# Smart Money Growth

> Smart Money Growth is an independent investment education and mentorship company based in Luxembourg. Founded by Romain Lucas, it helps high-net-worth professionals and expats in Luxembourg optimize their personal investment setup through private 1-on-1 mentorship programs. The company operates under a non-advisory, education-only model with no product commissions, no AUM fees, and no third-party financial interests.

Smart Money Growth is not a financial advisor and does not provide financial advice. It delivers structured investment education covering ETF selection, brokerage optimization, Luxembourg tax efficiency, and portfolio construction using evidence-based frameworks.

The founder, Romain Lucas, has 7+ years of experience in Luxembourg's financial industry. He also founded the Luxembourg Finance Circle (LFC), a professional finance networking community with 1,000+ members.

The company is registered as Smart Money Growth S.a r.l.-S in Luxembourg.

## Core Pages

- [Homepage](https://smoney.lu/): Overview of the independent investment education model, methodology, and primary call to action for a free strategy call.
- [About](https://smoney.lu/about): Founder biography, professional background, and the story behind Smart Money Growth.
- [Approach](https://smoney.lu/approach): The three-step methodology covering Evidence-Based Framework, 1-on-1 Implementation Guidance, and Built-In Follow-Up Support.
- [Results](https://smoney.lu/results): Client reviews and results from Luxembourg investors who worked with Smart Money Growth, including written Google reviews and a video testimonial.
- [Privacy Policy](https://smoney.lu/privacy): How Smart Money Growth collects, uses, and protects personal data under GDPR.
- [Terms of Website Use](https://smoney.lu/terms): Terms governing use of the website and its free educational tools and calculators.
- [General Terms of Sale (Mentoring)](https://smoney.lu/conditions): Conditions of sale for mentoring, consultations, and workshops.

## Topics

- Investing in Luxembourg as an expat (brokers, ETFs, tax rules)
- Luxembourg capital gains tax exemption (6-month rule, Article 99bis LIR)
- Pillar 3 (111bis) retirement savings analysis
- Luxembourg impatriate tax regime (2025 reform, 50% exemption)
- UCITS ETF selection for European retail investors
- Conflict of interest in financial advice
- Evidence-based portfolio construction
- Brokerage selection and optimization for Luxembourg residents

## Articles

- [How to Invest as a Luxembourg Expat](https://smoney.lu/insights/how-to-invest-luxembourg-expat): Comprehensive guide for expats and professionals in Luxembourg who want to start investing. Covers brokerage selection, ETF basics, tax residency considerations, and common mistakes.
- [Pillar 3 111bis vs World ETF](https://smoney.lu/insights/pillar3-111bis-vs-world-etf): Framework comparing Luxembourg Pillar 3 pension products (111bis tax deduction) with global ETF investing. Includes decision criteria, tax implications, and portfolio allocation considerations.
- [Luxembourg Impatriate Regime](https://smoney.lu/insights/luxembourg-impatriate-regime): Guide to Luxembourg's impatriate tax regime, eligibility criteria, and how it affects investment planning for newly arrived professionals.
- [Why You Need a Written Investment Plan](https://smoney.lu/insights/why-you-need-a-written-investment-plan): Why a one-page investment plan written on a calm day protects returns on the few panicked days each decade that do the real damage, with the six lines it should contain.
- [IBKR Fixed vs Tiered: The Exact Math for ETF Investors](https://smoney.lu/insights/interactive-brokers-fixed-vs-tiered): The exact formula behind Interactive Brokers' Fixed and Tiered plans on Xetra ETF orders, the sizes where each wins, and the SMART vs direct routing setup for Luxembourg retail ETF investors.

## Key Facts

- Location: Luxembourg
- Entity: Smart Money Growth S.a r.l.-S
- Model: Independent, non-advisory investment education. One-time engagements, not ongoing dependency.
- Target audience: High-net-worth professionals and expats in Luxembourg
- Founder: Romain Lucas
- Contact: romain@smartmoneygrowth.eu
- Website: https://smoney.lu