Greenlock

Greenlock was spun out of a large single-family office in Zurich in 2022, which explains why its product set is oriented toward what a principal actually experiences: quarterly statements that obscure true costs, managers who conflate performance with skill, and fee structures that compound silently year after year. The firm does not manage assets, does not sell financial products, and charges no success fees — its revenue depends entirely on clients choosing to stay.

The core offering is independent oversight across six modules that can be purchased individually or as a bundled service at 0.1% of assets per year:

• Fee Benchmarking and Reduction: identifies hidden costs across custody, brokerage, foreign exchange, and fund share classes, spanning thirty documented fee points
• Investment Performance Audit: uses stochastic modeling to separate manager skill from luck, with true net-of-fee performance calculations
• PE/VC Portfolio Optimization: applies institutional portfolio construction principles to private asset allocations
• Real Estate Assets Monitoring: consolidates property holdings across cash flow, valuation, and currency exposure
• Core Capital Risk Surveillance: identifies structural risks and concentration exposures threatening long-term capital
• Executive Wealth Reporting: customized decision-ready reporting built for principals, not managers

Greenlock reports oversight of more than $2 billion in assets and claims its clients collectively save over $10 million annually in fees. One documented client case showed savings of 80 basis points per year. The firm uses Microsoft Azure infrastructure hosted in Switzerland, with a zero-knowledge architecture that strips sensitive details before storage. Pricing starts at 0.1% annually for the all-inclusive tier, with modular pricing also available based on custodian count and portfolio complexity. The firm is best suited to single-family offices and multi-family platforms with portfolios above $25 million that already work with private banks and want an independent check on what those relationships are actually costing them.

• Benchmark and reduce fees charged by private banks and asset managers
• Audit investment manager performance on a true net-of-fee basis
• Monitor PE/VC portfolio construction and capital allocation efficiency
• Consolidate and assess real estate holdings across cash flow, valuation, and currency
• Identify structural risk concentrations and core capital vulnerabilities
• Deliver customized executive-level wealth reporting for principals

• Fee benchmarking across thirty hidden fee points
• Stochastic investment mandate audit for performance attribution
• True net-of-fee performance analysis
• PE/VC portfolio optimization using institutional allocation principles
• Real estate monitoring covering cash flow, valuations, and currency exposure
• Core capital risk surveillance for concentration and structural risk
• Executive wealth reporting customized for wealth owners
• Quarterly monitoring with automatic data processing after initial setup
• Zero-knowledge data architecture
• Microsoft Azure Switzerland-based infrastructure

Built for Single Family Office (SFO), Multi Family Office (MFO), Private Wealth Owners / Principals.

Client portal access; direct contact via email; quarterly monitoring reviews included in service

Initial analysis delivered within approximately five days; ongoing monitoring becomes more automated thereafter