Janaya Vernia (Willhite) is the visionary founder of Luxe Legacy Financial, a mother of two, and a determined entrepreneur who transformed humble beginnings into a path of purpose, impact, and generational wealth. With a passion for growth and a commitment to building a better future for her family, Janaya has spent years healing, evolving, and stepping into her calling as a leader in finance, business development, and digital entrepreneurship.

Her journey began with a desire for more—more for her children, more for her family, and more for her legacy. After being introduced to the tax industry, Janaya discovered her talent for helping others build and protect their financial future. That passion expanded into financial consulting, where she guides individuals and business owners on credit, funding, planning, and long-term financial success.

Self-taught and endlessly driven, Janaya has also mastered digital marketing and creative design, offering services in website creation, flyer and business card design, branding, and business development. She uses these skills to help entrepreneurs launch, grow, and elevate their businesses with confidence.

Janaya’s ultimate mission is to build a Luxe Empire—one rooted in faith, integrity, and results. She is dedicated to creating generational wealth not only for her own family but for every client she serves. Her work allows her to spend more intentional time with her children while building a legacy they can one day continue.

Through resilience, purpose, and a commitment to excellence, Janaya is turning her vision into reality—one empowered client, one strong business, and one generational blessing at a time.