Alex, 40
$15 million net worth, ex-tech company employee, married with young children
Our team of dedicated advisors will provide holistic financial guidance and values-based investing for individuals with complex investment needs.
Diversifying wealth
Selling a home
Planning for retirement or an IPO
Creating an income plan from investments
Patti, 60
$3 million net worth
Recently divorced, first time managing money
Our team of advisors helps guide individuals through large life transitions by helping them understand their financial situation and plan for the future. They take the burden off our clients during stressful times.
Taking over management of money for the first time
Divorce
Widowhood
Inheritance
James, 30
$5 million net worth, looking to invest more of his assets in impact
For individuals who want to know the impact their money is making, Ellevest’s impact portfolios are built to provide a number of solutions for driving positive change while seeking competitive market returns.
Aligning your values to your investments
Divesting from harmful companies
Making direct impact through alternative investments
The Green family,
3 generations
$60 million family foundation
For complex family needs, Ellevest advisors create highly personalized investing strategies, including how to manage income and generational growth.
Personalized family mission statements
Aligning the entire investment portfolio to family values
Coordination with other advisors
Managing investments in a family foundation
The Impact Charitable Organization
$100 million foundation
For charitable organizations, our team can advise on creating an investment plan to sustain the organization, align the portfolio to the mission, provide reporting to track social impact, and perform traditional portfolio management.
Investing and managing endowments, foundations and donor-advised funds
Aligning investments to the company mission
Custom investment impact reporting
Building and managing a portfolio
For illustrative purposes only. All situations described [above] are hypothetical and do not represent any actual client. Any similarity to actual persons is purely coincidental.
Women’s financial health has been challenged a lot in the last five years, but there’s still a lot to be hopeful about — like women’s movement toward impact investing. We put together this data-driven report to tell the story of women and money in 2022.
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We actively listen and work with you to understand your financial goals and align your values with your money.
As a fiduciary, we put your best interests before our own. We’re straightforward about what we do for you and what it costs.
From building a strategy together to helping you move your money to ongoing check-ins and guidance — we’re here for you.
Ellevest Intentional Impact Portfolios let you invest your money in companies that meet our stringent criteria for doing the right things by women. All without sacrificing potential returns.
We offer private alternative investments that offer low correlation with equities and bonds, competitive financial returns, and a positive social and gender impact.
With the Ellevest Municipal Impact Strategy managed by AllianceBernstein®, you have the opportunity to purchase municipal bonds that aim to make a difference in underserved communities.
After taking the time to understand your financial goals and the impact you want your money to make, as suitable, we then invest your assets using globally diversified, cost-aware strategies designed to get you there.
Every dollar you invest has an impact. We can help you be intentional and still have the opportunity to earn competitive market returns across multiple asset classes.
Looking to invest $1 million or more? Ellevest’s Private Wealth Management team is here to help you reach your financial goals.
© 2022 Ellevest, Inc. All Rights Reserved.
The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice.
Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.
The information provided does not take into account the specific objectives, financial situation or particular needs of any specific person. Diversification does not ensure a profit or protect against a loss in a declining market.
Information was obtained from third party sources, which we believe to be reliable but not guaranteed for accuracy or completeness.
Diversification does not ensure a profit or protect against a loss in a declining market. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.
The Ellevest Municipal Impact Portfolio (“Portfolio”) is a separately managed account that is sub-advised by AllianceBernstein Holding L.P. (“AB”), a SEC registered investment adviser.
The Portfolio is a national municipal investment strategy comprised of individual municipal positions (approximately 55%) and an allocation to a diversified pooled fund of municipal bonds (approximately 45%). The Portfolio will include issuers from different states and not be limited to issuers from a single state. Hence, income generated by the investments in the portfolio will be tax exempt from Federal taxes, but only positions issued by the client’s state of residence, if any, will be exempt from state tax.
The impact objective of the strategy is to deliver positive social and environmental impact in sectors including but not limited to education, healthcare, low carbon/renewable energy, mass transit, water/wastewater management, and economic/community development. The Sub-advisor pursues its objective by investing principally in high-yielding municipal securities of any credit quality that (i) score highly on the Sub-advisor’s environmental, social and corporate governance (“ESG”) criteria (which can be made available upon request) and (ii) are deemed by the Sub-advisor to have an environmental or social impact in underserved or low socio-economic communities. The Sub-advisor utilizes a use-of-proceeds approach, in which each investment has a specific intention delivering positive environmental and/or social impact which must be measurable.
Risks To Consider
Market Risk: The market values of the portfolio’s holdings will fluctuate based on economic and market conditions.
Municipal Market Risk: Debt securities issued by state or local governments may be subject to special political, legal, economic and market factors that can have a significant effect on the portfolio’s yield or value.
Interest Rate Risk: As interest rates rise, bond prices fall and vice versa, long-term securities tend to rise and fall more than short-term securities.
Credit Risk: A bond’s credit rating reflects the issuer’s ability to make timely payments of interest or principal - the lower the rating, the higher the risk of default. If the issuer’s financial strength deteriorates, the issuer’s rating may be lowered and the bond’s value may decline.
Inflation Risk: Prices for goods and services tend to rise over time, which may erode the purchasing power of any income generated from these investments.
Derivatives Risk: Investing in derivative instruments such as options, futures, forwards or swaps can be riskier than traditional investments, and may be more volatile, especially in a down market.
Liquidity Risk: The difficulty of purchasing or selling a security at an advantageous time or price.
Local Economy Risk: This portfolio may contain municipal securities issued by the Commonwealth of Puerto Rico as well as other local governments whose current economic conditions could exacerbate the risks associated with investing in these securities.
ESG Risks: Applying ESG, impact and sustainability criteria to the investment process may exclude securities of certain issuers for nonfinancial reasons and, therefore, the Fund may forgo some market opportunities available to funds that do not use ESG, impact or sustainability criteria. The fund is only available in separately managed accounts or participants in “wrap fee” programs.
The minimum investment in the Ellevest Municipal Impact Portfolio is $250,000. In addition to Ellevest’s advisory fee, the client will pay 0.23% of assets managed to the Sub-adviser.
Ellevest’s Intentional Impact Strategy (the “Impact Strategy”) is a separately managed equity portfolio that is sub-advised by Ethic, Inc., (“Ethic”), an SEC-registered investment advisor. As sub-advisor, Ethic constructs and manages portfolios of individual stock positions benchmarked to an underlying index and customized to specific values criteria. The sub-advisor seeks to track the performance of a designated equity benchmark (domestic and / or international) while outperforming on impact across key sustainability criteria as defined by Ellevest and / or the client.
The Impact Strategy sustainability criteria are based on risks in the following categories: Ethics and Fraud, Greenhouse Gas Emissions, Exploitative Products, Product Quality and Safety, Working Conditions, Labor Relations, Workplace Diversity, Waste, Water, Human Rights and Community, War, Firearms, Low Employee Representation (gender), Low Management Representation (gender), Low Board Representation (gender).
Some of the key risks for the investing in Ellevest Intentional Impact Portfolio include:
Market Risk
As with all publicly traded securities, the Impact Strategy is exposed to market risk, the risk of losses arising from fluctuations in market prices caused by factors independent of a security’s particular underlying circumstances.
Active Risk
The Impact Strategy is expected to comprise around 300 US-listed equities (including ADRs as applicable) chosen through an outsourced multi-factor optimization software and sustainability data science developed by Ethic to minimize tracking error. This was developed to allow clients access to broad equity market exposure with the goal of keeping average tracking error low over the long term of less than for the Portfolios is under 1.50%.Although the Impact Strategy is constructed to minimize tracking error relative to its benchmark, there is no assurance that the strategy will generate market returns within the estimated tracking error. Because the Impact Strategy is designed to capture investment returns associated with gender diversity, and high environmental and governance standards, the Impact Strategy may exclude, overweight, or underweight individual companies and/or sectors of the market. As a result, the Impact Strategy will not fully participate in the market returns of a general investment strategy. The Impact Strategy may over or under-perform a general market strategy.
Sub-Advisor Risk
The success of an account’s investment through sub-advisors is subject to a variety of risks, including those related to the quality of the management of the sub-advisor and the ability of such management to develop and maintain a successful business enterprise, and the ability of the sub-advisor to successfully execute, operate, and manage the intended strategy at or below the target tracking error.
Business Risk
The fund’s strategy relies on key personnel, their expertise, relationships and networks. A loss of one or more key personnel may adversely impact the strategy.The minimum investment in Ellevest Intentional Impact Portfolio is $250,000. In
addition to Ellevest’s advisory fee, the client will pay 0.25% of assets managed to the sub-advisor.
*The Ellevest Women’s Financial Health Index is calculated monthly using twelve indicators from May 2018 through July 2022. A higher score indicates conditions associated with better financial health for women, while a lower score points to poorer financial health.
