Guelt Investments

What Guelt Investments does

Guelt Investimentos AI Ltda. is a private, CVM-registered investment advisory firm headquartered in Leblon, Rio de Janeiro, with a second office in São Paulo. Founded in 2018 by Ana Paola Guetta and Patricia Bittencourt — partners since 1995 at Banco Icatu, with roots in a 2003 initiative to build the Wealth Management area of Bank of New York Mellon in Brazil — the firm operates an autonomous investment agent model within the XP Investimentos distribution platform. Its technology is a relatively conventional advisory platform integrated with XP's product and custody infrastructure, featuring Financial Planning XP, personalized portfolio management, and an NPS measurement system that has yielded an NPS of 96; there is no proprietary AI/ML layer disclosed.

Guelt serves two primary client segments: High Net Worth Individuals (from R$300k to R$10M+ in investable assets) and corporate clients (annual revenue above R$12M). Services span national and global investments, FX, banking, real estate partnerships, insurance, financing, consortium, financial education, and — for corporates — Investment Banking (DCM and M&A), FIDCs, derivatives, free energy market advisory, incentivized credit lines (FINEP, Lei do Bem, BNDES), tax intelligence, pension, and credit. Delivery is organized around four tiers (Signature, Unique, Private, Corporate) with tiered review cadences and access to exclusive funds and offshore structures for top-tier clients.

Revenue is generated through advisory fees and commissions on distributed financial products, insurance brokerage commissions via subsidiary Guelt Serviços Financeiros e Corretagem de Seguros LTDA, and corporate advisory fees, with no specific fee schedules publicly disclosed. Go-to-market is sales-led and referral-driven, supported by a multi-channel content engine (Blog Guelt, "Fala Guelt" podcast, YouTube, LinkedIn, Instagram, Facebook, industry events). The firm is CVM-registered under Resolution 178/23, LGPD-compliant, holds the XP Governance and Integrity Seal (2022-2024), and has won the Brazil Advisor Awards G20 "Best Investment Advisory Offices in Brazil" for four consecutive years (2021-2024) and "Best Private Office in Brazil" in 2023; the company does not disclose revenue, AUM, or funding.

Name

Guelt Investments

Legal name

Guelt Investimentos AI Ltda.

Website

https://gueltinvestimentos.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

Guelt Investimentos is a private, CVM-registered Brazilian investment advisory firm (founded 2018, HQ in Rio de Janeiro) serving HNW individuals (from R$300k to R$10M+ assets) and corporate clients (above R$12M revenue) via a four-tier service model, distributed through the XP Investimentos platform with offices in Rio and São Paulo.

Ownership category

akta.pro rank

Product category

Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), All Other Financial Investment Activities (52399), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL), Buy-Side Search & Acquisition Advisory (FSAEAIAD)

Keywords

• Investment advisory services
• Wealth management
• Global investments
• Foreign exchange services
• Investment banking advisory

Headquarters

HQ city

Leblon

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Investment Advisory Services: Revenue generated through advisory fees and commissions on financial products distributed to clients including investments, insurance, real estate partnerships, and credit solutions. Services provided through XP Investimentos distribution partnership.
2. Insurance Brokerage: Guelt Serviços Financeiros e Corretagem de Seguros operates as financial services company and insurance broker offering health and life insurance products.
3. Corporate Financial Solutions: Fees from corporate services including investment banking (DCM and M&A), tax intelligence, credit solutions, energy market consulting, and FIDC structuring.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Guelt Investments is an investment advisory office that curates and distributes a broad range of financial solutions for individual and corporate clients, including domestic and global investments, foreign exchange, derivatives, private credit instruments (FIDCs, precatórios), investment banking, insurance, pension, credit, and energy-market products. The firm operates through tiered service lines (Signature, Unique, Private, and Corporate) anchored by a partnership distribution model led by XP Investimentos. Its offering combines personalised advisory with content-driven client education via the "Fala Guelt" podcast and YouTube channel.

Product overview

Guelt Investimentos is a financial advisory firm offering a comprehensive portfolio of investment and financial services. The company provides services for both individual investors (pessoa física) and corporate clients (pessoa jurídica). For individuals, the core offerings include National Investments, Global Investments, Foreign Exchange, Banking, Real Estate Partnership, Health and Life Insurance, Financing, Financial Education, Consortium, and Financial Planning XP. For corporate clients, services include Judicial Prejudgments (Precatórios), Investments, Committed Operations, Free Energy Market, Exchange and Currency Hedges, Incentive Lines (FINEP, Lei do Bem, BNDES), Derivatives, FIDCs, Tax Intelligence, Investment Banking (DCM and M&A), Pension, Credit, Consortium, and Insurance. The company operates through a tiered service model: Signature (above R$ 300k), Unique (above R$ 3 million), Private (above R$ 10 million), and Corporate (annual revenue above R$ 12 million). Guelt is registered with CVM under Resolution 178/23 and maintains distribution partnerships with XP Investimentos.

Differentiator

Problem solved

Functional benefit

Brands

• Fala Guelt: The company's podcast featuring financial experts discussing economics, investments, entrepreneurship, and market insights.

Products and services

• Investimentos Nacionais (Domestic Investments) National-market investment products covering local asset classes for Brazilian individual and corporate clients.
• Investimentos Globais (Global Investments) International investment products providing Brazilian clients with exposure to global markets and overseas asset classes.
• Investimento Imobiliário (Real Estate Investment) Real-estate-related investment partnership products structured for clients.
• Operação Compromissada (Repurchase Agreement) Repurchase-agreement product providing short-term secured financing and liquidity management for clients.
• Câmbio e Travas Cambiais (Foreign Exchange and Currency Hedges) Foreign exchange services and currency-hedge structuring for clients with cross-border exposure or BRL risk management needs.
• Precatórios Advisory services for precatórios, the Brazilian court-ordered debt securities payable by public entities.
• Mercado Livre de Energia (Free Energy Market) Advisory access to Brazil's deregulated Free Energy Market for clients seeking alternative energy procurement and structured energy investment exposure.
• Linhas Incentivadas (Incentivised Credit Lines) Subsidised credit lines structured for clients as part of the firm's alternative-product catalogue.
• Derivativos (Derivatives) Structured derivatives access for hedging and tactical exposure strategies within client portfolios.
• FIDCs (Credit Receivables Investment Funds) Access to Brazilian FIDC credit-receivable investment funds as an alternative fixed-income instrument within the advisory catalogue.
• Inteligência Tributária (Tax Intelligence) Tax-intelligence advisory service delivering personalised tax planning perspectives alongside investment recommendations.
• Investment Banking Investment-banking services targeted at corporate and high-net-worth clients requiring capital-markets advisory support.
• Previdência (Private Pension) Private pension planning and PGBL/VGBL-style structured retirement solutions for clients.
• Crédito (Credit) Client credit advisory, including access to financing and structured credit solutions.
• Seguros (Insurance) Insurance advisory across Brazilian insurance products that complement broader wealth planning.
• Banking / Cash Management Banking and cash-management solutions, including day-to-day current account and transactional cash handling, supported through partner platforms.
• Financiamento (Financing) Financing solutions advised on by Guelt Investments for clients seeking structured credit and funding arrangements.
• Consórcio (Consortium) Advisory and access to consortium-based asset acquisition plans (consórcio) for Brazilian clients.
• Seguro Saúde e Vida (Health and Life Insurance) Health and life insurance advisory integrated with broader corporate and high-net-worth planning.

Quantifiable outcome

• NPS 96 - Excellence in customer satisfaction and service quality
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• XP InvestimentoscoreChannel Partner/ Reseller/ DistributorGuelt maintains a distribution partnership with XP Investimentos for selling financial products including investments, insurance, and other financial solutions. Guelt acts as an independent investment advisory office operating under XP's platform and distribution agreements.
• Bank of New York MelloncoreStrategic or Co-development PartnerGuelt was founded with the objective of structuring and managing the Wealth Management area of Bank of New York Mellon in Brazil, one of the world's largest custodians of resources.
• BNY MellonminorOthersOne of the custodian banks for client assets with available ombudsman contact 0800 725 3219
• BTG PactualminorOthersCustodian bank for client assets with available ombudsman contact 0800 722 0048
• BS2minorChannel Partner/ Reseller/ DistributorGuelt Serviços Financeiros is accredited as a foreign exchange correspondent through Banco BS2 S.A. providing currency exchange services to clients

Scale indicators5 records

Recent moves12 records

Expansion highlights6 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@GueltInvestimentos
• Facebookfacebook.com/gueltinvestimentos
• LinkedInlinkedin.com/company/gueltinvestimentos
• Instagraminstagram.com/gueltinvestimentos

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guelt Investments