Clarity for life's biggest financial decisions.
Independent financial planning for professionals, executives and internationally mobile families across Europe. See where you stand, where you're heading — and what to do next.
Independent. No products sold, no commissions earned. Just clear answers.
Built for lives that don't follow a template.
We specialise in financial planning designed around women's financial realities — and we welcome everyone.
Professionals & executives
You earn well, but your money sits idle — and no one has ever shown you the full picture.
Entrepreneurs & founders
Irregular income, equity, an eventual exit. Your personal finances deserve the same rigour as your business.
Expats & cross-border families
Accounts, pensions and property in more than one country. We bring it into one coherent plan.
Women at a turning point
A career move, a family, a purchase, a new country. We help you decide with numbers, not guesswork.
From uncertainty to a clear plan.
1 — See where you stand
A complete, honest picture of your net worth, income, savings and risks — across every account and country.
2 — Model your future
Projections of your wealth over 5, 10 and 30 years, and simulations of the decisions you're weighing.
3 — Decide with confidence
A personal Wealth Blueprint: your strategy, your scenarios, and a concrete 90-day action plan.
The questions that actually keep you up at night.
Because the numbers are different.
Traditional financial advice assumes an uninterrupted career, a single country and a male life expectancy. Real lives rarely fit that template.
Women live longer, are more likely to pause a career, and face persistent pay gaps — which means their financial plans must work harder. That's the expertise L Investit was built on.
And it makes us better planners for everyone. All are welcome.
Simple, human, rigorous.
Clarity Call
A free 30-minute conversation. You tell us where you are and what you're weighing. No preparation needed.
Deep dive
We map your full financial picture — assets, income, pensions, property, countries — and model your scenarios.
Your Wealth Blueprint
A clear, personal document: where you stand, projections, scenarios, risks and a 90-day action plan.
Ongoing partnership
Life changes. We review your plan as it does — before big decisions, not after.
Clarity, in their words.
"For the first time, I could see my entire financial life on one page — and exactly what to do next."
Client, 38Tech executive, Paris
"I was weighing a move to Madrid with accounts in three countries. L Investit turned chaos into a plan."
Client, 41Consultant, expat
"The Blueprint paid for itself before we finished the session. I finally know I'm on track."
Client, 34Founder, Berlin
Illustrative testimonials — to be replaced with real client quotes as the beta programme completes.
Good questions. Clear answers.
Is L Investit a bank or an investment platform?
No. We don't hold your money, sell financial products or earn commissions. We are an independent planning and consulting firm — our only incentive is giving you the clearest possible advice.
Is L Investit only for women?
No — everyone is welcome. We specialise in planning designed around women's financial realities (longer lives, career interruptions, pay gaps), and that rigour benefits every client.
Do you give regulated investment advice?
We provide financial planning, education and decision simulations. We don't recommend specific financial products. When your plan calls for regulated advice — tax, legal, mortgages, portfolio management — we tell you exactly what to ask and can coordinate with licensed specialists.
How much does it cost?
The first Clarity Call is free. The Wealth Blueprint is a flat €249 for our founding cohort of 15 clients (then €490) — no percentages, no hidden costs, and a satisfaction guarantee for founding clients.
I have finances in several countries. Can you help?
That's one of our core strengths. We regularly work with clients holding accounts, pensions and property across multiple European countries, and we work in English, French, Spanish and German.
What happens after I book a call?
You'll receive a short questionnaire so we make the most of your 30 minutes. On the call we discuss your situation and goals. If we can help, we propose a clear engagement. If we can't, we say so.
Your future deserves a plan, not a guess.
Book a free 30-minute Clarity Call. Leave knowing your next three moves.
One service. Done exceptionally well.
We'd rather deliver one thing at the standard of a private bank than ten things averagely. Everything starts with the Wealth Blueprint.
The Wealth Blueprint
"The one session that tells you exactly where you stand — and what to do next."
A short financial snapshot form before we meet. No account linking — just what you already know.
Live, on video, in your language — built around the one decision you want to resolve, with your full net worth as context.
8–12 personal pages: where you stand, your decision analysed through two or three scenarios, a 90-day action plan, and exactly what to take to which regulated specialist.
20 minutes, three weeks later, to check progress and answer what's come up. Included — most advisers at this price don't offer one.
Answer the question that matters now.
A session that tries to answer seven questions answers none of them well. Your Blueprint goes deep on one:
Buying a home
Can you afford it — here or abroad — and what does it really do to your long-term wealth?
Moving countries
A relocation, a new package, assets in two systems. What's the smart way to structure the move?
Family & career
Planning a family without compromising your financial security — with numbers, not anxiety.
A career change
A pivot, a sabbatical, part-time, your own business. What can you afford, and when?
Am I on track?
Retirement, financial independence, "enough". Leave with a number, a date and a plan.
A major money event
An inheritance, an equity windfall, a separation. Decide from a plan, not under pressure.
One flat fee. No percentages, ever.
The Wealth Blueprint
One-off. Everything included.
- Intake + 90-minute private session
- Your written Wealth Blueprint (8–12 pages)
- 20-minute follow-up call within 3 weeks
- Founding-client satisfaction guarantee
Founding pricing is honest, not fake urgency: in exchange we ask for candid feedback and — only if you're delighted — a testimonial. When the 15 places are gone, the fee becomes €490.
What we deliberately don't do.
Sell or recommend products
No funds, no insurance, no accounts. We frame the questions; regulated specialists name the products.
Manage your money
Your assets stay where they are, in your name, under your control. Always.
Replace specialists
Tax, legal, mortgages: your Blueprint tells you exactly what to ask a tax adviser, notary or broker — and we can refer you to vetted ones.
Not ready to book?Start with the free Wealth Calculator — see your trajectory in 60 seconds.
Try the calculatorOne question is enough.
Bring the decision you're weighing to a free 30-minute Clarity Call. We'll tell you honestly whether the Blueprint will resolve it.
See your financial future in 60 seconds.
Estimate your net worth trajectory — then test the decisions you're weighing.
Your situation
Your numbers deserve a real plan.This is a simplified estimate. Your Wealth Blueprint models your actual pensions, taxes, property and countries.
For education only. Assumes constant returns and contributions, before inflation, taxes and fees. Not investment advice — real planning accounts for far more.
Finance taught me the models. Life taught me the questions.
L Investit was founded by Lucia Horstmann after seven years in investment banking — and one recurring conversation.
Inside the banks, I built financial models for companies worth billions. Outside, the smartest people I knew — executives, founders, friends navigating moves between countries — were making their biggest personal decisions with no model at all. A home purchase on a gut feeling. A career break with no projection. A pension in one country, savings in another, and no one looking at the whole.
The advice industry didn't serve them. Banks wanted to sell them products. Advisers wanted minimum portfolios. And almost nothing was designed around the realities that shape many women's financial lives: longer retirements, career interruptions, pay gaps, mobility.
L Investit exists to close that gap: institutional-grade planning, made personal, independent and clear.
Three commitments.
Independence
We sell no products and take no commissions. Our advice has exactly one customer: you.
Clarity
If you can't explain your financial plan in two minutes, it isn't a plan. We translate complexity into decisions.
Honesty
We tell you what the numbers say — including when the answer is "wait", "no", or "you don't need us for this."
Let's look at your numbers together.
A free 30-minute call. Honest answers, whatever they are.