Eliminate Risk, Fees & Taxes.
Build wealth that's built to last.
Lux Capital Protection is a trusted agency helping entrepreneurs, business professionals, pro athletes, and high-net-worth individuals build greater financial efficiency and protect what they've earned.
The ERFT Method
We don't just provide familiar approaches you may have heard before. We bring specialized knowledge and strategies designed to help you identify and reduce unnecessary risk, fees, and taxes, while making more intentional decisions about where and how you position your money.
Risk
Identifying where your wealth is exposed to market volatility and structuring around it, so a downturn doesn't undo years of work.
Fees
Uncovering the layered management and fund fees that quietly compound against you, and positioning your money more efficiently.
Taxes
Planning ahead for the taxes owed at withdrawal or at death, the ones that catch people worst because they weren't planned for.
Through the ERFT method, we help you build greater financial efficiency, strengthen how you protect and preserve your wealth, and create a stronger financial position for the future.
Luz Ramirez
Luz Ramirez founded Lux Capital Protection to help entrepreneurs, business professionals, pro athletes, and high-net-worth individuals build greater financial efficiency through the ERFT method.
The work stays focused on one thing: reducing the risk, fees, and tax exposure that quietly erode a plan over time, and replacing it with clarity, structure, and a stronger financial position for the future.
Whether you're planning retirement income, protecting a business, or building a legacy for the next generation, you get an independent read on your options and a plan built around your actual goals.
Six ways to protect what you've built
Each service stands on its own. Most clients combine two or three, depending on where they are in life.
Retirement Income Planning
A plan for turning savings into a paycheck that lasts as long as you do.
Financial Planning
A full view of where you stand today, and the moves that get you where you want to be.
Financial Protection Planning
Coverage built around the risks that could undo everything else you've built.
Legacy Planning
Structuring what you leave behind so it reaches the people you intend, with less lost to taxes.
Wealth Preservation Strategies
Insurance-based tools that protect principal from market downturns while still allowing growth.
Insurance Consulting
An independent read on the policies you already own: what they're doing, and what they cost.
A four-step path, start to finish
Nothing gets implemented until you understand exactly what it does and why it's there.
Discovery Call
A 20–30 minute conversation about your situation, goals, and current concerns.
Risk & Fee Audit
A review of current accounts and policies to see what's working against you.
Protection Blueprint
A tailored strategy, explained in plain English before anything moves.
Implementation & Review
Your plan goes in place, then gets reviewed as life and law change.
What clients are saying
"I finally have a plan I understand."
Lux Capital Protection helped me look at my finances from a completely different perspective. I gained a better understanding of retirement income planning and how to protect what I've worked so hard to build. Everything was explained clearly and professionally.
"They helped me think about the bigger picture."
I originally came in wanting to improve my financial planning, but the conversation went much further. Lux Capital Protection helped me think about retirement, financial protection, and my long-term goals as one complete strategy. I left feeling much more confident about my direction.
"The process was simple and easy to understand."
Financial planning can feel overwhelming, but Lux Capital Protection made the process much easier for me. They took the time to understand my goals and explained different strategies in a way that actually made sense. I really appreciated the personalized approach.
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The 3 Leaks in Every Retirement Plan
A short, plain-English guide to the fees, taxes, and market risk that quietly erode a plan, and how insurance-based strategies are built to seal them.
Get the Free GuideBuild Wealth With Confidence
Whether you're planning retirement income, protecting your family, or building a legacy for the next generation, you don't have to figure it out alone.
Start Your Journey TodayThis website is for educational purposes and does not constitute tax, legal, or investment advice. Insurance products are issued by third-party insurance companies; any guarantees are subject to the financial strength and claims-paying ability of the issuing carrier. Please consult a qualified tax or legal professional regarding your specific situation before making decisions.
Start With a Conversation
A strategy call is a no-cost, no-obligation look at where your plan stands today, and where the leaks might be.
Holbrook, NY 11741