FiNUM

What FiNUM does

FiNUM.Private Finance AG is an Austrian independent financial advisory firm headquartered in Vienna and founded in 1995. The company delivers three integrated advisory service pillars — Versicherungsberatung (insurance advisory), Finanzierungsberatung (financing advisory), and Vermögensberatung (wealth advisory) — to private customers, entrepreneurs, physicians, and small/medium business clients across Austria. FiNUM is structured as a distributed advisory network: advisors (FiNUM-Berater) are self-employed entrepreneurs who hold their own business licenses and operate under the FiNUM brand across eight Austrian office locations (Wien, Niederösterreich, Graz/Steiermark, Innsbruck/Tirol, and Vorarlberg), serving more than 30,000 customers with assets under advisory exceeding EUR 1 billion. The product offering includes insurance products (health, life, occupational disability, cyber, and specialized doctor insurance), financing solutions (real estate, construction, and practice financing), and investment products (equity, bond, mixed, sustainability, and real estate funds, ETFs, unit-linked life insurance, and fund savings plans). The firm has developed a proprietary Nachhaltigkeitskompass (Sustainability Compass), a four-tier color-coded classification system (brown, white, light green, dark green) for ESG evaluation of investment products that exceeds EU taxonomy disclosure requirements. Securities advisory and brokerage licensing is provided through a partnership with TopTen Wertpapier GmbH under the German Wertpapierinstitutsgesetz (WpIG), and a German branch (TopTen, Zweigniederlassung der FiNUM.Private Finance AG) has been established in Berlin.

Revenue is generated entirely through commissions (Provisionen) paid by product partners — insurance companies, banks, and fund providers — upon successful product mediation; customers are not charged direct advisory fees and the initial consultation is free and without obligation. The firm maintains a digital-plus-personal go-to-market, combining Calendly-enabled appointment booking, a content-marketing blog, newsletter distribution, LinkedIn/Facebook/Instagram/YouTube presence, and a recurring "Kapitalmarkt-Update" webinar series led by financial expert Michael Scherling. The management board comprises Mag. Ali Eralp, Martin Kliment, and Phillip Hartmann, with a supervisory board chaired by Ralph Konrad. There is no proprietary technology platform disclosed; the core technology is human expertise (EFA and CFP certified advisors), supported by standard industry tools such as Calendly and a public-facing Kreditrechner (loan calculator). The firm holds GDPR compliance and operates under the Austrian Gewerbeordnung for commercial wealth management with insurance mediation permissions.

Name

FiNUM

Legal name

FiNUM.Private Finance AG

Website

https://finum.at

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

FiNUM.Private Finance AG is a Vienna-based independent financial advisory firm founded in 1995, delivering insurance, financing, and wealth advisory services to over 30,000 private customers, physicians, and entrepreneurs in Austria through a network of EFA/CFP-certified self-employed advisors across 8 locations.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Personal Credit Institutions (6141)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Private Banking Business Owners & Entrepreneur Solutions (Liquidity Events, Pre-IPO) (FSABADAK)

Keywords

• Financial advisory services
• Wealth management consulting
• Insurance brokerage services
• Investment fund advisory
• Financing consultation

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from product partners: FiNUM and its advisors receive commissions (Geldzahlungen/Provisionen) and other monetary advantages from product partners (insurance companies, banks, financial institutions) when a customer concludes a product through FiNUM's mediation. This is the primary revenue model — fee-free for the customer, paid by the product partner.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

FiNUM.Private Finance AG is an independent Austrian financial advisory firm offering three integrated service pillars: Vermögensberatung (wealth advisory covering funds, ETFs, real estate investments, and unit-linked life insurance), Finanzierungsberatung (financing advisory including real estate, construction, and practice financing), and Versicherungsberatung (insurance brokerage covering health, life, disability, cyber, and specialized doctor and manager insurance). The company is insurance- and bank-independent and mediates financial products from hundreds of product partners through a network of EFA® and CFP® certified self-employed advisors. A dedicated FiNUM.Business division serves entrepreneurs with corporate financial planning, business succession, and employee benefit solutions.

Product overview

FiNUM.Private Finance AG operates as an independent financial advisory firm in Austria offering three integrated service pillars: Versicherungsberatung (insurance advisory), Finanzierungsberatung (financing advisory), and Vermögensberatung (wealth advisory). The product portfolio includes investment products (stock funds, bond funds, mixed funds, sustainability funds, real estate funds, ETFs, fund savings plans, unit-linked life insurance), financing solutions (real estate financing, construction loans, credit calculator), insurance products (health, accident, life, disability, cyber, and specialized doctor insurance), and real estate investments. A proprietary tool called the Nachhaltigkeitskompass (Sustainability Compass) provides ESG-based classification of investment products. The company is insurance and bank independent, serving over 30,000 customers with assets under management exceeding 1 billion euros across 8 Austrian locations.

Differentiator

Problem solved

Functional benefit

Brands

• FiNUM.Business: Business-focused financial advisory services for entrepreneurs and companies
• FiNUM.Business

Products and services

• Vermögensberatung (Wealth Advisory) Comprehensive wealth advisory service for private customers covering investment consulting, fund selection (equity, bond, mixed, sustainability, real estate funds, ETFs, fund savings plans), unit-linked life insurance, and real estate investments (investor apartments, construction models, prime investment). Provided by EFA® and CFP® certified advisors across 8 Austrian locations.
• Finanzierungsberatung (Financing Advisory) Independent financing advisory covering real estate financing, construction loans, apartment financing, and specialized practice financing for physicians (Praxisfinanzierung). Includes online loan calculator (Kreditrechner) for comparing financing scenarios. Available across all 8 Austrian regional offices.
• Versicherungsberatung (Insurance Advisory) Independent insurance brokerage covering private health, children's health, accident, family accident, household, life, unit-linked life, occupational disability, death, commercial legal protection, and cyber insurance. Includes specialized packages for physicians (Ärztehaftpflicht, Rechtsschutz, Ordinationsversicherung, Unfallversicherung, Krankenversicherung, Betriebsunterbrechung), freelancers (BUFT), and managers (Manager-Rechtsschutz, Manager-Haftpflicht D&O).
• FiNUM.Business Dedicated business advisory division led by Managing Director Stefan Weber, serving entrepreneurs, business owners, and their employees. Covers business succession planning, employee retention through pension commitments (Pensionszusage) and employee welfare funds (Mitarbeitervorsorgekassa), profit allocation structuring (Gewinnfreibetrag), and integrated corporate financial planning across insurance, financing, and wealth.

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• TopTen Wertpapier GmbHcoreChannel Partner/ Reseller/ DistributorFiNUM.Private Finance AG operates as a contractually bound agent (vertraglich gebundener Vermittler) of TopTen, a securities firm (Zweigniederlassung der FiNUM.Private Finance AG, Berlin). TopTen provides the regulatory license for securities-related services (Anlageberatung and Anlagevermittlung) under GermanWpIG, enabling FiNUM advisors to provide investment advisory and securities mediation services. TopTen is registered with the FMA (Finanzmarktaufsicht) and BaFin.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Regional players

• VZ VermögensZentrum: Swiss-headquartered independent financial advisory firm; similar 'honorar' (fee-based) and product-broker model serving affluent customers in the DACH region but operating primarily in Switzerland with cross-border German presence.

Broad incumbents

• Erste Group Bank / s Versicherung: Major Austrian banking and insurance group (Erste, Sparkassen) whose tied financial advisor network and insurance-brokerage arm overlap with FiNUM's Austrian customer segments and product categories.
• Wüstenrot Bausparkasse / Wüstenrot & Württembergische: Large DACH financial services group offering building society, insurance, and financial advisory through tied agents; broader portfolio player with overlapping wealth and insurance advisory capabilities.

Emerging players

• Scalable Capital: Digital wealth manager / robo-advisor active across Germany and Austria; represents the adjacent digital-native threat competing for the same younger affluent customer segments FiNUM targets with wealth advisory.

Direct peers

• MLP SE: Germany's leading bank- and insurance-independent financial advisory network, with a similar model of self-employed/certified advisors serving academics, physicians, and other affluent professionals — directly comparable in target customer, multi-location GTM, and integrated wealth/insurance/financing offering.
• Deutsche Vermögensberatung (DVAG): Largest independent financial advisory network in Germany with a multi-tier direct-sales structure, offering insurance, building society, and investment products; directly comparable to FiNUM in independent intermediary model and target segments.
• Swiss Life Select: DACH financial advisory network (also with Austrian operations) offering wealth, insurance, and financing advisory through independent advisors, with similar product-broker relationships and certified advisor base; comparable Austrian/DACH footprint and customer segments.
• tecis Finanzdienstleistungen: German financial services distributor providing insurance and investment intermediation through a network of independent advisors; directly comparable independent-advisor model and commission-based revenue stream.
• Bonnfinanz: German insurance and financial services brokerage network with self-employed agents; comparable in tied-agent structure, holistic insurance and wealth advisory, and physician/professional segment focus.
• Horbach Wirtschaftsberatung: Independent German financial advisory group with a focus on academics and high-income earners; directly comparable customer persona, independent intermediary model, and integrated wealth/insurance product offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCGrUb7fd_PEIjdffI6sS5JA
• Facebookfacebook.com/FinumOesterreich
• Instagraminstagram.com/finum_austria

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 FiNUM