FOR PROFESSIONALS IN LUXEMBOURG

How Professionals in Luxembourg Stop Losing Money to Inflation and Bank Fees and Build True Financial Independence

Ex-Finance professional reveals the evidence-based method to build a robust portfolio, without complexity, spending hours on research, or making expensive mistakes.

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Who is this for?

Luxembourg Professionals (Lawyers, Engineers, Auditors, Doctors, etc).
Investors with €50k+ in capital looking for preservation or growth.
People tired of losing 2% annually to bank fees.

Who is this NOT for?

Day traders and other people looking to get rich quick.
U.S. citizens.

Your Roadmap to Wealth

The only mentorship program in Luxembourg designed to take you from uncertainty to complete Financial Sovereignty.

Strategy Session: We dissect the best set and forget, ETF portfolio for you in light of your goals. Fee and tax optimized for Luxembourg residents to maximize your future return over the long term.
1-on-1 Implementation: We guide every single click 1-on-1. You never risk pressing the "wrong button".
Priority Access: You are never left alone. Direct, ongoing access to Romain for questions. And dedicated Q&A session after program, support for a period after.

A Proven Evidence-Based Practice in Luxembourg

User

670+

Local Members in the Lux Finance Circle

Calendar

20+

Live Events and Workshops Hosted since 2023

YouTube

150+

Free Frameworks & Videos Published Online

Bringing back Clarity and Simplicity into Finance

My name is Romain Lucas, I'm an ex-finance professional who left the industry to build an unconflicted, evidence-based alternative to the standard advisory model.My work in Luxembourg is already trusted by a community of 600+ local professionals who use already these exact frameworks to manage their wealth.

Our Growing Community of Rational Investors

FAQ

How much time does this really take?

Unlike online courses that demand 20 minutes a day for weeks, we respect your time. There is no homework. We do the work together during our 3 live sessions over 2 weeks. You will go from zero to "fully deployed" in about 4-5 hours of total interaction time.

Do I need to transfer my money or logins to you?

Never. We are educators, not asset managers. You keep 100% control of your assets in your own accounts (which we help you set up). We simply guide your decisions live to ensure you get professional results without paying professional fees. We never touch your money.

I'm a total beginner in finance. Will I be able to follow?

Yes. Because this is a 1-on-1 mentorship, not a pre-recorded course. We move at your pace, we implement everything live, and we stay on the call until you fully understand every step. We take the time needed to make you comfortable.

What results can I expect?

You can expect a fully automated, low-cost, globally diversified portfolio that requires less than 1 hour a year to maintain. Financially, minimizing fees and inefficiencies often saves our clients €2,000–€3,000 per year (per €100k invested) compared to retail banking products. For most clients, the program pays for itself within the first year.

Is this regulated financial advice?

No. Mentoring is educational. Under MiFID II, we do not give personal recommendations on specific instruments. Unlike an advisor who might sell you a product you don't understand, we teach you how to filter the market yourself. You will fully understand exactly what you choose to buy and why.

Can I lose money with this approach?

Yes. Markets fluctuate. Diversification, cost control, and discipline reduce risk, but they cannot eliminate it. Nobody can guarantee positive returns, and you should be wary of anyone who does.

What do you mean by "being independent"?

It means we work 100% for you, not the banks. Unlike most advisors, we refuse all kickbacks and commissions from any third party (broker, fund provider, etc). Our business model is transparent: you pay for education, and we provide objective, unconflicted guidance.

What is your investment philosophy?

Our philosophy is evidence-based: Global diversification through ultra-low-cost index ETFs, disciplined rebalancing, and strict cost control. Implementation is usually simple, but the strategy is supported by peer-reviewed academic research and long-term industry data (e.g., SPIVA, Morningstar).

Do you have minimums to invest?

Technically, no. You can execute the strategy with as little as €100 to "get the hang of it." However, from an ROI perspective, the fee savings usually justify the program cost immediately for portfolios above €50,000.

Am I left alone after the program ends?

No. You have 4 weeks of priority Q&A support after the sessions to ensure you feel secure. However, because the system is automated, there is typically very little to do. We will teach you exactly how to handle deposits or manual adjustments before we finish.

Is there a refund guarantee?

Yes. We agree on the objective and the path before we start. If there is a misunderstanding or a lack of fit that reveals itself, a full refund is issued. We only want to work with clients who are 100% satisfied.

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Are You Ready to Fire your bank?

Every month you wait is another month of lost compound interest and unnecessary bank fees. You are one decision away from a permanently automated system. Let’s determine if you are ready to take control.

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© 2026 Smart Money Growth. All Rights Reserved. Smart Money Growth and Romain Lucas provide solely provide general investment education for informational purposes and do not provide investment services. The information shared on this website, the guide, during workshops, mentorship sessions, consultations, verbal communications, or through any other content is for informational and educational purposes only. The information presented should not be construed as legal, tax, or investment advice. The information presented does not constitute investment advice or a recommendation to buy, sell or hold any security and shall not be deemed an offer to sell or a solicitation of an offer to buy any security. Investing in the financial markets involves the risk of loss. You should always consider your individual circumstances carefully before making any investment decisions. All investment decisions remain your own responsibility. Past performance is not a reliable indicator of future results. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional. Any calculators, or financial simulations are for illustrative purposes only and based on hypothetical assumptions and default values which may not reflect actual or future market conditions. Market, legal and tax conditions are subject to change. Testimonials and case studies reflect the experience of specific clients, result may not be typical.

THE UNCOMFORTABLE TRUTH

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© 2026 Smart Money Growth. All Rights Reserved. Smart Money Growth and Romain Lucas provide solely provide general investment education for informational purposes and do not provide investment services. The information shared on this website, the guide, during workshops, mentorship sessions, consultations, verbal communications, or through any other content is for informational and educational purposes only. The information presented should not be construded as legal, tax, or investment advice. The information presented does not constitute investment advice or a recommendation to buy, sell or hold any security and shall not be deemed an offer to sell or a solicitation of an offer to buy any security. Investing in the financial markets involves the risk of loss. You should always consider your individual circumstances carefully before making any investment decisions. All investment decisions remain your own responsibility. Past performance is not a reliable indicator of future results. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional. Any calculators, or financial simulations are for illustrative purposes only and based on hypothetical assumptions and default values which may not reflect actual or future market conditions. Market, legal and tax conditions are subject to change. Testimonials and case studies reflect the experience of specific clients, result may not be typical.