HRK LUNIS

What HRK LUNIS does

HRK LUNIS AG is a Frankfurt-headquartered, BaFin-regulated independent (bankenunabhängig) wealth manager serving affluent private clients, entrepreneurs, families, foundations, institutional investors, and UHNWI/family offices across Germany. The firm was formed in July 2023 through the merger of Huber, Reuss & Kollegen Vermögensverwaltung GmbH and LUNIS Vermögensverwaltung AG and manages over €8.5 billion in AUM as of June 2026, distributed across nine German offices in Frankfurt, Munich, Berlin, Hamburg, Düsseldorf, Hanover, Stuttgart, Ingolstadt, and Schonungen. Services are organized around Individuelle Vermögensverwaltung (individual wealth management from €500K), SmartValue Strategie Vermögensverwaltung (multi-strategy ETF portfolios from €100K), Institutionelle Vermögensverwaltung & Spezialmandate (from €5M), Anlageberatung, Stiftungsmanagement, Private Markets (PE/VC access), and the WERTIQ Family Office sub-brand, plus the Next Gen Advisors service for younger entrepreneurs.

The company's revenue model is fee-based and recurring: annual management fees of 0.8%–1.5% of AUM, with no product commissions, alongside investment advisory mandates and institutional mandates. Distribution is direct and high-touch, with personal advisors at each location supported by a proprietary client portal and HRK LUNIS mobile app (built with FinaSoft GmbH) for portfolio reporting, secure document exchange, and biometric login. HRK LUNIS differentiates through an in-house investment team of analysts, portfolio managers, and fund managers with special competence in Spezialfonds for entrepreneurs; bank-independence ensuring objective advice; 25+ years of private-markets network access; and broad employee co-ownership (many of the 120+ staff are Miteigentümer) aligning advisor incentives with clients. Since September 2025, majority ownership sits with private equity firm Seven2, supporting continued inorganic growth, and the firm has expanded via the ProVidens (Hamburg, 2024) and GS&P (Düsseldorf, 2025) acquisitions.

Name

HRK LUNIS

Legal name

HRK LUNIS AG

Website

https://hrklunis.de

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

101–250 employees

Short description

HRK LUNIS AG is a Frankfurt-based, BaFin-regulated independent wealth manager managing over €8.5 billion across nine German offices for affluent private clients, entrepreneurs, families, foundations, and institutional investors via recurring AUM-based fees.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)

akta.pro secondary industries

Institutional Separate Accounts & SMAs (Mandates) (FSAAAGAL), Managed Accounts & Unified Managed Accounts (UMAs) — Multi-Asset (FSAAAJAE), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG)

Keywords

• Wealth management
• Asset management
• Portfolio advisory
• Private banking
• Institutional investing

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Fees: Annual management fees calculated as a percentage of assets under management (AUM). The fee covers analysis and strategy development, portfolio implementation, ongoing risk management, reporting, personal advisory, and portfolio monitoring.
2. Investment Advisory Fees: Fees for investment advisory mandates where clients make their own investment decisions but receive proactive, continuous support based on their individual investment profile.
3. Institutional Mandate Management: Customized mandate solutions for institutional investors such as pension funds, foundations, and family offices with minimum investment volumes of 5 million EUR.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels10 records

Core offering

HRK LUNIS AG is a bank-independent (bankenunabhängig) wealth manager offering tailored investment management, advisory, foundation management, private markets access, and family office services. The firm serves affluent private clients, entrepreneurs, families, foundations, and institutional investors with customized portfolio strategies, transparent fee-based pricing (0.8%-1.5% of AUM), and minimum investment thresholds ranging from 100,000 EUR (SmartValue ETF) to 5 million EUR (institutional mandates). Operations span nine German offices with an in-house investment team of analysts, portfolio managers, and fund managers managing over 8.5 billion EUR in assets.

Product overview

HRK LUNIS AG operates as a bank-independent wealth manager offering a comprehensive suite of services for private clients, entrepreneurs, families, and institutional investors. The core offering includes Individuelle Vermögensverwaltung (tailored wealth management from 500,000 EUR), SmartValue Strategie Vermögensverwaltung (multi-strategy solutions from 100,000 EUR), and Institutionelle Vermögensverwaltung & Spezialmandate (institutional services from 5 million EUR). Supporting services include Anlageberatung (advisory), Private Markets (PE/VC access), Stiftungsmanagement (foundation management), WERTIQ Family Office (standalone Munich-based family office), Next Gen Advisors (young entrepreneur advisory), and Liquiditätsmanagement. The company also provides a proprietary HRK LUNIS App for mobile client portal access and manages the ARBOR INVEST SPEZIALRENTENFONDS bond fund.

Differentiator

Problem solved

Functional benefit

Brands

• WERTIQ Family Office: An independent, bank-independent Family Office in Munich focusing on strategic wealth planning, total wealth controlling, digital accounting, real estate management, pension and generational planning, and foundation management. WERTIQ also writes tenders for private, institutional, and sustainable asset management mandates to help clients select the right bank or asset manager.
• SmartValue
• Next Gen Advisors

Products and services

• Individuelle Vermögensverwaltung (Individual Wealth Management) Tailored discretionary wealth management for affluent private clients, entrepreneurs, and families with a minimum investment of 500,000 EUR. Includes personalized investment strategies, risk tolerance assessment, transparent fee model, comprehensive reporting, and exclusions of specific issuers, sectors, currencies, or regions as desired.
• SmartValue Strategie Vermögensverwaltung Strategy-based wealth management using actively managed portfolios diversified across multiple asset classes, offering three to four strategies with different return/risk profiles. SmartValue ETF-Strategie accessible from a minimum of 100,000 EUR investment.
• Institutionelle Vermögensverwaltung & Spezialmandate Specialized institutional wealth management for pension funds (Pensionskassen), insurance companies (Versicherungen), Versorgungswerke, and large family offices, plus special mandates for ultra-high-net-worth individuals. Includes situation analysis, individual sustainable investment solutions, capital market analysis, and active risk management, with a minimum investment volume of 5 million EUR.
• Anlageberatung (Investment Advisory) Investment advisory service for securities-savvy clients who wish to make their own investment decisions. Provides proactive, continuous support based on individual investment profiles, with trading impulses for short-term market opportunities. Minimum investment of 500,000 EUR.
• Private Markets Access to private equity and venture capital investments through selected partnerships, enabling strategic asset allocation for long-term balanced portfolios. Leverages 25+ years of network building for exclusive access to top-tier PE/VC funds otherwise closed to new investors.
• Stiftungsmanagement & Stiftungsberatung (Foundation Management & Advisory) Professional foundation asset management ensuring secure and sustainable profitable investment of foundation assets for Stifter and foundations. Minimum investment of 500,000 EUR, with focus on long-term capital preservation and regulatory compliance.
• WERTIQ Family Office Independent bank-independent family office based in Munich offering strategic wealth planning, total wealth controlling, digital accounting, real estate management, pension and generational planning, and foundation services. Also writes tenders for private, institutional, and sustainable asset management mandates.
• Next Gen Advisors Advisory service targeting rising young entrepreneurs interested in innovative financial topics including Private Equity, cryptocurrencies, NFTs, and Impact Investing. Offers financial education, financial planning, networking, and workshops.
• Liquiditätsmanagement (Liquidity Management) Cash management service utilizing interest-bearing money market accounts through partner custodian banks for client portfolio liquidity needs.
• ARBOR INVEST SPEZIALRENTENFONDS Special bonds fund (WKN A1XEEX) managed by HRK LUNIS's Fixed Income team, focusing on hidden opportunities in the bond market. Won the Goldener Bulle award in 2023 and named best in its class in 2022.

Quantifiable outcome

• Assets under management grew from approximately 5 billion EUR (August 2023) to over 8.5 billion EUR (June 2026)
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Grossbötzl, Schmitz & Partner (GS&P)coreStrategic or Co-development Partner · 17 April 2025Renowned wealth management firm from Düsseldorf joined the HRK LUNIS Group. The integration strengthens HRK LUNIS's presence in the economically significant Rhine-Ruhr region of North Rhine-Westphalia. Existing client relationships continue with familiar advisors while benefiting from expanded service offerings.
• WERTIQ Family OfficeminorStrategic or Co-development PartnerIndependent Family Office in Munich offering strategic wealth planning, total asset controlling, digital accounting, real estate management, retirement and generational planning, and foundation services. Part of the HRK LUNIS Group ecosystem.
• Dr. Bittner Consulting GmbH & Co. KGminorOthersData protection officer (Datenschutzbeauftragter) for HRK LUNIS AG, located at Podbielskistraße 386, 30659 Hannover.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Berenberg: Hamburg-headquartered private bank with a long-established wealth and asset management division serving HNW private clients, entrepreneurs, and institutional investors. Comparable in serving German HNW/UHNW clients via multi-advisor model and a Hamburg office footprint like HRK LUNIS.
• DJE Kapital: Pullach-based independent German asset manager with discretionary portfolio management for private and institutional clients. Comparable as a German bank-independent manager focused on long-term wealth strategies with proprietary in-house investment research.
• Donner & Reuschel: Hamburg-headquartered German private bank with private banking, wealth management, and asset management for private clients, foundations, and institutional investors. Comparable as a regional bank-independent German WM with foundation management and special-mandate capabilities.
• Flossbach von Storch: Cologne-based independent German asset manager offering multi-asset discretionary wealth management and funds. Highly comparable: bank-independent model, similar HNW/UHNW target client base, similar fee-based structure, and overlap on multi-strategy/SMA offerings.
• Bankhaus Metzler: Frankfurt-based German private bank (founded 1674) with wealth management and capital markets services for HNW private clients, family offices, and institutional investors. Comparable as a Frankfurt-anchored, relationship-driven German wealth manager with similar discretionary mandate offerings.
• Bethmann Bank (ABN AMRO): Frankfurt-headquartered German private bank (part of ABN AMRO) providing wealth management for affluent private clients, family offices, and foundations. Comparable across customer segments, multi-office footprint, and foundation-management capabilities.
• Merck Finck Privatbankiers: Munich-based German private bank (part of Oddo BHF) offering private banking and wealth management to private clients, families, foundations, and institutions. Comparable across client segments, foundation management focus, and multi-city German footprint.
• Hauck & Aufhäuser: Frankfurt-based private bank offering private banking, wealth management, and asset management services to HNW individuals, families, and institutions. Comparable in serving similar client segments with bespoke portfolio mandates and a strong Frankfurt presence like HRK LUNIS.

Broad incumbents

• Deutsche Bank Wealth Management: Wealth management division of Deutsche Bank, serving HNW and UHNW private clients, family offices, and institutions globally with a full suite of banking, lending, and investment products. Comparable on client segments and discretionary mandates, but broader product breadth and balance-sheet capabilities than HRK LUNIS.
• UBS Wealth Management (Germany): Global wealth manager with a substantial German private client / family office franchise. Comparable in serving HNW/UHNW German clients and family offices with discretionary mandates, but operates at materially larger scale and offers global product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hrk-lunis-ag
• Instagraminstagram.com/hrk_lunis_ag

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries3 records

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 HRK LUNIS