Patrimeum is a Geneva-based fintech company specialising in hyper-personalised financial planning technology. The company enables financial institutions and wealth-managers to offer individually-tailored lifetime financial planning at scale.

Today's digital investment tools typically ask a handful of questions about risk tolerance and investment horizon, then deliver similar recommendations to investors with vastly different financial circumstances, ignoring the factors that create genuine differences between households.

Patrimeum addresses these limitations through a fundamentally different approach. Rather than portfolio recommendations driven primarily by risk tolerance and time horizon, Patrimeum's technology combines lifecycle models and portfolio optimisation by constructing the investor's complete economic balance sheet - financial assets, real estate, pension entitlements, human capital, and liabilities. It models the investor's career characteristics and identifies household-specific hedging demands. It captures explicit consumption goals with their associated timeframes and priorities.

The result is a personalised lifetime plan for savings, consumption and investment that evolves as the investor's circumstances change through accumulation, retirement, and estate planning phases.

Patrimeum operates as a B2B technology provider, delivering its capabilities through an API-based architecture. The solution carries the partner institution's branding, ensuring the partner owns the customer relationship entirely.