Finum
FiNUM.Private Finance AG is a Berlin-based, provider-neutral German wealth advisory firm serving affluent private and business clients with family office, portfolio, insurance, and real estate services through an independent-advisor network, wholly owned by JDC Group AG.
- Company typePrivate
- Founded2003
- HeadquartersBerlin, Germany
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Finum does
Finum.Private Finance AG is a Berlin-headquartered, independent wealth advisory firm operating in Germany under the trade names FiNUM – Private Finance and FINUM. Founded in 2003 and wholly owned by listed financial services group JDC Group AG, the company provides provider-neutral financial advice to demanding private and business clients across the DACH region, with offices in Berlin, Munich, and Traunstein. Its core offering spans Family Office Services, Exclusive Wealth Management (Exklusive Vermögensverwaltungen), Investment Advisory and Brokerage (Anlageberatung und -vermittlung), and Real Estate (Immobilien), covering capital accumulation, retirement and risk protection, and financing/capital procurement.
The firm's core product is a relationship-based advisory service rather than a technology platform. It has no proprietary financial products and no internal sales quotas, which it uses as a deliberate positioning differentiator versus bank-affiliated advisory channels. Distribution runs through a small network of senior partners, partners, and financial consultants (e.g., Thomas Alexander Heberle, Micha Bähr, Tom Herrmann, Kenny Pötschke) supported by content publishing — notably the FINSIGHTS customer magazine, of which seven editions have appeared through 2025 — and presence on XING, LinkedIn, Facebook, and Kununu. The lead-management process is quote-based, with no publicly disclosed fee schedule.
Revenue mechanics are fee-based professional services income: advisory fees, brokerage commissions, and insurance commissions generated from affluent private and business clients. Pricing is not publicly disclosed and depends on client complexity and assets under management. Finum is privately held, with no funding rounds or M&A activity disclosed; its growth is implicitly tied to parent JDC Group AG's strategy and to organic advisor recruitment, as evidenced by its "Berater werden" recruitment page and recent advisor additions.
Finum firmographics
Firmographics- Name
- Finum
- Legal name
- FiNUM.Private Finance AG
- Website
- https://finum.de
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- FiNUM.Private Finance AG is a Berlin-based, provider-neutral German wealth advisory firm serving affluent private and business clients with family office, portfolio, insurance, and real estate services through an independent-advisor network, wholly owned by JDC Group AG.
- Ownership category
- akta.pro rank
Finum industry classification
Industry- Product category
- Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Fee-Only Advisory (FSAEAAAL)
- akta.pro secondary industries
- Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Institutional Separate Accounts & SMAs (Mandates) (FSAAAGAL)
Keywords
Where Finum is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
Finum business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Financial Advisory Services: FiNUM generates revenue through fees for financial advisory services, including investment advice, wealth management consultation, and insurance brokerage. The company acts as an independent advisor without selling proprietary products.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Finum product offering
Product offeringCore offering
FiNUM.Private Finance AG is an independent, provider-neutral financial advisory and wealth management firm serving affluent private and business clients in Germany. Its core offerings include Family Office Services, Exclusive Wealth Management (Exklusive Vermögensverwaltungen), Investment Advisory and Brokerage (Anlageberatung und -vermittlung), and Real Estate (Immobilien) advisory, delivered through a network of independent advisors with no proprietary products or internal sales targets.
Product overview
Finum.Private Finance AG operates as a provider-neutral financial advisory firm offering an integrated portfolio of wealth management services. The core offering consists of Family Office Services, Exclusive Wealth Management (Exklusive Vermögensverwaltungen), Investment Advisory and Brokerage (Anlageberatung und -vermittlung), and Real Estate (Immobilien) services. The company positions itself on advisor independence from sales targets, enabling unbiased product recommendations. FINSIGHTS Magazine serves as an educational content brand supporting client engagement across topics from retirement planning to market analysis. The architecture is a service-plus-content model rather than a technology platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Family Office Services Comprehensive family office services providing holistic wealth management for high-net-worth individuals and families, covering all aspects of financial planning and asset management. For affluent private clients requiring integrated, multi-generational wealth oversight.
- Exklusive Vermögensverwaltungen (Exclusive Wealth Management) Exclusive wealth management services offering personalized investment strategies and portfolio management tailored to individual client risk profiles and financial goals. For affluent private clients seeking discretionary-style portfolio advisory.
- Anlageberatung und -vermittlung (Investment Advisory and Brokerage) Provider-neutral investment advisory and brokerage services allowing advisors to recommend products from multiple providers without internal sales targets or product quotas. For private and business clients seeking unbiased investment recommendations.
- Immobilien (Real Estate) Real estate advisory services including property investment, financing solutions, and guidance for both owner-occupied and investment properties. For private and business clients making property-related financial decisions.
Companies that use Finum
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles2 records
Finum technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Finum partnerships and signals
Strategic signalScale indicators2 records
Recent moves1 record
Expansion highlights4 records
Finum competitors and assessment
Company assessmentDirect peers
- V-Bank AG: V-Bank is a German fee-based advisory bank serving independent financial advisors and their clients with custody and infrastructure, serving the same provider-neutral advisory segment that Finum operates in.
- Honorarfinanz AG: Honorarfinanz AG is a German fee-only financial advisor network explicitly built around independence from product commissions — directly aligned with Finum's positioning and a head-to-head competitor for the same independent-advice segment.
- Deutsche Vermögensberatung (DVAG): DVAG is Germany's largest independent financial advisory network, offering provider-neutral advice on insurance, investment, and financing to retail and affluent clients — a close analog to Finum's provider-neutral philosophy.
- Bethmann Bank: Bethmann Bank is a German private bank specializing in wealth management and advisory for affluent private clients, offering discretionary portfolio management comparable to Finum's Exclusive Wealth Management service.
- MLP SE: MLP is a listed German financial advisory and wealth management firm serving affluent clients and professionals with cross-selling into insurance, real estate financing, and pensions — directly comparable to Finum's model and customer profile.
Broad incumbents
- Berenberg Bank: Berenberg is one of Germany's largest private banks with a wealth and asset management division serving HNW and UHNW clients — a broader incumbent competitor for Finum's high-end family office and exclusive wealth management clients.
Emerging players
- Scalable Capital: Scalable Capital is a leading German digital wealth manager (robo-advisor) offering low-cost portfolio management to retail and mass-affluent clients — an emerging competitor at the lower end of Finum's client spectrum.
- Clark Germany: Clark is a German insurtech offering digital insurance brokerage and advisory, competing in one of Finum's stated service lines and illustrating the digital disruption of traditional advisory.
- Quirion (Quirin Privatbank): Quirin Privatbank operates the Quirion robo-advisor brand targeting affluent self-directed investors in Germany, representing a digital advisory competitor overlapping Finum's client base.
Others
- JDC Group AG: JDC Group AG is Finum's 100% parent company and a listed German financial services platform serving advisors and brokers with technology and product infrastructure — the ecosystem owner within which Finum operates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Finum social profiles
Digital presenceFinum financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finum leadership team
Management profileNumber of profiles
Profiles7 records
Finum funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finum M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finum
What does Finum do?
FiNUM.Private Finance AG is an independent, provider-neutral financial advisory and wealth management firm serving affluent private and business clients in Germany. Its core offerings include Family Office Services, Exclusive Wealth Management (Exklusive Vermögensverwaltungen), Investment Advisory and Brokerage (Anlageberatung und -vermittlung), and Real Estate (Immobilien) advisory, delivered through a network of independent advisors with no proprietary products or internal sales targets.
Is Finum a public or private company?
Finum is a private company. It is classified as corporate owned and is currently operating.
When was Finum founded?
Finum was founded in 2003. It employs 51 to 100 people.
Where is Finum based?
Finum is headquartered in Berlin, Germany, in the Europe region.
How does Finum make money?
One revenue line is on record: financial Advisory Services.
Who are Finum's main competitors?
Direct peers on record are V-Bank AG, Honorarfinanz AG, Deutsche Vermögensberatung (DVAG), Bethmann Bank and MLP SE. Berenberg Bank is listed as a broad incumbent. Emerging players are Scalable Capital, Clark Germany and Quirion (Quirin Privatbank). JDC Group AG is listed as an others.
Does Finum have an API?
No public API is recorded for Finum.
What industry is Finum in?
Finum's product category is Wealth Management. Its primary akta.pro industry code is FSAEAAAL, Fee-Only Advisory, with a secondary code of FSABADAD, Private Banking Advisory & Discretionary Portfolio Management. Its NAICS code is 523940 and its SIC code is 6282.