Fee-only. No commissions. No products to sell.
Loci is not yet registered with the CMVM. No investment advice is provided until registration is granted.
The Loci Model
The problem
85–90% of European investors receive advice from institutions with a built-in conflict of interest. The independent alternative barely exists.
Most investment advice in Europe has a conflict of interest built in. 85–90% of advisors earn commissions from the products they recommend. The problem isn’t the bank, it’s that the advice isn’t truly independent.
Most financial institutions have no model designed for you. Your relationship manager has sales targets. The products they recommend pay them fees. And no one is looking at your full picture — your property, your pension, your goals — and thinking long-term.
Execution-only platforms give you access, not a strategy. Most investors have money spread across accounts, properties, pensions and funds with no one diagnosing what is working, what isn’t, and why. Access is not advice. Presence is not a plan.
How it works
Working with Loci begins with understanding your life, not just your portfolio. We take the time to learn where you are, where you want to go, and what is standing in the way. From there, we build a strategy that is entirely yours and we stay with you for decades.
We will accept a limited number of clients in our first year. Reserve your place and we will reach out personally when we open — with an honest conversation about your complete financial picture.
Waitlist openWe analyse your current investments, asset allocation, liquidity requirements, risk exposure, tax situation and long-term objectives. From that diagnosis, we design a personalised strategy across asset classes, built on low-cost instruments, rigorous thinking and a long-term perspective.
Built around your lifeYou execute through your own bank or brokerage account. We bring the strategy, the macro perspective and the rational voice when markets move. As your life evolves, your portfolio evolves with it.
For decadesMission, Vision & Values
Mission
To make independent investment advisory accessible to every investor who deserves better than what the system currently offers.
Vision
An institution where investors build long-term wealth — free from conflicts, guided by rigour, and fully aligned with their goals.
We publish our thinking before you decide to work with us. No hidden agendas. No surprises. What you see is what you get.
We say what we believe, not what you want to hear. Honest analysis, always. No forecasts dressed as certainty. No theatre.
We think in decades, not quarters. Every recommendation we make considers where your wealth will be in 20 years — not 20 days.
Every decision we make asks one question: is this in our client’s best interest? Not the bank’s. Not the fund’s. Yours.
Not owned by a bank. Not funded by commissions. Not tied to any product provider. Answerable only to the people we serve.
Our fee is a percentage of your assets. The better your portfolio performs, the more we earn. Our growth is inseparable from yours.
Loci Briefing
Loci Briefing is our free publication on independent investing for the European investor. Published fortnightly — no noise, no forecasts, no conflict of interest. Just rigorous, honest thinking.
Subscribe — FreeAllocation
The Case for a Permanent Capital Markets Allocation in a European Retirement Portfolio
Most Europeans are underinvested in capital markets. The data and the logic is compelling.
Independence
The Advice Gap: How Distribution Conflicts Keep Europeans Out of Capital Markets
The EU’s own data shows that distribution conflicts cost European investors billions. Here’s how.
Regulation
What “Independent Advice” Actually Means Under EU Law — And Why It Matters for Your Portfolio
MiFID II created a legal standard for conflict-free advice. Most Europeans have never experienced it.
Get started
hello@loci.capital · For investors resident in Portugal with €250k+
Joining the waitlist is not a request for investment advice.