THE UNCOMFORTABLE TRUTH

Your Money is Working Hard, Just Not For You

Here's the brutal math on what a "small" fee is costing you.

Calculate the true cost of the industry products, and get access to my free Rational Investor program: The first evidence-based resource for Europeans, to eliminate the costs, and reclaim that lost wealth.

Bringing back Clarity and Simplicity into Finance

Empowering rational investors in Europe to build their own investment strategies. Evidence-Based, Low-Cost, Minimum Complexity, No Conflicts.

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 these exact frameworks to manage their wealth.This calculator is a 100% free educational tool, the first step in helping you reclaim your financial independence.

A Proven Evidence-Based Practice in Luxembourg

640+

Local Members in the Lux Finance Circle

20+

Live Events and Workshops Hosted since 2023

150+

Free Frameworks & Videos Published Online

Our Growing Community of Rational Investors

You Deserve to Know the Truth.

We believe the path to financial independence is built on empowerment and integrity, not on hidden fees and confusing products.You deserve to see the true numbers so you can take back control.Use the calculator to see your number, and get access to my free Rational Investor program: an evidence-based educational program to build your independence from the conflicted system.

© Smart Money Growth. All rights reserved. Smart Money Growth and Romain provide financial education and mentoring services. We do not provide investment advice, individual recommendations, or manage investments on behalf of clients. The information shared on this website, the guide, during workshop/strategic sessions, mentorship sessions or through any other content is for informational and educational purposes only. It is not intended to constitute legal, tax, or investment advice, nor an offer or solicitation to buy or sell any financial product. Each individual is responsible for their own investment decisions. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional.

THE UNCOMFORTABLE TRUTH

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© Smart Money Growth. All rights reserved. Smart Money Growth and Romain provide financial education and mentoring services. We do not provide investment advice, individual recommendations, or manage investments on behalf of clients. The information shared on this website, the guide, during workshop/strategic sessions, mentorship sessions or through any other content is for informational and educational purposes only. It is not intended to constitute legal, tax, or investment advice, nor an offer or solicitation to buy or sell any financial product. Each individual is responsible for their own investment decisions. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional.