What is LSTP?
LSTP is a Financial Investment Consulting firm and Insurance Broker based in Toulouse. With a focus on personalized support, LSTP specializes in guiding both individuals and businesses toward achieving their wealth objectives. Offering expert advice on top-tier financial investments, loans, and insurance, the firm thrives on competence, pedagogy, and exemplarity. Its approach is simple yet effective – every project is unique, and factors such as the investment horizon, liquidity needs, transmission objectives, and tolerance for volatility are taken into account. This tailored method, along with a strong commitment to socially and environmentally responsible investments – including placements, épargne, finance, crédit, immobilier, ISR, Greenfin, Assurance-vie, PEA, PER, and PEE – sets LSTP apart.
Main Benefits & Commitments
The benefits and commitments of LSTP speak volumes about its mission-driven approach. Key figures and facts include:
- Donation of a minimum of 2% of revenue to charitable associations.
- Each team member commits to performing 10 hours of volunteer work per month.
- A systematic offering of at least 15% of socially or environmentally responsible investments.
- Active compensation for CO2 emissions generated during the company’s activities, including transport, heating, and IT, by creating carbon sinks in Occitanie.
- A commitment to reduce these emissions by 3% per year starting from 2021.
- An eco-responsible and accessible website designed for all audiences, including those with disabilities.
- Bcorp score of 82.1 – a testament to its sustainable and ethical business practices.
Personalized Financial Solutions
Each financial project handled by LSTP is as unique as the client it serves. The firm recognizes that the world of investments can seem overwhelming, especially in a landscape filled with ever-changing market dynamics. To address this, LSTP builds personalized strategies that empower clients to take full ownership of their financial journey. Whether the focus is on placements, épargne, or innovative assets like ISR and Greenfin, LSTP navigates discussions around Assurance-vie, PEA, PER, and PEE with clarity and precision. The consultation process often includes a meeting to carefully assess the client’s needs – a step that ensures each solution aligns perfectly with the desired risk tolerance and long-term objectives… All this is done with a deep knowledge of asset allocation and market trends.
Insurance: The Foundation of Wealth
Insurance is at the core of LSTP’s approach to building robust wealth projects. Recognizing that every individual or business is exposed to risks – both known and unforeseen – LSTP treats insurance as the cornerstone of financial security. The philosophy is straightforward: address the multitude of risks that may arise to secure a client’s prosperity. Instead of fixating on tangential subjects like works of art or fine wine, the firm zeroes in on concrete financial foundations. It emphasizes the need to not only insure one’s assets but also continuously adapt to an evolving risk landscape, ensuring that protection is always in place.
Optimizing Fiscal Strategies
Tax optimization forms an integral part of the wealth strategy presented by LSTP. The firm understands that reducing taxes can be a powerful means to achieve investment goals – though it is never an end in itself. By conducting thorough homework on applicable taxation frameworks, LSTP identifies and implements tailored solutions that directly contribute to the growth and preservation of wealth. Discussions on fiscal efficiency are coupled with an emphasis on transmission planning and legal considerations, ensuring a holistic approach to financial management. This multifaceted strategy guarantees that every client’s portfolio is built for both present comfort and future sustainability.
Project Impact and SDGs
- SDG 13: Climate Action – The commitment to compensating CO2 emissions and creating carbon sinks in Occitanie highlights a proactive stance in mitigating climate change.
- SDG 12: Responsible Consumption and Production – With a systematic offering of socially and environmentally responsible investments, LSTP emphasizes better consumption practices.
- SDG 8: Decent Work and Economic Growth – Through volunteer work and active community engagement, LSTP contributes to sustainable economic development.
- SDG 17: Partnerships for the Goals – By collaborating with a wide range of partners in banking, assurance, and real estate, LSTP strengthens its commitment to building inclusive and dynamic financial solutions.
Expertise and Team Commitment
The strength of LSTP lies not only in its cutting-edge financial strategies but also in the expertise and background of its team. With a foundation built at prestigious institutions – including graduation from EDHEC and advanced studies at ESCP Europe – the team brings deep legal, financial, and tax expertise to the table. The journey includes significant stints at major players like EY and HDF (now part of Rothschild & Cie), which have contributed to shaping a nuanced understanding of the asset management landscape. Since its creation in 2012 in Toulouse, LSTP has continuously evolved, combining technical insight with a genuine passion for helping clients secure and grow their wealth. This rich tapestry of experiences, coupled with a genuine commitment to responsible practices, gives LSTP the edge in delivering both sophisticated and accessible financial advice… truly a firm that understands the art and science of investing.
