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Our Services

For Individuals

Looking for an investment advisor that really gets it? 

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Investment management that aligns with you

  • Comprehensive Investment management for IRAs, taxable accounts, trusts, and more.
  • Holistic and complementary full-picture financial planning.
  • Proactively use your money to make a difference through active proxy voting.

Coaching for empowered living

  • Individual life coaching sessions focused on helping you achieve financial well-being provide a deep dive into your relationship to money, preparing for inheritance, succession planning, family ties and dynamics, relationships and money, your life mission and values, and being able to live your life to the fullest.

For Companies & Nonprofits

Do good and invest well—now, and in the future—for your mission and your employees.

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Retirement Plans

  • We can assess and review your organizations current retirement plan offerings to make sure you and your employees aren’t getting crushed by fees and have investment options that align more closely with your organization’s values.
  • We provide investment management powering 401(k), 403(b), profit-sharing plans, and IRAs.

Lead with heart and excel

  • Executive coaching for organization leaders seeking to balance doing good and doing well.
  • Heart-centered leadership training and coaching programs for teams.
  • Mission-Centered Consulting: Project-based support for adapting the mission, vision, values, corporate culture, and business model to become a “Business for Loving Change.”
  • Transformation Support for Executive Teams: Inspirational talks on heart-centered leadership, building strong, heart-centered corporate cultures.

Our Approach to Investment Management

Philosophy

We invest on data, not hope or hype.

With a combined 40+ years of investment experience, our investment team has managed portfolios through decades of economic swings and cycles. We invest on data, not hope or hype. We filter out the noise in the media to focus on facts and data.

Our process begins with you.

We employ a three-step process to identifying appropriate investments. Our process begins with an analysis of objectives, values, time horizon, particular circumstances, and preferences. We then apply our investment strategy, which is informed by deep analysis of economic factors, technicals and individual company ethics. Finally, we continually monitor the risk level of client portfolios and the economic environment for signs of stress and opportunity.

Risk Management

We continually and vigilantly monitor the risk of our positions and portfolios.  There are numerous measures we rely on to help us assess the level of risk building in the economy. Primary among these is the stock market. Considered a discount mechanism for its accounting for and valuing of information and news events, the stock market has proven an accurate predictor of economic expansions and contractions over time. Others risk metrics we monitor daily include credit spreads, bond spreads, debt levels, yield curves, credit default swaps, to name a few. 

Process

Macro Trend Analysis

We apply a top-down analysis of data related to domestic and global economic and political trends to determine where we are in the economic cycle—expansion, contraction, boom, bust, troughing—at any given time. We pay particularly close attention to demographic and power changes and societal shifts impacting class structures to inform our decision-making.

Fundamental and Technical Analysis

As overlay to our macro trend analysis, we apply a bottom-up assessment when considering for our portfolios. To further ensure the quality of any given selection, we employ technical analysis, which provides insights into market action based on volume and price. We are firm believers in the assessment virtues of technical analysis (charts) as they enable us to analyze technical strength or deterioration, which can provide insight into behind-the-scenes activity.

Macro Themes

Over the past few decades we have watched change spread on a global level. Several themes we have been watching continue to play out that help guide us and point us toward possible investment opportunities. 

Consolidation

  • Bigger companies, due to access to capital and ability to compete globally, will get larger and have more pricing power (for example, telecom, airlines).
  • We think the trend toward consolidation will continue.
  • Sadly , policies & regulations are favoring big business over small business which we see as a long-term super cycle.
  • Oligopolies are being created.

Water & Farmland

  • Water is diminishing globally due to climate change, misuse and abuse. This makes this sector look especially attractive
  • Eroding topsoil, pesticide/herbicide laden practices and other mismanagement, makes prime well-managed farmland attractive
  • Habits among consumers will continue to demand organics and cleaner food sources. Pay attention however as new bills will continue to water down organic standards.

"Inverse" Stagflation

  • The cost of necessities will rise in a high unemployment environment. More discretionary funds will be spent on food, energy, clothing and shelter.  There will be little that Fed policies can do to change this.
  • This will impact the standard of living for the middle class as fees and taxes are increasing.

Shifting Economic Engines

  • Wages are rising & jobs are being created at a faster pace in Emerging Economies (EE) than Developed Economies (DE).
  • EE’s are in a wealth creation cycle while DE’s are in wealth destruction (example, middle class is growing in EE’s, middle class is shrinking in U.S.)
  • Standard of living in U.S. is declining for the majority (more money will focus on necessities rather than discretionary items).
  • U.S. is mature, infrastructure is aged while EE’s are leap-frogging our technologies.
  • New investment from multinationals and private equity, is being made in EE’s at a higher percentage than developed economies

Dollar Reserve

  • The dollar as a reserve currency is at risk in the long-term. We feel dollar will gain strength in the short-term, but longer-term, a basket of currencies or even central bank backed digital currency may be considered.
  • The dollar is tied to oil, we think this will end sometime in the future as other currencies will be considered.
  • The slice of the USA global GDP pie is falling with time. 
  • Runaway debt affects the dollar.

Changing Consumer

  • Spending patterns of Millennial’s are reminiscent of the Great Depression generation and their priorities are different from generations before.
  • Baby Boomers spending has peaked.
  • Traditional retail has hit its peak, online trumps box stores.
  • Shrinking of the middle class, more focused on necessities.
  • Wages are stagnant longer term.

Changing Credit Cycle

  • Debt levels to GDP has soared since 2008 crisis, especially in the public sector.
  • Bad practices are coming back, consumers are back into a leveraged position.
  • We see credit tightening and favoring larger players.

Wild Cards

  • Uncertain geopolitical instability continues to pose a looming threat.
  • Now with the advent of the Coronavirus, continued instability may be in the offing.
  • Contagion of turmoil from current global policy will continue.
  • In June 2016, money market funds started to “float” except prime (Treasury) money markets, meaning money markets can “break the buck” – one dollar in,  may not mean one dollar out in times of stress.
  • Digital currency as a whole is likely, will this undermine a whole economy?
  • Rising social unrest is likely due to an increase in “those who have” versus “those who do not”

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