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.
ChangingtheConversation
AboutMoney
OurBeliefs
The 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.
AdvisorIntegration 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)
Inflation
Health (illness, death)
Lawsuit
Market Fluctuation
Lifestyle
■ You
■ IRS
■ Financial Institutions
TheCapital WealthSystem
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’s
Wealth System
The Discovery
Assessment
Together, 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
Review
In 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 Analysis
True outcomes – including taxes
and investment costs – of various
financial strategies are unveiled
in this stage using our advanced
computer modeling system.
The Capital
Optimization
Matrix
The Capital Optimization
Matrix looks at four key
areas that impact your
overall wealth and
financial well-being.
The Business
Optimization Analysis
All 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
Manager
Indecision 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 Review
Life 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
Approach
Discover 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
Areyoureadytooptimizeyourwealth?
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.
Reporting
A 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),NewYork,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),NewYork,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 Capital
171 West Wing Street, Ste. 204B
Arlington Heights, IL. 60005
Phone: (847) 398-9000
Fax: (847) 398-9088
www.firstcfc.com
Email: cvillano@firstcfc.com