DAT

Name

DAT

Legal name

DAT Vermögensmanagement GmbH

Website

https://dat-ag.de

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Wealth Management and Family Office Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Discretionary Portfolio Management (DPM) (FSAAABAC)

akta.pro secondary industries

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)

Keywords

• Fee-based financial advisory
• Wealth management services
• Family office solutions
• Retirement planning advisory
• Estate planning services

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Honorarberatung (Fee-Based Advisory): DAT shifted from commission-based to fee-based advisory (Honorarberatung) in 2012. Clients pay for advisory services rather than product commissions. The firm offers '100prozentig kostentransparente Dienstleistung' (fully cost-transparent service). This model aligns advisor and client interests (DAT profits when the client profits).
2. Asset Management / Vermögensverwaltung: DAT earns fees on Assets under Management (AuM) — advisor participation in AuM fees was introduced in 2008 ('Beteiligung der Berater an den Assets under Management'). Assets managed amount to over 500 million euros across 16 countries, generating management and performance-related revenue.
3. Insurance & Financial Products Distribution: DAT acts as an insurance broker (§34d GewO) and real estate broker (§34c GewO) with commissions from insurance and financial product distribution through its partner network (FondsFinanz, Liechtenstein Life, PrismaLife, etc.).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

DAT Vermögensmanufaktur is a bank-independent financial services provider and Family Office that delivers holistic, fee-based (Honorarberatung) wealth advisory to affluent private clients. Its core offerings cover liquidity and investment management, real estate direct investments, credit management, retirement planning, and estate/inheritance planning. Services are delivered face-to-face through a German branch office network (Munich, Dresden, Chemnitz, Bamberg, Halle) with access to specialized investment products via partners DJE Kapital AG and Liechtenstein Life.

Product overview

DAT Vermögensmanufaktur is a bank-independent financial advisory and wealth management firm offering comprehensive advisory services rather than a unified software product. The company's core offerings include advisory services for liquidity and investment management, real estate direct investments, credit management, retirement planning, and estate/inheritance planning. They operate as a Family Office serving affluent private clients across 16 countries. Their product portfolio consists of specialized investment and insurance products sourced through partnerships (DJE Depot Chance for actively managed investments, Liechtenstein Life Wealth and Liechtenstein Life Invest for insurance-based retirement solutions), internal training infrastructure (DAT Academy with three modules for employee onboarding), and operational tools (I-Planner CRM for client management). The services are delivered through a network of five German locations in Munich, Dresden, Chemnitz, Bamberg, and Halle, with strategic partnerships providing specialized solutions in wealth management, insurance, real estate, and financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Honorarberatung – Fee-Based Wealth Advisory (Liquidity & Investment Management) Bank-independent, fully cost-transparent fee-based financial advisory (Honorarberatung) covering investment management, liquidity planning, and holistic financial concepts for affluent private clients and families. Replaced commission-based advisory in 2012 and now offered across all five German branch offices.
• Ruhestandsplanung (Retirement Planning) Equity-funded retirement provision ('Eigenkapitalgedeckte Ruhestandsversorgung') advisory with active asset allocation via Liechtenstein-based fund-linked insurance products (Liechtenstein Life Wealth and Liechtenstein Life Invest) and DJE-managed portfolios. Addresses the German pension gap (Versorgungslücke) for private clients.
• Vorsorge- und Nachlassplanung (Estate and Inheritance Planning) Coordinated estate and inheritance advisory including succession planning, asset protection, and cross-specialist coordination with affiliated inheritance lawyers (Anwaltskanzlei Brehm – Eva Brehm-Kecht) and tax advisors.
• Kreditmanagement (Credit Management Advisory) Independent credit and financing advisory for private clients, leveraging DAT's specialist financing partners including apoBank, Deutsche Bank Dresden, TerraSecur, and financing specialist René Schütz. Established as a specialty area in 2005.
• Immobilien Direktinvestitionen (Real Estate Direct Investments) Advisory on direct real estate investments for private clients, supported by DAT's real estate partner network including Dietz & Schader AG, Carestone Group, Domicil Real Estate, Wang-Köhler, and Immobilien Wittig covering existing properties, new builds, monument properties, and senior living real estate.
• Family Office Services Multi-generational family office services including intergenerational wealth management, estate coordination, succession planning, and integrated advisory across tax, legal, insurance, and real estate specialists for wealthy families across generations.

Quantifiable outcome

• Managed assets of over €500 million across 16 countries
• +3 more outcomes

Named customers7 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

Feature2 records

Partnerships

15 partnerships are on record, tiered core and minor.

• DJE Kapital AGcoreStrategic or Co-development PartnerDJE Kapital AG is DAT's primary asset management partner. DAT has worked with DJE for many years, providing clients access to DJE's fund management and the 'DJE Depot Chance' / 'DJE Multi Flex' strategies. DJE's FMM method (Fundamental, Monetary, Market Technical analysis) underpins DAT's investment approach. DAT's clients receive access to DJE's exclusive wealth management typically reserved for clients with minimum deposits of €3 million. DJE was named 'Elite der Vermögensverwalter 2026'.
• Liechtenstein Life (LLA)coreTechnology or IntegrationLiechtenstein Life (LLA / Partner Life) is DAT's primary insurance partner for fund-linked retirement provision (fondsgebundene Altersvorsorge / Lebensversicherung) in Liechtenstein. DAT offers Liechtenstein Life Wealth (inheritance-oriented) and Liechtenstein Life Invest (flexible retirement) products. Liechtenstein provides favorable legal and tax frameworks, including 'Sondervermögensschutz' (special asset protection) and protection from third-party access.
• FondsFinanzminorChannel Partner/ Reseller/ DistributorFondsFinanz is a broker pool (Maklerpool) that provides DAT access to a broad range of insurance and investment products. DAT advisors use FondsFinanz's 'Wissenswelt' platform and standard broker contract processes managed through Klaus Böhnert at DAT.
• IT TraegerminorOthersIT Traeger provides IT support services to DAT, including hardware, software, and technical support. Contact: [email protected], Tel: 08031282290, Gießereistraße 6, 83022 Rosenheim.
• IT TraegerminorOthersExternal IT support and managed services provider ensuring DAT's technology infrastructure including iPlanner, SharePoint portals, and internal systems operate reliably.
• Dietz & Schader AGminorChannel Partner/ Reseller/ DistributorReal estate partner specializing in existing properties (Bestandsimmobilien) across Germany. Stefan Dietz (Board) serves as primary contact. DAT uses Dietz & Schader's sales portal (vertrieb.dietz-schader.de) for property listings.
• Carestone Group GmbHminorChannel Partner/ Reseller/ DistributorReal estate partner specializing in senior living and care properties (Seniorenwohn- & Pflegeimmobilien). Vincent Ostrowsky serves as sales support contact. Access via Carestone partner portal (vp.carestone.com).
• Domicil Real Estate GroupminorChannel Partner/ Reseller/ DistributorReal estate partner for existing and new-build properties (Bestands- & Neubauimmobilien). Daniel Preis (Board) serves as contact. Accessible via Domicil's sales portal.
• Wang-KöhlerminorChannel Partner/ Reseller/ DistributorReal estate partner specializing in monument properties (Denkmalimmobilien), existing properties, and new construction projects in the New Federal States (neue Bundesländer).
• Immobilien Wittig (Udo Wittig)minorChannel Partner/ Reseller/ DistributorReal estate partner for existing properties in Dresden and surroundings. Operates under dresden-invest.com. Also references Immo.Klara for additional listings.
• TerraSecur GmbH (Tino Faust)minorChannel Partner/ Reseller/ DistributorFinancing partner specializing in real estate and practice financing (Immobilien- u. Praxisfinanzierungen). Offers comprehensive product range including new construction, modernization, forward loans, and installment loans with access to a broad mortgage market through extensive banking contacts.
• apoBank (Holger Lück)minorChannel Partner/ Reseller/ DistributorapoBank serves as financing partner for real estate and practice financing for healthcare professionals and the health market (Heilberufe und Gesundheitsmarkt). Holger Lück serves as contact. apoBank independently creates advisory protocols.
• René SchützminorChannel Partner/ Reseller/ DistributorBanking specialist and financing expert (Bankkaufmann – Sparkassenbetriebswirt – Finanzierungsspezialist) providing real estate financing advisory. Operates a 10-step financing process and works with Europace for commission settlement. Works with ING for forward loans up to 5 years.
• Eva Brehm-Kecht (Anwaltskanzlei Brehm)minorImplementation/ SI/ Consulting PartnerLawyer specializing in inheritance law and banking and capital market law (Anwältin für Erbrecht & Bank- und Kapitalmarktrecht). Provides estate planning and inheritance law advisory as part of DAT's Nachlassmanagement (estate management) service offering.
• Deutsche Bank Dresden (Jan Lehmann)minorChannel Partner/ Reseller/ DistributorDeutsche Bank Dresden serves as a financing partner for real estate financing (Immobilien-Finanzierungen), providing DAT clients with access to Deutsche Bank's mortgage lending products.

Scale indicators4 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Honorarfinanz AG: Honorarfinanz AG is a German Honorarberater (fee-only financial advisor) focused on private clients. Comparable to DAT on the fee-only model, bank-independence, and HNW advisory positioning.
• HQ Trust GmbH: HQ Trust is a German independent multi-family office serving HNW and UHNW families with holistic wealth management, succession planning, and family governance. Direct comparable to DAT's Family Office positioning and intergenerational service offering.
• DJE Kapital AG: DJE Kapital AG is a long-standing German asset manager (named 'Elite der Vermögensverwalter 2026') that partners with DAT for portfolio management. Comparable on wealth/asset management services, FMM investment methodology, and serving HNW private clients via advisor channels.
• MLP SE: MLP is one of Germany's largest independent financial advisory and wealth management groups, serving private and corporate clients across multiple German locations. Directly comparable to DAT as a publicly-listed bank-independent advisory competitor with similar fee/commission hybrid model.
• quirin bank AG: quirin bank is a German Honorarberater (fee-only advisor) and private bank focused on private clients and family offices. Closely comparable to DAT on bank-independence, fee-based advisory, and HNW family-office positioning.

Broad incumbents

• Deutsche Vermögensberatung (DVAG): DVAG is Germany's largest independent financial advisory organization with a wide network of agents. Not directly comparable in fee-only stance, but addresses overlapping HNW/affluent private client segments through mass distribution rather than boutique advisory.
• Bethmann Bank (ABN AMRO): Bethmann Bank is a German private bank (part of ABN AMRO) serving HNW private clients and families with holistic wealth advisory. Comparable to DAT's HNW/Family Office focus but operating as a regulated credit institution with broader service portfolio.

Regional players

• Donner & Reuschel Bank: Donner & Reuschel is a Hamburg-based private bank offering wealth management and asset management to private and institutional clients. Comparable on private banking/wealth management for HNW segments, but primarily regional (northern Germany).
• Bankhaus Bauer: Bankhaus Bauer is a small, independent German private bank offering wealth and asset management to private clients and families. Comparable to DAT on independent, relationship-led wealth advisory for HNW segments, but operating with a smaller regional footprint.
• Fürstlich Castell'sche Bank: Fürstlich Castell'sche Bank is a Bavarian independent private bank with a long heritage, serving private clients in wealth management and asset administration. Comparable on independent HNW wealth management positioning with a regional German footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 DAT