Meet Luz Ramirez
Founder & CEO of Lux Capital Protection, Personal Finance Specialist, helping entrepreneurs, business professionals, pro athletes, and high-net-worth individuals build wealth through the ERFT method.
Luz Ramirez
Luz Ramirez founded Lux Capital Protection to help entrepreneurs, business professionals, pro athletes, and high-net-worth individuals do one thing well: keep more of what they've built. After 5 years working in Personal Finance, she saw the same pattern again and again: high earners losing ground to fees, taxes, and market swings they never fully understood, and never fully planned for.
That experience became the foundation of the ERFT method: Eliminating Risk, Fees & Taxes. Rather than familiar, one-size-fits-all approaches, Luz and the Lux Capital Protection team bring specialized knowledge designed to help clients identify and reduce unnecessary risk, fees, and taxes while making more intentional decisions about where and how they position their money.
Today, Lux Capital Protection stands as a trusted agency for clients who want an independent, second set of eyes on their retirement, protection, and legacy planning, someone who explains the "why" behind every recommendation, in plain English, before anything moves.
Financial protection isn't about restriction. It's about giving high achievers room to build without fear of what could go wrong.
Luz believes every entrepreneur, professional, athlete, and high-net-worth individual deserves a plan built on clarity, not complexity, one that accounts for the risks that don't show up until it's too late to fix them.
The principles behind every plan
Clarity First
Every recommendation is explained in plain English, with no jargon, no pressure, no fine print you didn't see coming.
Protection Before Growth
A plan that isn't protected isn't finished. Downside risk gets addressed before upside gets chased.
Independent Guidance
Recommendations are built around your goals, not tied to a single product or provider.
Built to Last
Plans are reviewed and adjusted over time, because life, markets, and tax law don't stay still.
Licensed, experienced, and independent
Ready to Build a Plan That Holds?
A strategy call with Luz is a no-cost, no-obligation look at where your plan stands today, and where the leaks might be.
Schedule a CallThis 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.