Tax Efficiency
Offset opportunity identified
€3,200 Potential Savings
T E N E T
Build a Legacy,
Not Just a Portfolio.
Total visibility across every asset. Institutional access once reserved for billions. Proactive intelligence that never sleeps.
Bank-Independent
Flat Fee
AI + Experts
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Ex-Trade Republic Team. Hosted in Germany.
Too Complex for an App.
Too Modern for a Private Bank.
Neobroker apps break once your wealth gets serious: multiple brokers, private markets, real estate, crypto — no single view.
Private banks offer the overview, but at 1–2% a year, with outdated tech and misaligned incentives.
TENET is the new option: a modern multi family office with institutional tools and radical transparency — at a fraction of the cost.
I. Total Visibility The Truth About Your Wealth.
The Truth About Your Wealth.
In Real Time.
Every asset, every account, every currency — consolidated into a single real-time view. No more spreadsheets. No more blind spots.
Full Asset Aggregation
Stocks, bonds, ETFs, private equity, real estate, crypto, cash — all in one place.
Real-Time Net Worth
See your true net worth update in real time as markets move.
Cluster Risk Detection
Uncover hidden correlations and concentration risks across your entire portfolio.
II. Institutional Access
Access Once Reserved for Billions.
Private equity, venture capital, private debt — asset classes that have historically delivered superior returns but were locked behind eight-figure minimums.
€10k €500k – €10M €50M+
With TENET
Without TENET
Retail Apps
ETFs, stocks, crypto. No private markets. No institutional access.
ETFsStocksCrypto
TENET Multi Family Office
Institutional access from €500k. PE, VC, private debt through pooled vehicles.
Private EquityVenture CapitalPrivate DebtCo-Investments
Single Family Office
Direct deals, bespoke structures. Typically €50M+ minimum.
Direct PEBespoke FundsCo-GP Stakes
PE / VC / Private Debt
Access institutional-quality funds with lower minimums through our pooled vehicles.
Co-Investment Opportunities
Invest alongside leading GPs in select deals at reduced fees.
Curated Deal Flow
Every opportunity is vetted by our investment committee before it reaches you.
III. Proactive Intelligence
A Team That Never Sleeps.
AI agents monitor your portfolio 24/7 for tax events, rebalancing opportunities, and risk signals. When something needs human judgment, our experts step in.
Continuous Monitoring
Portfolio rebalancing, dividend reinvestment, drift detection — automatically.
Human Expert Escalation
Complex decisions are flagged and reviewed by our advisory team.
Actionable Alerts
Clear recommendations with full transparency on the reasoning behind each action.
Live Monitoring
Portfolio Drift
Rebalancing recommended
3 trades Suggested Actions
Income Received
Reinvesting to strategy
€2,340 Dividend Received
Risk Alert
Correlation detected with PE holdings
67% Overlap
Liquidity
Capital call approaching
23 days Time Remaining
The Fair Fee Manifesto
Traditional wealth management charges 1-2% of your assets per year. On a €2M portfolio, that is €20,000-€40,000 annually — often for index-hugging products. We believe you deserve better.
Public Markets €99–199/mo
Flat membership. No AUM fee on ETFs and stocks.
Private Markets 0.5% access fee
80% below industry standard. No hidden carry.
No commissions. Ever.
Bank-independent. Your assets stay at your broker.
Flat membership. No percentage of assets.
Cancel anytime. No lock-in.
Read our philosophyBuilt by Builders. We spent years building Trade Republic. Now we are building the family office we always wanted.
FAQ
Common Questions
A multi family office provides comprehensive wealth management services — investment management, tax optimization, estate planning, and access to institutional asset classes — typically for ultra-high-net-worth families. TENET brings these services to a broader audience through technology.
We work with clients starting from €500,000 in liquid assets. This threshold ensures we can deliver meaningful value through institutional access and personalized intelligence.
Private banks charge 1-2% of your assets annually, often with conflicts of interest from product sales. TENET charges a flat membership fee, never earns commissions, and uses technology to deliver institutional-grade services at a fraction of the cost.
Public markets: flat membership of €99-199/month with no AUM fee. Private markets: 0.5% access fee, which is 80% below the industry standard. No commissions, no hidden costs, cancel anytime.
Public equities, bonds, ETFs, private equity, venture capital, private debt, real estate, crypto, and alternatives. We consolidate everything into a single view with proactive monitoring across all positions.
Yes. All data is encrypted at rest and in transit, hosted in Germany on EU-compliant infrastructure. We connect to your accounts with read-only access — we can never move your money.
What are your priorities? _
We selectively onboard new members.
Apply for your membership today.
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The digital family office for serious wealth.