Research – Take in all information available regarding a company’s business.  Potential investments are evaluated by value, financial viability, and social responsibility. 

Invest - Make conscientious investment decisions based on extensive research.  Customize investment portfolios to suit clients’ time horizons, risk tolerance, and ethical standards.

Monitor – Constantly and continuously monitor investments.  Review investments’ strengths, weakness, opportunities and threats.  Carefully consider the micro and macro economic factors affecting investments, and ensure that company management is reflecting shareholder value and acting in a socially responsible manner. 

Living Earth Investment Principles

Socially Responsible Investing (SRI)

Our global community faces staggering challenges.  To overcome these challenges, individuals, corporations and governments will have to cooperate.  Companies that understand our challenges and find solutions to our greatest needs will excel.  Firms that adapt to changing social and government priorities will prosper.  As conscientious investors, we can invest in socially responsible firms while sharing in their success and prosperity.

As conscientious investors, we can invest in companies that reflect our values.  We can choose to invest in companies that value the environment, act with honor in their communities, and practice sustainable business.  We can avoid companies that profit from war, prey on distressed communities, and value profits without considering human and environmental costs. 

Socially responsible and sustainable companies can be compelling investments.  Socially responsible firms demonstrate vision and an understanding of long term value.  Companies that adapt through creativity, innovation, and leadership are posed for long term success.  As investors, we can benefit as forward thinking companies grow and prosper.

Time, Discipline, Patience

We are investors, not speculators.  We make conscientious investment decisions based on all information available.  When we invest, we generally plan on holding investments for at least 1 year, preferably longer.  Time and research have shown long term investing is the most productive and effective way to sustainably grow wealth.  We do not day trade or try to predict the short term fluctuations of financial instruments.

Aligned Interests, Client Value

Living Earth Investments is committed to our clients’ investment success.  We are an independent firm and do not push packaged investment products on clients  We are not compensated on clients’ trading activity and are not motivated to encourage excess trading.  Instead, Living Earth Investments charges a fee of 1.5% for assets under management.  This fee is significant, but we feel this is a value to clients, compared to excessive mutual fund fees, high stock commissions, and other money management alternatives. 

We utilize a customer friendly and cost effective online brokerage as a custodian for client accounts.  Clients have access to their funds and securities at all times.  All asset management fees are billed directly to client accounts.   Asset management fees may be tax deductible.  IRS Code Section 212 permits an itemized deduction for investment advice in the miscellaneous section of 1040 Schedule A.  Please consult your tax professional for more information.