We are shareholders.
But we're also parents, friends, dreamers, realists, healers, builders, and concerned humans.

If you'd like to invest in a ClimateSmart portfolio as an individual, couple, or family, then you've come to the right place.

Get started
Overview

We help over 800 families save for retirement and invest in ClimateSmart Portfolios.

Why ClimateSmart

Read why we exclude fossil fuels and their dependent industry and overweight climate solutions.

Learn more

Portfolio breakdown

See the stock and bond funds we use to construct our variety of ClimateSmart portfolio options.

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Pricing and services

Investing can be scary. We're real people, who really care with no investment minimums.

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Testimonials

These testimonials were all provided by real, current clients with their explicit permission. Nobody was paid or compensated in any way for providing their testimonial. Nor do any have a conflict of interest in providing this testimonial that we are aware of. Testimonials are not a guarantee of future performance or success and may not be representative of the experience of other clients.

Welcome to our Collective

PrevNext

“I’ve been with Carbon Collective for a few years now, and have been so impressed with the team’s expertise in balancing climate positive investing with financial sustainability. The kind and thoughtful way they work quickly built my trust, and I am grateful to have found a firm that aligns with my values so closely!”

1 / 9

Seth L.

Member since: 2022

“The willingness and availability of the CC team to provide personalized attention is what I imagine banking used to be like, where people actually had a relationship with their investment advisors instead of being subject to an automated system where my money is fed into an algorithm somewhere.”

2 / 9

Conner L.

Member since: 2024

“As someone passionate about climate action, I'm so glad I found Carbon Collective to align my money with my values. I feel at ease knowing my investments are being used for good and are in the hands of a company that values open communication and education with their customers.”

3 / 9

Aiyana B.

Member since: 2023

“It is rare to find a financial organization that treats you like a friend and partner in building a better world. Carbon Collective provides members an opportunity to invest in climate solutions, to push portfolio companies to do better with shareholder advocacy, all while receiving transparent market analysis to better understand the complex climate-energy transition.”

4 / 9

Julian KP.

Member since: 2022

“The fantastic communication from Carbon Collective is a great plus on top of the climate-first investments. Not only can I speak to or email with a real person whenever I have questions, but the regular market insights newsletters from the founders are very valuable too.”

5 / 9

Ivy S.

Member since: 2022

“We've been with Carbon Collective since the beginning, and their prompt, thoughtful support has always made us feel confident in our investment choices. It's incredibly rewarding to know our retirement savings are not only growing, but also contributing to a better future.”

6 / 9

Christine E.

Member since: 2021

“The Carbon Collective team made my IRA and 401k transfer process incredibly smooth—super responsive, kind, and helpful every step of the way. And I genuinely look forward to Zach’s market analysis emails; they help me make sense of how climate-positive investing fits into the bigger picture and is positioned in the market.”

7 / 9

Rahul N.

Member since: 2022

“Carbon Collective stands out as a unique portfolio manager with a compelling dual approach: avoiding fossil fuel investments while actively supporting companies building a zero-carbon economy. Their personal touch, educational resources, and regular market insights make sustainable investing both accessible and impactful. I've found their approach perfectly aligns with my values while helping me grow as an informed sustainable investor.”

8 / 9

Aven SM.

Member since: 2022

“As someone who spends a lot of time thinking about climate finance, I'm really glad to have found Carbon Collective.”

9 / 9

Marilyn W.

Member since: 2021

Our brokerage partner

We manage your portfolio on the award-winning Altruist platform.

Your stocks and bonds are held by Altruist with SOC 2 security compliance.
Altrust’s accounts are SIPC insured for up to $500K.
Altruist is now the third largest custodian in the country.

Select from all the usual account types

FAQ

Frequently asked questions

What are the fees?

It depends on the portfolio you choose. We aim for you to pay a total of about 0.35% of AUM in combined management and fund fees, plus a $1/mo account maintenance fee.

See our fees page for more details:

Are there any minimums?

We strongly recommend investing at least $1,000 with us. Otherwise, the $1/mo account maintenance fees can be a big drag on returns.

However, we are open to waiving the account maintenance fee for folks that can't afford it, so just ask. It's also fine to start below the minimum, but set up a recurring deposit to build your way up.

Who is Altruist?

Altruist is the brokerage and custodial platform we use to host and manage accounts for our individual investors.

They are the 3rd largest custodian in the country. We find their user interface to be elegantly simple and overall they have been strong partners for us since we began with them in 2020.

Can I rollover an old 401(k) to get started?

Yep! Moving an old retirement account is one of the most common ways folks get started with us.

This can be rolling over an old employer account like a 401(k) or an existing IRA.

Both are pretty simple and we'll hold your hand along the way.

Will ClimateSmart perform the same as the overall market?

To date, ClimateSmart has broadly tracked trends in the overall market, but it's a different strategy than generic, passive investing. Some months ClimateSmart has outperformed, others it has underperformed passive indices. This is inevitable when you remove entire sectors, like fossil fuels, and overweight others like climate solutions.

If you are looking to simply track the market, then ClimateSmart is probably not the best fit for you.

Our difference

01.

We're clear eyed.

We think financial security and climate health are directly linked.

02.

We're independent.

We're not owned by a big bank or Wall Street firm.

03.

We're real people.

You'll feel it the moment you meet us.