What Werte Invest does

Werte Invest Vermögensverwaltung GmbH is a Cologne-based, BaFin-licensed independent wealth management firm founded in 2008, serving high-net-worth individuals and wealthy families across Germany. The company operates three integrated service lines: Family Office (comprehensive multi-generational wealth management), Vermögensverwaltung (discretionary portfolio management), and Fondsberatung (fund advisory). Its core differentiator is a proprietary multi-dimensional risk diversification system and the Werterhaltungsstrategie (Value Preservation Strategy), which analyzes over 7,000 funds continuously to achieve positive returns independent of market direction.

The firm operates on a sales-led, consultative model with a four-eyes principle assigning two dedicated advisors per client. All advisors have a minimum of 10 years of banking experience, with five having over 20 years and three holding Certified Financial Planner (CFP) designations. The senior team includes Stefan Engels (founding shareholder, tax optimization focus) and Michael Burmann (managing director, former Commerzbank director). Revenue is generated through asset management fees on Vermögensverwaltung contracts and professional services fees for Family Office and fund advisory work. The company is a member of the Verband unabhängiger Vermögensverwalter (VuV) and is regulated by BaFin under §15 WpIG.

The go-to-market relies on direct personal consultations, referrals, and content marketing (quarterly market reports, educational FAQ, and Lexikon). A customer portal powered by Finadesk provides online portfolio access. The firm serves clients nationwide through home visits and consultations at its Cologne headquarters. No external institutional investors, parent company, or subsidiaries are identified — ownership is concentrated among the founding partners.

Name

Werte Invest

Legal name

Werte Invest Vermögensverwaltung GmbH

Website

https://werte-invest.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Werte Invest is a Cologne-based, BaFin-licensed independent wealth management firm providing Family Office, discretionary portfolio management, and fund advisory services to high-net-worth individuals and wealthy families across Germany, using a proprietary multi-dimensional risk diversification system.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Portfolio Construction & Asset Allocation Advisory (FSAEAAAC)

akta.pro secondary industries

Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Estate Planning, Trust Structuring & Governance (FSAAADAF), Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Wealth management services
• Family office services
• Discretionary portfolio management
• Fund advisory services
• Independent asset management

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset Management Fees: Fees derived from managing client assets under Vermögensverwalter contracts where the strategy is defined and assets are continuously managed
2. Family Office Services: Comprehensive wealth management services for wealthy families, developing solutions that preserve and generate returns across generations
3. Fund Advisory: Advisory services based on in-depth knowledge of over 7,000 funds, providing recommendations for investment decisions

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Werte Invest is a Cologne-based independent wealth management firm offering Family Office services for affluent families, discretionary Vermögensverwaltung (portfolio management) tailored to individual investment objectives, and Fondsberatung (fund advisory) backed by continuous analysis of more than 7,000 funds. The firm serves high-net-worth individuals and families across Germany on a personal, consultative basis with a proprietary Werterhaltungsstrategie aimed at producing positive returns independent of capital market direction.

Product overview

Werte Invest is a traditional wealth management firm offering three integrated core services: Family Office (comprehensive multi-generational wealth management for affluent families), Vermögensverwaltung (discretionary portfolio management with individualized investment strategies), and Fondsberatung (fund advisory based on analysis of over 7,000 funds). The company operates with a proprietary multi-dimensional risk diversification system and a value preservation strategy aimed at generating consistent positive returns independent of market direction. A customer portal provides clients with direct access to monitor their managed assets.

Differentiator

Problem solved

Functional benefit

Products and services

• Family Office Comprehensive wealth management service for high-net-worth families, providing holistic solutions that preserve and grow family assets across generations within their holding structure. Targeted at families with significant wealth requiring high standards of asset management.
• Vermögensverwaltung (Wealth Management) Discretionary wealth management service that identifies suitable investments based on individual client investment objectives, utilizing a proprietary multi-dimensional risk diversification system. Targeted at individual investors and families seeking personalized, independent portfolio management.
• Fondsberatung (Fund Advisory) Fund advisory service based on continuous analysis of over 7,000 funds, providing wealth building and expansion through a multi-dimensional risk diversification methodology. Targeted at clients seeking expert guidance in navigating the more than 10,000 investment funds available in Germany.

Quantifiable outcome

• Exceeded regulatory documentation requirements with comprehensive reporting and timely controlling

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered supporting and core.

• Renowned Auditing Firms (Wirtschaftsprüfungsgesellschaften)supportingOthersCooperates closely with reputable auditing firms for comprehensive financial services and compliance.
• Law Firms (Rechtsanwaltskanzleien)supportingOthersMaintains close cooperation with reputable law firms to provide holistic wealth management solutions.
• Renowned Analysts and Fund ManagerscoreStrategic or Co-development PartnerWorks closely with well-known analysts and fund managers to provide independent investment advice and portfolio management services.
• Renowned Personalities from Economics and Tax LawsupportingStrategic or Co-development PartnerMaintains close professional exchange with prominent figures from economics, business administration, and tax law.
• Verband unabhängiger Vermögensverwalter Deutschland e.V. (VuV)coreOthersLong-standing member of the association of independent asset managers, which establishes and monitors the 'Principles of Serious Asset Management'. Guarantees compliance with members' code of ethics and provides access to compliant template forms and current information on legislation and capital market supervision.
• Financial Planning Standard Board Deutschland e.V. (FPSB)supportingOthersProvides comprehensive training and continuing education opportunities for CFP-certified financial planners. Oversees the proper use of the CFP designation.
• Entschädigungseinrichtung der Wertpapierhandelsunternehmen (EdW)supportingOthersAssociated with the investor compensation scheme for securities trading companies as required by law.
• Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)coreOthersRegulatory authority overseeing asset management activities. Supervises banks, financial service providers, insurers, and securities trading. Values Invest is a registered securities institute (BaFin-ID: 10123021) with licenses for portfolio management, investment advice, and brokerage.

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Deutsche Bank Wealth Management: Global universal bank's HNW/UHNW private wealth arm operating in Germany; serves the same client persona but with bank-distributed products, contrasting with Werte Invest's independent conflict-free model.
• MLP SE: Wiesloch-based broad German financial advisory and wealth management group with HNW/private client focus; offers a wider portfolio (brokerage, insurance, financing) that overlaps with but extends beyond Werte Invest's pure-play Vermögensverwaltung.

Direct peers

• Huber, Reuss & Kollegen Vermögensverwaltung: Munich-based independent German Vermögensverwalter serving HNW private clients with a personal advisory model and BaFin licensing; directly comparable boutique competitor to Werte Invest.
• Quirin Privatbank AG: Berlin-based independent German private bank providing discretionary portfolio management and fund advisory to HNW clients across Germany, the closest direct competitor to Werte Invest's Vermögensverwaltung and Fondsberatung offering.
• Bethmann Bank AG: Frankfurt-based private bank (part of ABN AMRO) focused exclusively on HNW/UHNW discretionary wealth management and family office services in Germany, comparable in target segment and Vermögensverwaltung mandate model.
• DJE Kapital AG: Pullach-based independent German wealth manager offering discretionary portfolio management (DJE Vermögensverwaltung) for HNW/private clients using proprietary fund selection, directly comparable to Werte Invest's independent BaFin-regulated mandate model.
• Fürst von Metternich Vermögensverwaltung: Independent German family office / Vermögensverwalter serving UHNW families with generational wealth planning; directly comparable to Werte Invest's Family Office practice.
• Flossbach von Storch AG: Cologne-based independent multi-asset manager with discretionary Vermögensverwaltung for private clients and a value-preservation oriented investment philosophy; operates in the same independent German wealth management segment.

Others

• Consilium Family Office: German multi-family office serving HNW/UHNW families with multi-generational wealth planning; comparable in target segment and service mix but typically serves larger €10M+ ticket sizes than Werte Invest's stated clientele.

Emerging players

• Okinsta / Oka Private Wealth: Emerging digital-forward independent wealth manager targeting HNW clients in Germany with hybrid advisory models; represents the type of newer entrants competing for the same independent-advice segment Werte Invest serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/WerteInvest
• Facebookfacebook.com/WerteInvest
• LinkedInlinkedin.com/company/werte-invest-family-office-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Werte Invest