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.

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 morePortfolio breakdown
See the stock and bond funds we use to construct our variety of ClimateSmart portfolio options.
Learn morePricing and services
Investing can be scary. We're real people, who really care with no investment minimums.
Learn moreTestimonials
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
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
Tax-advantaged retirement accounts that allow individuals to save for retirement with tax-deferred dollars
IRA where contributions are made with after-tax income, meaning investments grow tax-free from there.
Taxable accounts for general savings, meaning any gains or dividends may be subject to taxes.
Legal arrangements where a separate legal entity is the technical owner of an account.
Get started in as little as 5 minutes
We're real people, who really care,
who are always an email away.
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.