We are building the personal finance coach trusted across Europe
Personal Finance Coach:
What is that exactly?
What we stand for
Individualized investment solutions for every investment goal
Products and solutions that we also enjoy using ourselves
Focus on the most important financial life goals
Personal and continuous support
Transparent and responsible recommendations
Progress tracking and support for implementation
Holistic approach for sustainable success
What we do not stand for
Providing information without added value
Pure product sales
Opaque or hidden commissions
"Finfluencing" and affiliate deals
The story behind Ginmon
As a consultant at Deutsche Bank, Ginmon founder Lars Reiner became deeply involved with the structures of traditional investment advice. When he meets long-time wealth advisor and future co-founder Ulrich Bauer, Lars quickly realises how different independent wealth management is from the product sales of traditional banks and investment advisors. Together, they developed the idea of creating a digital personal finance coach by utilising the latest technology, scientific investment concepts, and practical methods of financial planning.
A cost-effective and independent platform to help people achieve their financial goals. At the end of 2014, the two founded the company Ginmon, now a leading digital platform in Germany and Europe.
Ginmon [ɡin moɴ]: Japanese for "silver gate", symbolically represents the path to financial independence.
Our Management
Chief Executive Officer
Lars Reiner
Lars Reiner is the founder and Chief Executive Officer of Ginmon. Before establishing the company, he worked as a management consultant at Deutsche Bank, where he led various strategic projects in the retail banking division. His particular strength lies in combining financial expertise with technological innovation. In addition to his role at Ginmon, Lars Reiner serves on the Financial Services Committee of the Frankfurt Chamber of Industry and Commerce (IHK) on an honorary basis. A graduate in economics with a strong affinity for modern technology, he drives the vision of making professional wealth management accessible to everyone.
Chief Advisory Officer
Ulrich Bauer
Ulrich Bauer brings more than three decades of experience as an independent financial adviser to Ginmon. Since 1989, he has specialised in advising academics, developing in-depth expertise in wealth and retirement planning. As a co-founder of Ginmon, he supports the company with his extensive know-how, advisory skills and a great sense for client-focused solutions. His practical expertise is a vital cornerstone in the ongoing development of Ginmon.
Chief Technology Officer
Dmitriy Fot
Before joining Ginmon, Dmitriy Fot worked as a Senior Cloud Architect at Amazon Web Services, where he was responsible for complex cloud architectures. He previously gained international experience in senior positions at IBM in Germany and the United States. Dmitriy holds a master’s degree in IT and Media Technology from the University of Hamburg. With his technological expertise, he leads product development at Ginmon, ensuring the platform meets the highest standards of security, scalability and innovation.
Ginmon is supported by experts from research and industry.
Our core beliefs
Solutions instead of products
We are convinced that it does not take 10,000 financial products to successfully manage one's finances. Instead, a handful of tailored solutions is enough to achieve the essential financial goals - e.g. solid retirement provision, sufficient emergency savings, a financial cushion for children, or paying off the home.
Strategy over impulse
Investing money in general and the stock market in particular is highly emotional and can lead to impulsive decisions. Our conviction is that a long-term strategy is needed to successfully operate in the capital market. We have optimised our strategies and our platform to minimise emotional influences on investments and to always keep a cool head.
Evidence-based investing
Our conviction is that successful investing works in a similar way to modern medicine. Through research, studies, and statistics, evidence-based strategies for investment can be developed. Although these may not maximize returns in every market phase and time period, they offer the best risk-return profile in the long term - similar to a good, well-tested medication.
Current news about Ginmon: Visit our Newsroom now
Become part of the team: Visit our careers
White Label Technology Platform
Ginmon Technology®, the technology platform behind Ginmon, is also available as a white label.
