Investment, tax, estate, and exit decisions don't operate in isolation — they reinforce or
undermine each other. Via Luce Capital builds the plan that holds them together, then manages
the capital to execute it.
Where are you in your planning?
Retirement income, structured.
Distribution sequencing, tax-aware withdrawals, Social Security timing, and the rate of consumption that keeps the plan intact across decades.
Here, planning comes first. The plan defines what the capital needs to do — produce income at
retirement, exit a business at the right valuation, transfer wealth across generations,
fund an institutional mandate. Without that, investment strategy is a guess at the right
destination.
Planning is also where coordination happens. Tax decisions affect investment decisions.
Estate structure affects portfolio location. A business exit reshapes everything. The plan
is the document that holds those threads together — and the planning process is what keeps
them aligned as life and markets change.
The seams are where a plan holds together or comes apart. Integration is the work.
Planning isn't a deliverable. It's the discipline that makes everything else work.
What Planning Answers
Capabilities, framed as questions a plan must answer.
Each of these is a planning question first. The work that flows from it — the portfolio
decisions, tax moves, structural changes — is in service of the answer. Treating capabilities
as services in isolation is how a plan comes apart at the integration points.
01
What does the plan need to deliver?
Retirement Income Strategy
Distribution sequencing, tax-aware withdrawals, Social Security timing, healthcare
coverage, and the rate of consumption that keeps the plan intact across decades.
02
How does the plan get executed?
Investment Architecture
Rules-based, multi-engine portfolio construction designed with a goal of behaving
consistently across market cycles. No prediction. No conviction trades. Clear logic for every position.
03
How does the plan stay efficient?
Tax Strategy
Asset location, tax-loss harvesting, Roth conversion timing, charitable giving structure,
and the integration that turns tax planning into an ongoing discipline.
04
How does the plan move forward?
Estate & Wealth Transfer
Documented succession of capital — across generations or across mandates. Coordinated with
attorneys and accountants so structure and intention stay aligned.
05
How does the plan adapt at the inflection point?
Business Exit Planning (CEPA®)
Valuation gap analysis, personal financial readiness, post-transaction wealth design. The
exit is one event in a longer plan — and the years before and after matter more than the
day of.
06
How does the plan stay together?
Coordinated Stewardship
Direct collaboration with your CPA, attorney, and other advisors. The plan only works if
the people executing it are aligned. We coordinate so you don't have to.
Hover or select a capability to see how it connects across the plan.
Investment Architecture
How the portfolio actually gets built.
Our investment process is built on a multi-layer quantitative architecture — momentum and
trend signals, economic growth factors, yield curve dynamics, valuation mean-reversion,
volatility structures, machine-learning macro signals, and cross-asset ranking algorithms.
Each engine answers a different question about market regime; together, they produce
portfolios that behave consistently across cycles rather than being held together by
judgment.
Three frameworks can be configured at any equity target from 0% to 100%, depending on the
mandate. Whether you're managing a retirement portfolio, an institutional reserve, or a
foundation with a defined spending policy, the same disciplined logic applies.
We're also crypto-aware: digital assets are evaluated within the broader risk-managed
portfolio rather than treated as a speculative side-bet. They earn their place through
process, not headlines.
The Engagement Cadence
Planning isn't an event. It's a cadence.
Four seasons a year, each with a defined purpose — so the plan stays current with the life it's meant to serve. Between them, coordination work continues on your behalf.
Between the seasons
Work happens on your behalf.
01
Benchmarking calls
Implementation progress, course correction, and an alignment check between seasons—typically Apr · May and Aug · Sep.
02
Collaboration meetings
Working sessions with your CPA, attorney, business management team, and other professionals.
03
Team meetings for you
Your planning team meets regularly on your behalf to discuss execution and strategy—whether or not you are in the room.
Timing is approximate and varies with your circumstances, filing deadlines, and the availability of your professional team. Educational
and illustrative; no strategy or structure named here is a recommendation. Via Luce Capital does not provide tax or legal advice—coordinate
with your CPA and attorney.
Tax-Aware Approach
Tax is the seam between planning and investing.
The tax layer is where a plan proves itself. A great investment idea executed in the wrong account
costs more than the idea was worth. A liquidity event without tax preparation can erase
years of growth.
Tax planning at Via Luce is treated as an ongoing discipline rather than an annual event —
woven into the planning cadence and the portfolio process from the start.
About Brent Rupnow
A boutique firm, built around one principle: direct accountability.
Via Luce Capital was founded around the conviction that clients are better served by
disciplined systems and direct accountability than by charisma and prediction. The firm
intentionally serves a limited number of relationships. That's the point.
Brent holds the CFP®, CEPA®, ChFC®, and CLU® designations and brings over two decades of
experience across financial planning, investment strategy, and exit planning. Via Luce
operates independently through LPL Financial — combining boutique-firm directness with
institutional-grade compliance, custody, and infrastructure.
Writing on planning, process, and how decisions get made.
Substance over schedule. Pieces are written when there's something worth saying — about how
plans actually work, what disciplined investing looks like in practice, and the moments in a
financial life where the stakes are highest.
We use the first call to understand what you're trying to accomplish, where the gaps are, and
whether we're the right fit. If we are, we'll tell you. If we're not, we'll tell you that too.
Ten questions about your situation return the fee range a comprehensive financial plan
like yours typically falls into. No contact information, no follow-up.
These links open sites operated by third parties. Via Luce Capital is not responsible for
the content, security, or privacy practices of those sites.
Helios Quantitative Research LLC and Clear Creek Financial Management LLC are not affiliated with or endorsed by Via Luce Capital and LPL Financial.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Helios Quantitative Research LLC and Clear Creek Financial Management LLC are not affiliated with or endorsed by Via Luce Capital or LPL Financial.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
