The Architecture of Independence
PRIVALOR AG was founded on a simple, radical premise: true wealth management requires structural separation from institutional incentives. While traditional banks prioritize product sales and balance sheet optimization, we operate as a pure fiduciary. Our independence is not a marketing claim; it is our operational DNA.
We believe the best investment strategies are built on time, transparency, and alignment. By removing the friction of proprietary products and quarterly revenue targets, we restore the client-advisor relationship to its essential form: a single, uncompromised pursuit of your specific financial objectives.
The German-American Bridge
Operating from Pulheim, Germany, with active engagement in the US market, PRIVALOR AG occupies a strategic position between two of the world’s most complex financial jurisdictions. The German emphasis on capital preservation and structural rigor aligns naturally with the sophisticated needs of American families, trusts, and expatriates.
Cross-border wealth introduces unique friction points: tax treaty nuances, estate planning conflicts, and currency volatility. Our advisory framework is designed specifically to navigate these intersections. We speak the regulatory languages of both Frankfurt and New York, ensuring that your portfolio structure remains compliant and efficient regardless of your residency or asset domicile.
Key Competence: We specialize in bridging the gap between European asset protection standards and US reporting requirements (FATCA, FBAR), eliminating the compliance ambiguity that often erodes returns.
Operational Footprint
Pulheim, Germany
HQ & European Union Compliance
US Market Focus
NRA & Trust Structuring Expertise
Deutsche Bank AG
Primary Custody Partner
The Principal Circle
We serve a specific profile. If you recognize yourself here, we are likely aligned.
Family Offices
Multi-generational wealth requiring institutional-grade governance. We function as your external CIO, integrating investment strategy with estate planning and philanthropy.
Corporate Treasuries
Businesses seeking yield optimization for idle capital with strict liquidity mandates. We manage treasury assets separate from operating accounts.
International Expats
US Persons or cross-border families navigating tax residency and currency risk. We specialize in consolidating fragmented banking relationships.
The Stewardship Team
PRIVALOR AG is not a faceless institution. We are a team of operators, analysts, and fiduciaries who believe that discretion is the rarest currency in finance.
CREDENTIALS VERIFIED
• CFA / CIIA
• BaFin Licensed
• Series 65 (US)
Rigorous Analysis
Every recommendation is backed by proprietary modeling and stress-testing against historical volatility regimes.
Structural Design
We build portfolios that protect principal first.
Operational Security
Client data resides in Tier-4 infrastructure.
The PRIVALOR Standard
Transparency requires acknowledging the trade-offs inherent in independent management.
Liquidity vs. Access
The Dilemma:
Maintaining high liquidity often means missing out on exclusive private market opportunities that lock up capital for 5-10 years.
Our Mitigation:
We bucket capital based on time-horizon liquidity needs, using separate custody structures for liquid vs. illiquid allocations.
Cost vs. Custody
The Dilemma:
Large custodians charge basis points that compound significantly on large AUM. Small custodians may lack the credit rating for large deposits.
Our Mitigation:
We negotiate flat-fee custody arrangements with Tier-1 banks (Deutsche Bank, JP Morgan) based on volume, passing the savings directly.
Performance vs. Sleep
The Dilemma:
Chasing alpha requires high volatility. Preservation requires low volatility. Most firms claim to do both; in reality, they pick one.
Our Mitigation:
We use a "Core-Satellite" approach. The Core (70-80%) is low-volatility, high-quality assets designed to sleep well. The Satellite (20-30%) is where we hunt performance, with strictly defined risk budgets.
Ready to discuss how the PRIVALOR standard fits your objectives?
Schedule an IntroductionInstitutional Markers
We adhere to the same regulatory frameworks as major financial institutions, ensuring your assets are protected by law, not just policy.
BaFin Regulation
Licensed as a Wertpapierinstitut. Subject to German capital investment laws.
Segregated Custody
Assets held in client names at partner banks. No commingling.
FSCS Eligibility
UK clients eligible for protection under the Financial Services Compensation Scheme via partner.
Biannual Audits
Financial statements verified by independent external auditors.
Begin the Conversation
Our onboarding process is deliberate. We begin with a mutual assessment to ensure alignment of objectives, risk tolerance, and values.