Maximize Wealth. Minimize Risk.

Enjoy More Choices.

“Go confidently in the direction of your dreams. Live the life you have imagined.” Henry David Thoreau

At First Capital Financial Concepts, we are committed to enriching the lives of our clients and their families by turning their dreams into reality.

Our proactive ideologies and cutting-edge research on new planning strategies, tax law changes, and product development lead us to develop strategies that could increase and protect our client’s wealth and income during all stages of their financial lives.

What are you working for? A secure retirement? College for your kids? A thriving business?

Whatever your financial goals, we have the experience to get to the truth of your financial well-being, to make your money work smarter and harder, and to give you more options for using your wealth.

At First Capital Financial Concepts, you’ll find a team of professionals from investments to insurance, from retirement planning to estate planning, and from employee benefits to business planning ready to help you realize your goals.

What makes us different is you. Unlike most financial practitioners who only focus on particular aspects of your financial well-being, we work directly with you in every aspect. This creates a relationship that ensures your financial future is fully integrated and helps turn your dreams into reality.

To achieve true, lasting wealth, you must have integrity and wisdom. That’s why it’s our goal to impact each and every client with strong fundamental values as guiding investment principles. With integrity and wisdom as your empowerment, you can take meaningful measures to rise above the fray of investments that are too good to be true, asset bubbles and the many other traps that have recently decimated countless investors.

Although the media and popular culture may have you believe that products can give you wealth and success, we believe this is the wrong message. Placing your faith in products is like leaving your financial future to the chance of the markets with casino-like predictability.

Wealth is not stocks, bonds, mutual funds, CDs or money markets. These are only mediums of exchange and storage units for capital. They are representations of abundance, but they do not have real value until they are converted to lifestyle. That’s why we change the conversation from the storage of assets to true prosperity where the goal is lifestyle assurance, significance and lasting, generational wealth.

Our clients strive to move from a life of abundance to one of significance. Through our unique mindset, organized process and client-centered service offerings, we can help you achieve this. We believe in making the world a better place by taking care of ourselves, our families and our communities.

Changing the Conversation About Money

Our BeliefsThe Best Investment is in Oneself

Our mission is to deliver processes and systems of money movement that focus on the efficient and effective creation of wealth and to protect that wealth from being transferred to the government, financial institutions and other third parties. By improving the flow of your money (the velocity), First Capital is confident that it will help to increase your benefits and improve your money supply (the multiplier effect) with little or no increased risk or out-of-pocket expenses. We specifically seek to fortify and protect your “economic capital” by incorporating the following strategies:

● Increase the money you will have over your entire economic life

● Give you more accessibility and utility on that money● Reduce income, capital gains, and estate taxes● Lower financial costs● Reduce risks

● Give you a better understanding of how money really works within society

● Provide organization, coordination and integration of your financial documents and plans

● Provide a verifiable interactive process“Wealth is not his that has it but his that enjoys it.”

Ben Franklin

At First Capital, we change the conversation about money from product to process and service with the goal of empowerment. In today’s tumultuous environment, it’s clearer than ever before that responsibility must be associated with wealth. We help you make responsible decisions to ensure your lifestyle for today and tomorrow.

Your Single Source for Integrated Wealth Management

As a high net worth individual, you understand that managing your personal assets is a demanding and time-consuming endeavor. Although you may have assembled an A-list team of professionals to provide guidance in their individual areas of expertise, you must ask yourself an important question:

Who is looking at the big picture?

Unfortunately, no one knows your entire story. Despite your best efforts and those of your advisors, the undeniable fact remains that without a fully integrated strategy and process, you’re not positioned to make the best possible decisions.

With your attorney, insurance broker, money manager, accountant and other team members working in individual silos, their recommendations are uncoordinated. Without better integration, it simply isn’t possible to optimize the performance of your assets.

Integrated Wealth Management

As your single source for integrated wealth management, our goal is to get all of your financial advisors to work together in your best interest.

Acting as Capital Coach, we consult with your existing advisors, gathering information on the plans and products currently in place. Then we step back and analyze the big picture, assessing performance and linking strategies. And by serving as your single point of contact with all of your individual advisors, we can drastically reduce your personal workload.

Because we’re process-driven, not product-driven, First Capital Financial Concepts brings an objective, and analytical approach to the table. We empower you to make fully optimized wealth management decisions with a complete understanding of your entire financial position.

Advisor Integration Capital Coach

Stock Broker/

Investment Advisor

Benefits/HR Department

Attorney Banker

Accountant

Real Estate/Mortgage

Broker

Life Insurance

Agent

Insurance Broker

Money Manager

You

First Capital

The First Capital Difference

Explore surprising strategies for making a meaningful improvement in your overall wealth building and protection process.

Taxes (including estate)InflationHealth (illness, death)

LawsuitMarket FluctuationLifestyle

■ You ■ IRS ■ Financial Institutions

The Capital Wealth System Our Unique 8-Step Process

First Capital Financial Concepts, LLC’s mission is to create capital enhancement strategies that increase the clarity, confidence, and comfort our clients feel knowing they have the financial resources to protect and preserve their wealth not only for themselves but for generations to come.

Key Wealth-Eroding Factors An Example of First Capital’s Complete Capital Wealth System through Tax Recapture and Cost Recovery

First Capital’sWealth System

The Discovery AssessmentTogether, we look at your current financial situation and discuss your concerns, needs and wants, and long-term goals along with your dreams for the future.

The Protection Components ReviewIn this step, we strive for maximum protection and coordination at the minimum cost to protect what you already have and what you are working hard to build.

The Accumulation Strategies AnalysisTrue outcomes – including taxes and investment costs – of various financial strategies are unveiled in this stage using our advanced computer modeling system.

The Capital Optimization MatrixThe Capital Optimization Matrix looks at four key areas that impact your overall wealth and financial well-being.

The Business Optimization AnalysisAll of your current business strategies are optimized, streamlined, and cohesively integrated with your personal strategies. New strategies may also be created if appropriate.

The Implementation ManagerIndecision can be costly. The Capital Coach component of this step coordinates the implementation of your plan and interacts on your behalf with all the financial professionals involved.

The Capital Wealth ReviewLife is filled with expected and unexpected changes. We’ll monitor your plan’s progress, working with you to modify and adjust your plan as your needs or circumstances change.

The Uncommon ApproachDiscover unique and uncommon planning methodologies that expose inefficiencies, dangers and weaknesses that erode wealth. Learn what makes First Capital different and build from success to significance and lasting true wealth…for life.

Authorized User of

Are you ready to optimize your wealth?There are several ways to proceed. Regardless of how you decide to work with us, there is no fee for your initial review!

Private Client Services:● Wealth Management● Education Funding● IRA and 401(k) rollovers● Asset & Income Protection Planning● Retirement Income & Distribution Planning● Risk Management● Wealth Transfer & Estate Planning

Corporate Services:● Retirement Plan Design● Retirement Plan Asset Management● Business Succession and Continuity Planning● Business Overhead Planning● Keyman Planning● Executive Benefits Planning● Employee Benefits, including medical and dental● Corporate Risk Management● Wealth Transfer & Estate Planning

We’ll take you through every step of our process to create, maintain, and update the strategies that work best for you, your family, and your business.

We take a good, hard look at all aspects of your financial life. Often, we find that clients are losing money and don’t even know it. That’s because typical financial projections fail to address the severity several wealth-eroding factors can have on your financial well-being.

We know how to look deeper to get to the truth of your financial situation. Together, we evaluate your current financial strategies to determine their true cost. But more importantly, we develop a number of ways to reduce those costs so your money works harder and smarter for you.

ReportingA fully integrated, big picture view of your complete financial makeup–

We understand that knowledge is empowerment, and that important financial decisions should not be made without understanding all of the factors that are in play. That’s why we provide a fully integrated big picture view of your complete financial makeup with The Living Balance Sheet®.

An important component of your Capital Coach service, The Living Balance Sheet® is a secure, web-based tool that provides timely and accurate reporting. The Living Balance Sheet® can integrate your personal and business financial information from multiple accounts, service providers and other sources. You can also store important documents from any source in our secure online vault.

Make immediate and informed financial decisions with a single access point to your financial data. First Capital also offers hard copy reports on request. Your Capital Coach integrates your data and unites the talents of your advisory team to optimize your financial position and create harmony in your life.

Be A Success Story

Many of our clients with significant real estate holdings and investments are concerned about being able to retire when they want. Between taxes, inflation, and stock market losses, they come to First Capital Financial Concepts uncertain and unsure.

After experiencing The Living Balance Sheet® and with our help, our goal is for clients to be able to reduce their wealth-eroding factors, retire years ahead of schedule and enjoy the option of helping their children later, without reducing their own lifestyle!

*

Charles A. Villano, J.D.†, CFP®, CLU®, LUTC, the managing partner of First Capital Financial Concepts, LLC is experienced at providing guidance in the areas of wealth preservation and accumulation planning to successful individuals and corporate clients.

Many of Chuck’s clients include professionals in the legal, investment banking, hedge funds, and commercial real estate markets. He also has a number of clients who are owners of closely held businesses and guides them in their personal planning, executive benefits and business succession planning and estate planning.

Chuck’s career started in law school. After being on law review, Chuck became an estate and tax attorney where his focus was working with high net-worth individuals in tax avoidance and tax reduction strategies. During this time, he also became more familiar with charitable, wealth transfer, and legacy planning. This background led him into the insurance and financial advisory business.

Chuck’s professional credentials include the prestigious Top of the Table which is made up of the top one tenth of one percent of financial advisors worldwide.

During his tenure in the industry, Chuck has been a perennial producer by consistently being in the top 1% of all producers for a number of prominent financial advisory companies. He is currently a member of the Chairman’s Counsel as well as the Elite Producer’s Group, and is viewed as one of America’s Top Financial Planners by the Consumer Research Council of America.

Chuck graduated from John Marshall Law School in 1993, and received his undergraduate degree from the University of Illinois in 1989. He is also a Certified Financial Planner®, a Chartered Life Underwriter®, as well as a Life Underwriter Training Counsel Fellow.

Personally speaking, Chuck resides in the northwest suburbs of Chicago with wife Becky, and their identical twin boys, Anthony and Vincent. As a family they enjoy skiing, traveling, and an active lifestyle. Chuck and Becky also enjoy an occasional Sunday ride on their Harley.

†Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 2550 Compass Rd. Suite H, Glenview IL 60024.  847-564-0123  Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. First Capital Financial Concepts is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 

*The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2015 The Guardian Life Insurance Company of America. 2015-8370 Exp. 7/17

Charles A. Villano, J.D., CFP®, CLU®, LUTC, Managing Partner

First Capital171 West Wing Street, Ste. 204B Arlington Heights, IL. 60005Phone: (847) 398-9000 Fax: (847) 398-9088 www.firstcfc.comEmail: cvillano@firstcfc.com