Respect & Integrity
Every mandate begins with listening, not selling. We act solely in your interest, and we say so in writing.
Independent · BaFin-licensed · Values-driven
Conscious capital. Lasting legacy.
Independent wealth management for those who invest with purpose. We align competitive returns with the values your family lives by.
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Philosophy
What we will not compromise
Ecological & Social Responsibility
Capital shapes the world it enters. We screen every instrument for its environmental and social footprint before we consider its yield.
Market-rate Returns
Conviction is not a discount. Our portfolios are built to compete with conventional strategies on performance, net of all costs.
Transparent Communication
You see what we see: full holdings, full fees, plain language. Consolidated reporting with nothing buried in footnotes.
Services
Three mandates, one standard
Discretionary portfolios, screened by values
Individually managed portfolios across liquid asset classes. Every instrument passes our values screen before it passes our risk committee — and reporting shows you exactly why each position is held.
Structure for generations
Holistic wealth structuring, succession planning, and consolidated reporting across banks, asset classes, and jurisdictions. One picture of everything your family owns — and a plan for where it goes next.
Direct, sustainable property
Direct investments in energy-efficient residential and commercial properties. Long holding periods, careful refurbishment, and tenants treated as partners rather than yield.
Why independent
No bank. No conflict of interest.
- No house products. We have nothing of our own to sell you, so every recommendation is made on merit alone.
- No retrocessions. Commissions paid by product providers are passed on to you in full or avoided entirely.
- One paying client: you. Our only revenue is the fee you see on your invoice. Our interests cannot drift from yours.
- Regulated, not captive. Licensed and supervised by BaFin as an independent asset manager — institutional oversight without institutional sales targets.
About
A deliberate history
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2014
Founded in Berlin by partners leaving private banking to manage wealth without sales targets.
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2016
Licensed by BaFin as an independent financial portfolio manager under §15 WpIG.
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2021
Assets under management pass €500 million; first dedicated sustainable real estate mandate launched.
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2025
Second office opens in Frankfurt am Main to serve families across the Rhine-Main region.
Contact
Begin the conversation
4L Capital GmbH
An der RaumFabrik 33 c
76227 Karlsruhe
Deutschland