your income needs, taxes, investments, and benefits together in one coordinated plan designed to evolve with you. Using advanced planning tools and a disciplined analytical process, we help identify sustainable withdrawal strategies, evaluate Social Security and pension options, and structure your investment and tax strategy to support predictable, lifetime income. We focus on balance-securing essential income while preserving flexibility and growth potential. Retirement isn't a single event; it's an ongoing transition that requires continual monitoring and thoughtful adjustments. Our process ensures your plan remains dynamic and resilient, adapting to changing markets, tax laws, and personal goals. The result is a retirement strategy that's grounded in data, guided by experience, and personalized to your life-so you can enjoy the years ahead with peace of mind and purpose.

When you change jobs or retire, what you do with your 401(k) can have a lasting impact on your financial future. At Via Luce Capital, we help you evaluate all your available options with clarity and objectivityso you can make an informed choice that aligns with your long-term goals. Our process starts by analyzing your current plans investment options, fees, and distribution features. We then compare those to the potential benefits and considerations of a rollover, including greater investment flexibility, consolidated management, and coordinated tax planning. Every recommendation is tailored to your individual situation, not a one-size-fits-all formula. We also look beyond the rollover itselfintegrating your retirement accounts, IRAs, and taxable investments into one cohesive strategy. This ensures your portfolio remains properly diversified, your income plan remains sustainable, and your tax exposure is managed efficiently. Whether youre transitioning to a new employer, entering retirement, or simply seeking simplicity, our goal is to make the rollover process seamless, transparent, and aligned with your broader financial plan.

At Via Luce Capital, insurance planning is not about products-it's about protection. We help clients evaluate their exposure to financial risks and determine how insurance fits within their broader financial strategy. Our process begins by assessing potential vulnerabilitiessuch as income loss, liability, or long-term care needsand modeling how those risks could affect your financial plan. From there, we work with you and, when appropriate, your insurance or legal professionals to design coverage that aligns with your goals and resources. Because we remain independent, our recommendations focus on strategy first, not sales. Whether reviewing existing life, disability, or long-term care coverage, our objective is to ensure every policy serves a clear purpose within your total wealth plan. Insurance is often the most overlooked component of financial planning, yet it can be the foundation that allows every other strategy to succeed. Our goal is to help you maintain protection thats both cost-effective and aligned with the life youre buildingso your plan remains resilient through all stages of life.

At Via Luce Capital, we view annuities as one of many tools that can bring structure and predictability to a client's financial plan-not as a one-size-fits-all solution. Our role is to help you understand when and how an annuity may support your long-term goals, particularly around retirement income and risk management. We start by evaluating your broader financial picture-cash flow needs, time horizon, tax profile, and comfort with market risk. From there, we analyze whether guaranteed income, principal protection, or tax deferral benefits could enhance your strategy. When an annuity fits, we focus on design and integration: aligning contract features, riders, and payout options with your goals, and ensuring the investment complements-not replaces-your broader portfolio. Because we operate independently, our recommendations are always based on suitability and transparency. We help you understand the trade-offs-such as liquidity, fees, and growth potential-so you can make a confident, informed decision. Our goal is simple: to use annuities strategically, as part of a cohesive, evidence-based plan that turns savings into reliable income and brings peace of mind to your financial future.

At Via Luce Capital, estate planning isn't just about documents-it's about direction. While we don't provide legal advice, we work closely with your estate attorney to ensure your financial strategy and estate plan are fully aligned with your goals. Our role is to help you translate intentions into structure. We coordinate with your legal and tax professionals to evaluate how titling, beneficiary designations, and trust strategies fit within your broader plan. This collaborative approach helps ensure your assets are protected, distributed according to your wishes, and positioned efficiently for future generations. We focus on bringing clarity to complex topics' such as estate liquidity, charitable giving, tax implications, and legacy objectives' so you can make informed, confident decisions with your attorney's guidance. Through disciplined coordination and proactive review, we help you maintain an estate plan that evolves as your life, family, and goals change. The result is a clear, unified strategy that protects what matters most and honors your vision for the future.

At Via Luce Capital, we don't replace your CPA - we work alongside them. Our role is to complement traditional tax compliance with forward-looking strategy and coordination. While accountants often focus on the prior years filings and documentation, our planning process looks aheadidentifying opportunities to improve tax efficiency across investments, retirement savings, business income, and estate strategy. By integrating tax awareness into every stage of financial planning, we help ensure todays decisions align with tomorrows goals. We collaborate directly with your CPA or accounting team to build consistency between your financial plan and tax position. This proactive, team-based approach reduces surprises, eliminates duplication, and creates a unified strategy that reflects your full financial picture. The result is simple but powerful: you retain your trusted tax advisor, while gaining an advocate who helps connect the dots between compliance and strategyturning tax planning from a seasonal task into a year-round advantage.

At Via Luce Capital, education planning is about more than saving for tuitionits about creating flexibility, minimizing taxes, and aligning your resources with your familys long-term goals. We start by clarifying your objectives: who you want to support, when the funds will be needed, and how education fits into your broader financial picture. From there, we build a strategy that balances growth potential with liquidity and risk management, using the same disciplined, data-informed process that guides all our planning decisions. Our analysis compares a range of funding optionsincluding 529 plans, custodial accounts, and trust structuresevaluating each for tax efficiency, control, and financial aid implications. We coordinate education planning within your overall wealth plan, ensuring that savings decisions today dont compromise other long-term priorities like retirement or estate goals. By bringing structure and foresight to what can often feel overwhelming, we help families prepare with confidenceturning education funding into a clear, actionable plan that supports opportunity without sacrificing stability.

At Via Luce Capital, investment advice is not a predictionits a process. Our approach is grounded in disciplined analysis, data-driven decision-making, and the belief that consistent process creates consistent outcomes. We evaluate key market dimensions' economic momentum, volatility conditions, and risk factorsto inform tactical allocation and portfolio structure. This evidence-based framework allows us to identify opportunity when conditions are favorable and reduce exposure when risk levels rise. Every portfolio is customized to align with each client's goals, time horizon, and tax considerations. We integrate investment management with financial planning, ensuring that every decision supports your broader strategy-whether you're accumulating wealth, drawing income, or preserving capital. Transparency and repeatability are central to our philosophy. Portfolios are reviewed regularly, benchmarked against measurable objectives, and adjusted as markets or client circumstances change. The result is a disciplined, forward-looking approach designed to replace emotion with clarity, reactiveness with structure, and uncertainty with confidence.

At Via Luce Capital, wealth management is both an art and a science-a process that turns data into clarity and clarity into confidence. Our approach blends institutional-grade analytics with deeply personal planning, ensuring every decision is grounded in evidence and aligned with your long-term goals. We use a structured framework that evaluates key market dimensions such as economic strength, volatility trends, and risk dynamics to inform portfolio and planning decisions. This research-driven foundation allows us to adapt proactively to changing market environments rather than react emotionally to them. But the real difference lies in how we connect strategy to life. Your investment plan, tax strategy, and retirement goals aren't treated as separate silos-they work together as part of one integrated system. By combining quantitative discipline with personal insight, we help simplify complexity, manage risk intentionally, and maintain alignment between your financial decisions and your broader purpose. In a world full of noise, our process brings structure, consistency, and perspective-so you can make confident, well-informed choices about your wealth and your future.

At Via Luce Capital, risk management isn't about avoiding volatility-it's about understanding it, measuring it, and using it intelligently. Our process applies a disciplined, data-informed framework that evaluates multiple dimensions of market and portfolio risk, including economic trends, asset correlations, and volatility shifts. Rather than relying on static models or reactive moves, we continuously assess how changing conditions may affect your portfolio's risk posture. This allows us to adjust exposures strategically-reducing participation when risk signals rise and leaning in when conditions improve. We view risk through both a quantitative and personal lens. Every recommendation considers your tolerance, time horizon, and financial objectives, ensuring the strategy aligns with your comfort level while still pursuing your goals. True risk management extends beyond markets. It includes planning for life's uncertainties-income disruptions, tax changes, or legacy needs-so your financial life remains resilient through any environment. The result is a process that transforms risk from something to fear into something to manage with clarity, confidence, and control.

At Via Luce Capital, money management is a disciplined, evidence-based process designed to bring order and intention to every financial decision. Our goal is to help you move from reacting to markets to proactively managing your resources with clarity and purpose. We analyze multiple layers of market dataeconomic indicators, risk conditions, and volatility patternsto inform allocation and timing decisions. This structured approach allows us to adjust portfolios thoughtfully as conditions evolve, maintaining balance between opportunity and protection. But effective money management extends beyond investment selection. Its about aligning cash flow, reserves, and investment strategy with your broader financial plan. We help ensure your short-term needs and long-term goals are coordinated within one cohesive framework. Our process replaces emotion with structure and complexity with transparency, empowering you to make confident choices that keep your finances aligned with your vision and adaptable to change.