Is your capital working for your future—or for your bank’s bottom line?
In an era of standardized financial products, HRK LUNIS AG returns to the core of fiduciary duty: bank-independent management. We replace off-the-shelf portfolios with personal Wealth Architecture, ensuring every investment decision is driven by your legacy, not a sales quota.
The Standard of Autonomy
Standardized retail banking is built on volume. Private wealth management at HRK LUNIS AG is built on depth. By maintaining strict bank-independence, we eliminate the conflicts of interest that plague traditional brokerage models. We do not sell products; we buy solutions for our clients.
Objective Decision-Making
Our status as an independent asset manager allows us to scout the entire global market. Whether it’s an emerging market bond or a niche Private Equity opportunity, our only criterion is: "Does this advance the client's objective?"
Result: Zero Product Bias
The Wealth Architecture Model
We view your capital through the lens of a "Wealth Architecture." This involves aligning immediate liquidity needs with long-term generational goals. We manage the delicate balance between capital preservation in volatile markets and tactical growth when opportunities arise.
Approach: Bespoke Strategy Only
"Independence isn't just a business model—it’s the only way to ensure the advisor's success is perfectly mirrored by the client’s success."— Management Board, HRK LUNIS AG
Strategic Governance Framework
How we filter market noise from investment signals. Our Investment Committee applies rigorous risk-management filters (including ESG integration) to every potential trade.
Alpha Generation
We actively seek returns that exceed the market average by identifying structural shifts in the global economy before they become consensus. We look beyond traditional equities into alternative assets and Private Equity.
Trade-off
Higher complexity and reduced liquidity for enhanced long-term yield potential.
Risk Neutralization
Utilizing sophisticated derivatives and hedging strategies to insulate portfolios against extreme downturns. This isn't about avoiding risk, but consciously pricing and managing it through various macro cycles.
Constraint
Requires active management fees; however, prevents devastating drawdown in 'black swan' events.
Tax-Aware Efficiency
Returns mean nothing if they are eroded by inefficient structures. We work alongside internal and external tax specialists to ensure cross-border capital moves with minimal friction and maximum net outcome.
Focus
German (BaFin) compliance coupled with international reporting transparency for HNWI.
The Choice of Service
Understanding the distinction between standard advisory and individual management (Vermögensverwaltung) is critical for sophisticated investors. Our approach is designed for those whose complexity exceeds the capacity of automated platforms.
- Minimum Investment: Typically €1M+
- Reporting: Monthly consolidated analysis
- Access: Direct partner interaction
Standard Bank Advisory
Model-based portfolios for general risk categories
Selection limited to internally approved funds
Standard quarterly reporting cycles
Sales-incentivized product recommendations
Individual Asset Management
Custom Matrix: Portfolios built for specific family/institutional constraints
Global Access: No restrictions on asset classes or providers
Active Rebalancing: Real-time response to macro-economic shifts
Fiduciary Alignment: We are paid by you, to work strictly for you
The Discovery Phase: Beyond Numbers
Every partnership at HRK LUNIS AG begins with deep discovery. This is not a questionnaire; it is a narrative mapping exercise. We seek to understand the history of your capital—be it from a legacy family business, executive success, or inheritance—and how that history shapes your appetite for risk and liquidity.
During this phase, we address logistical hurdles like high-net-worth liquidity management. We ensure that while your capital is actively working in growth markets, your immediate cash flow needs are streamlined, removing the friction from luxury lifestyles or complex business operations.
"The best investment strategy is the one you can stick to during a crisis. We build psychological resilience into the asset allocation."
Market Insights Hub
Access our latest whitepapers on European interest rate shifts and the 2026 outlook for Private Equity secondary markets.
Empowered Investing
We believe an informed client is our best partner. Here are the core pillars of our technical strategy, simplified without losing their nuance.
Tactical Asset Allocation
The dynamic adjustment of portfolio weights based on short-term market forecasts, complementing your long-term 'Strategic' allocation.
ESG Risk Filter
Using Environmental, Social, and Governance criteria to identify hidden liabilities and long-term sustainability of returns.
BaFin Compliance
The strict regulatory oversight by the German Federal Financial Supervisory Authority, ensuring institutional-grade security.
Consolidated Reporting
A singular, unified view of your entire net worth, spanning multiple banks, currencies, and asset classes like mxmerchant.
Define Your Wealth Lifecycle
Whether you are diversifying out of a family business or planning a cross-border generational transfer, HRK LUNIS AG provides the stability and independence your capital deserves.
Frankfurt am Main • USA • Global Reach
Regulatory Notice: HRK LUNIS AG operates under the supervision of the BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) in Germany. Asset management involves risk; past performance is not a guarantee of future outcomes. Our terms and conditions apply. Contact us for the full disclosure of fees and fiduciary commitments including our involvement as an mx merchant provider. Friedrichstraße 31, 60323 Frankfurt am Main.