Michael Lent, VERIS WEALTH PARTNERS - Speaker at the 2013 IFG Wealth Management Forum held in Phoenix, AZ, April 22-23, delivered his presentation entitled SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES
The 2015 legislative session was an exciting time for the Oregon Individual Development Account (IDA) Initiative! We extended the sunset on this tax credit and increased the variety of goals toward which a participant can save. This session will present a basic introduction for those not yet familiar with this asset building tool. If you are new to IDAs, come learn how this amazing resource transforms participants into lifelong savers.
Jessica Junke, Neighborhood Partnerships
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
Paul Comstock Partners is a fee-only investment advisory firm. Learn more about how we partner with our clients to enable them to make investment decisions they can trust.
Presentation and live webinar hosted by California Community Foundation for donors interested in assisting their favorite nonprofits in capacity building.
You can also view the webinar at our YouTube page www.youtube.com/CalfundTV!
The 2015 legislative session was an exciting time for the Oregon Individual Development Account (IDA) Initiative! We extended the sunset on this tax credit and increased the variety of goals toward which a participant can save. This session will present a basic introduction for those not yet familiar with this asset building tool. If you are new to IDAs, come learn how this amazing resource transforms participants into lifelong savers.
Jessica Junke, Neighborhood Partnerships
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
Paul Comstock Partners is a fee-only investment advisory firm. Learn more about how we partner with our clients to enable them to make investment decisions they can trust.
Presentation and live webinar hosted by California Community Foundation for donors interested in assisting their favorite nonprofits in capacity building.
You can also view the webinar at our YouTube page www.youtube.com/CalfundTV!
Capacity Building Community Partnerships and OutcomesBonner Foundation
This session will frame our focus on community capacity building and impact, introducing the high-impact community engagement practices and a set of community change outcomes. Teams will explore the intended capacity building and change outcomes that should guide their projects.
Pay for Today (and Tomorrow): Compensation in the Nonprofit Sector (DC)Church Pension Group
Lately, it seems that any sentence containing the words "nonprofit" and "compensation" is related to the scrutiny of pay provided to the presidents and other top executives of organizations. However, for most nonprofit organizations, far more compensation dollars are paid to the broader, non-executive employee population. My presentation from the October 2010 Nonprofit Human Resources Conference in Washington, DC focuses on prevailing practices and emerging trends regarding compensation in the nonprofit sector, including the impact of internal and external influences.
Chapter 2.2: Angel Networks: Frequently Asked Questions? VC Experts, Inc.
What is an angel investor? How much do they invest and in how many businesses? What kind of companies do angels invest in? How do angels help small businesses? Let us answer these questions and more in this insightful report on all-things "angel investment."
Fuel Good 2018: Strategic Funding Models Sparkrock
Alain Mootoo from the Surrey Place Center explains how they were able to achieve a 54% increase in program revenues and provide a framework for funding your organization's mission.
Chapter 14 of Permaculture, A Designer's Manual often gets short shrift or lost among all the focus on the technical perfecting of permaculture. At the We Are All Farmers Permaculture Institute we take the call to action for creating nodes of permanence and working to foster community very seriously. In short, though deep technical knowledge is necessary for permaculture technical practice, culture is not culture without people. The hard work of creating regenerative community is essential to providing a foundation for carrying permaculture practice forward. Moreover, how can people afford to continue permaculture practice? What level of responsibility do you have in your community? This presentation outlines lessons learned in the context of the American non-profit community and examines business models, structures, marketing, etc. essential for a non-profit, if non-profit supported permaculture is a model you wish to pursue.
This presentation is a short overview of the fundamental concepts of responsible property investing. Responsible Property Investing is expanding to include metrics that provide investors guidance on how to measure social responsibility within their portfolios and to compare social responsibility between different property portfolios.
Capacity Building Community Partnerships and OutcomesBonner Foundation
This session will frame our focus on community capacity building and impact, introducing the high-impact community engagement practices and a set of community change outcomes. Teams will explore the intended capacity building and change outcomes that should guide their projects.
Pay for Today (and Tomorrow): Compensation in the Nonprofit Sector (DC)Church Pension Group
Lately, it seems that any sentence containing the words "nonprofit" and "compensation" is related to the scrutiny of pay provided to the presidents and other top executives of organizations. However, for most nonprofit organizations, far more compensation dollars are paid to the broader, non-executive employee population. My presentation from the October 2010 Nonprofit Human Resources Conference in Washington, DC focuses on prevailing practices and emerging trends regarding compensation in the nonprofit sector, including the impact of internal and external influences.
Chapter 2.2: Angel Networks: Frequently Asked Questions? VC Experts, Inc.
What is an angel investor? How much do they invest and in how many businesses? What kind of companies do angels invest in? How do angels help small businesses? Let us answer these questions and more in this insightful report on all-things "angel investment."
Fuel Good 2018: Strategic Funding Models Sparkrock
Alain Mootoo from the Surrey Place Center explains how they were able to achieve a 54% increase in program revenues and provide a framework for funding your organization's mission.
Chapter 14 of Permaculture, A Designer's Manual often gets short shrift or lost among all the focus on the technical perfecting of permaculture. At the We Are All Farmers Permaculture Institute we take the call to action for creating nodes of permanence and working to foster community very seriously. In short, though deep technical knowledge is necessary for permaculture technical practice, culture is not culture without people. The hard work of creating regenerative community is essential to providing a foundation for carrying permaculture practice forward. Moreover, how can people afford to continue permaculture practice? What level of responsibility do you have in your community? This presentation outlines lessons learned in the context of the American non-profit community and examines business models, structures, marketing, etc. essential for a non-profit, if non-profit supported permaculture is a model you wish to pursue.
This presentation is a short overview of the fundamental concepts of responsible property investing. Responsible Property Investing is expanding to include metrics that provide investors guidance on how to measure social responsibility within their portfolios and to compare social responsibility between different property portfolios.
The Houston Sustainability Indicators Project is a long range project to assist with justifying, predicting, analyzing and offering normative guidance on achieving sustainable development in Houston. This research is led by Dr. Lester King of the Shell Center for Sustainability at Rice University.
This presentation was delivered at the Social Sciences for Development conference 2015, hosted by Stellenbosch University in September of that year. It is a summary of a paper of the same name that investigates the impact of the VOC on the development of finance and nation of South Africa. Parallels between investors of the 17th and 21st Century are discussed and the ethical dimensions of their investment objectives.
The Impact of Sustainable and Responsible InvestmentNia Rock
Sustainable, responsible and impact investors are a force for positive change. They have helped to improve the environmental, social and governance (ESG) practices of publicly and privately traded companies in the United States and around the world, indirectly benefiting countless individuals and communities. They have pursued investment strategies that foster economic development and expand financial services in lower-income communities.
Today’s corporations, faced with the extraordinary challenges of global climate change, water scarcity and workplace inequality, are at a crossroads. They can take proactive steps to adapt to pressing environmental and social issues – the two core categories of “sustainability” – or they can risk being left behind.
Sustainability is a critical business issue that all companies must focus on. Wall Street research, academic papers, corporate reports and trends from major investors all underscore the same message: companies that adopt sustainable practices deliver superior financial results and can face the future with more resilience.
Corporate boards must take a leading role in championing sustainability across the entire business enterprise. More than executives and other employees, members of corporate boards are responsible for ensuring long-term shareholder success and overall value creation. Directors have a duty and a mandate to promote sustainability priorities in corporate strategy, risk management and performance in order to meet this fiduciary responsibility.
Yet, while there has been a measurable uptick in director engagement on sustainability issues, it is still largely the exception rather than the rule among most companies. A 2014 Ceres analysis of 600 of the largest publicly traded U.S. companies found that only 32 percent oversee sustainability at the board level. Additionally, except in the case of a few leading companies, it is often unclear whether board sustainability oversight is achieving meaningful performance improvements.
Building on interviews conducted with dozens of corporate directors, senior corporate leaders and governance experts, this report identifies key strategies for effective board engagement that can produce tangible environmental and social impacts. Specifically, the report recommends two inter-related approaches for weaving sustainability more deeply across board functions: 1) Integrating sustainability into board governance systems, and 2) Integrating sustainability into board actions. By combining robust systems and meaningful actions, boards will have a far better chance of achieving substantive performance improvements.
Impact investing study in the private equity fieldSitraTalousTeema
This presentation gathers the results from a collaborative study study commissioned by the Finnish Innovation Fund Sitra and the Finnish Venture Capital Association (FVCA), and carried out by Deloitte Ltd.
Impact at Scale: Policy Innovation for Instututional Investment with Social and Environmental Benefit, a collaboration between InSight at Pacific Community Ventures and the Initiative for Responsible Investment at Harvard University and funded by The Rockefeller Foundation, examines the practices of the largest U.S. investors in investing for both financial return and positive social and environmental impact.
It also explores the extensive role of public policy in shaping how institutional investors channel capital. The research reveals numerous government strategies that catalyze private investment for public good, including laws in 20 states that allow or encourage “economically targeted investments” where a public pension system invests in its home state to support local economic growth while also targeting a financial return to the fund.
What emerged as a modern, agnostic investment approach, driven largely by the rights movements is now becoming widely accepted by investors globally. 'SRI' assets now under management could reach $34-53 trillion by 2025. Why the shift in investor attitudes and what role can women at board level play to influence the future of socially responsible investments? Read more>> bit.ly/WiF14
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1. Sustainable Investing Strag
Why Investor Interest Con
Presented by:Presented by:
Michael Lent, Chief Investment Officer, Veris
April 22, 2013
ategies:g
ntinues to Grow
Wealth Partners, LLC
2. Firm Overview
Veris Wealth Partners, LLC is a sustaina
dedicated to aligning families’ and founda
and missions. Veris believes that superior
positive impact are complementary parts
• Founded in July of 2007Founded in July of 2007
• Best for the World Certified B Corp 2
• Independent, employee-owned, SEC
• Offices in NYC, San Francisco, and P
• Veris’ Partners have been providing
We believe that Sustainable Investing is a
performance-driven investing that aligns y
most important innovation to investing in op g
able wealth management firm
ations’ financial goals with their values
r investment performance and
of a holistic investment strategy.
2013
C-registered RIA
Portsmouth, NH
Impact Investing to clients since 1992
a smarter way to invest, and that
your wealth with your worldview is the
our lifetime.
3. “We see sustainability, both soy,
powerful path to innovation, an
strategies.”g
ocial and environmental, as a,
nd crucial to our growth
- Mark Parker, CEO, Nike, ,
4. ABCs of Sustainable Inve
• Ethical Investing
• Socially Responsible Investing (“SRI”
E i t l S i l d G• Environmental, Social, and Governan
• Sustainable Investing
• Impact InvestingImpact Investing
• Mission Related Investing (“MRI”) : Fo
estingg
)
C it i (“ESG”)ce Criteria (“ESG”)
oundation
5. Sustainability: What Does
Sustainability focuses on meeting the needs o
social economic and environmental needs of
y
social, economic, and environmental needs of
Sustainabilit
issues must
• Corporat
• Climate C
Global Tr• Global Tr
• Natural R
• Health &
• Human C
• Pandemi
• Poverty/Dy
• Water &
• Human C
• Demogra• Demogra
s It Mean?
of the present without compromising the
f the futuref the future.
ty Issues: When investing in companies, these
be a factor in fundamental equity analysis:q y y
te Governance
Change
ransition: Abundance to Scarcityransition: Abundance to Scarcity
Resource Preservation
Wellbeing
Capital, Empowerment & Creativity
cs: HIV/AIDS
Development Needsp
Energy
Capital
aphy/Urbanizationaphy/Urbanization
6. Developments in Sustainap
• Family Alignment – Values / Financi
• Expanded Investment Options Acros
• Quality Managers & Funds Entering
• Performance & Risk Mitigation
• Financial Advisors & Investment Con
able Investingg
al Objectives
ss Asset Classes
Field
nsultants With Expertisep
7. US SIF Trends Report 20p
$3.74 Trillion: U.S. Sustainable & Respon
12
nsible Assets in 2012
• 1 in 9 dollars is invested• 1 in 9 dollars is invested
using a sustainable
investing approach
O f th f t t• One of the fastest
growing segments of
investing
8. US SIF Trends Report 20p
“In cumulative terms the SRI Universe ha
while the broader universe of assets undewhile the broader universe of assets unde
States, according to estimates from Thom
from $7 Trillion in 1995 to $33 3 Trillion infrom $7 Trillion in 1995 to $33.3 Trillion in
12
as increased 486% from 1995 to 2012,
er professional management in the Uniteder professional management in the United
mson Reuters Nelson, has grown 376%
n 2012 ”n 2012.
- US SIF 2012 Trends Report
11. Strong Investment Perforg
250
KLD 400 Cumulative Rtn
200
S&P 500 Cumulative Rtn
150
50
100
0
50
mance
Risk and
Return
(6/1992-
MSCI
KLD
400
S&P
500
3/2013)
400
20-year
Annualized
Return
8.70 8.53
Standard
Deviation
17.29 16.92
Alpha 0.09 --p a 0 09
R-Squared 98.05 100
Information
Ratio
0.7 --
Tracking
Error
2.43 --
Source: Zephyr Analysis, MSCI
and Standard & Poor’s.and Standard & Poor s.
12. Academic Research on P
Over 300 studies conducted on performa
incorporate “Environmental, Social and Gp ,
portfolio construction
• Vast majority show no negative impa
resultsresults
• Some studies show companies with
(CSR) or ESG scores have a lower
k t b d d ti b dmarket-based and accounting-based
Research Reviews:
• Fulton Mark et al “Sustainable Inv• Fulton, Mark, et al., Sustainable Inv
and Performance,” Deutsche Bank C
• Gladman, Kimberly, “Ten Things to
P f ” G M t iPerformance,” Governance Metrics
• Statman, Meir, “Socially Responsibl
Consulting, Vol. 8, No. 2, pp. 17-37,
Performance
ance of indices and funds that
Governance” (ESG) factors in equity( ) q y
act on performance: neutral or mixed
high “Corporate Social Responsibility”
cost of capital and are correlated with
d t fd outperformance.
vesting: Establishing Long Term Valuevesting: Establishing Long Term Value
Climate Change Advisors, June 2012.
Know about Responsible Investment &
I t ti l I M h 2011International, Inc., March 2011.
e Investments,” Journal of Investment
Summer 2007.
13. Academic Research on P
Outperformance found in firms with b
• El Ghoul Sadok et al “Does corpo• El Ghoul, Sadok, et al., Does corpo
of capital?“ Journal of Banking & Fin
2406, September 2011. (2011 winne
“ fi d h fi i h b CSR“…we find that firms with better CSR
In particular, our findings suggest t
responsible employee relations, e
t t i t ib t b t ti lstrategies contributes substantial
Performance
etter CSR scores
orate social responsibility affect the costorate social responsibility affect the cost
nance, Volume 35, Issue 9, p. 2388-
er of the Moskowitz Prize)
R hibi h i fi iR scores exhibit cheaper equity financing.
that investment in improving
nvironmental policies, and product
l t d i fi ’ t f it ”ly to reducing firms’ cost of equity.”
14. Academic Research on P
Outperformance found in high sustain
• Eccles Robert et al “The Impact o• Eccles, Robert, et al., The Impact o
Corporate Behavior and Performanc
November 2011.
“U i h d l f 180“Using a matched sample of 180 com
voluntarily adopted environmental and
termed as High Sustainability compan
h t i ti f t h d lcharacteristics from a matched sampl
these policies – termed as Low Susta
evidence that firms in the High Sus
significantly outperform their counsignificantly outperform their coun
group.”
Performance
nability companies
of Corporate Culture of Sustainability onof Corporate Culture of Sustainability on
ce,” HBS Working Paper Series 12-035,
i fi d h i hmpanies, we find that corporations that
d social policies many years ago –
nies – exhibit fundamentally different
l f fi th t d t d l t fle of firms that adopted almost none of
ainability companies…Overall, we find
stainability group are able to
nterparts in the Low Sustainabilitynterparts in the Low Sustainability
15. Veris Portfolio Constructio
Financial
G l &
Develop F
+Impact I
Goals &
Objectives
Impact I
Policy Sta
C T I
Define TargetA
ConductScan of Investments
Create TargetIm
SelectFinalists, Complete
ConductScan of Investments
Monitor and Evaluate Financ
Ongo
on Process
Articulate
Mi i /
Financial
nvesting
Mission /
Values
nvesting
atement
Th
AssetAllocation
sAddressing ImpactThemes
mpact Themes
Due Diligence & Analysis
sAddressing ImpactThemes
cial and Impact Performance
oing
16. Resources
US SIF The For m for S stainable a• US SIF: The Forum for Sustainable a
http://ussif.org/
• FSInsight http://fsinsight.org/
• Bloomberg Sustainability http://www.
• Global Impact Investing Network (GII
• Global Impact Investing Rating Syste
• ImpactBase: a project of GIIN http://w
• ImpactAssets 50 http://www impactas• ImpactAssets 50 http://www.impactas
• CARS http://www.carsratingsystem.n
and Responsible In estmentand Responsible Investment
bloomberg.com/sustainability/
IN) http://thegiin.org
em (GIIRS) http://giirs.org
www.impactbase.org/
ssets org/impactassets 50ssets.org/impactassets-50
net
17. Biography
Michael Lent, Partner & Chief Investment O
Michael is a founding principal and the CIO of Veris
g p y
g p p
delivering financial planning and investment consult
foundations. Michael has been recognized by the C
value community investing and is regularly cited by
matters pertaining to sustainable investing. Prior to Vp g g
Progressive Asset Management, the first national fu
responsible investing.
Earlier in his career, while working on economic dev, g
realized that, for his work to achieve its full impact, h
access to new financial resources. So he began to f
who also recognized the important link between cap
their resources to achieve personal financial goals wtheir resources to achieve personal financial goals w
them.
Michael is the Treasurer and a Trustee of the Edwa
the Board of Directors of US SIF, The Forum for Suthe Board of Directors of US SIF, The Forum for Su
a member of the Investment Management Consulta
Management Analyst (CIMA®). Michael graduated f
with a B.A. in Biology. He lives with his wife in Brook
Officer
Wealth Partners,LLC. For 19 years, he’s been, y ,
ting services to families, family offices, and
alvert Foundation for his advocacy of blended-
major media outlets such as AP and Reuters on
Veris, he co-founded the New York office of,
ull-service broker/dealer to focus on socially
velopment issues in Central America, Michaelp ,
he and his colleagues would need sustained
focus his efforts on outreach, educating others
pital and social change. He now helps others use
while having a positive impact on the world aroundwhile having a positive impact on the world around
rd W. Hazen Foundation, and serves as Chair of
stainable and Responsible Investment. He is alsostainable and Responsible Investment. He is also
ants Association (IMCA) and a Certified Investment
from the University of California at Santa Cruz
klyn, NY.
18. Important Consumer Disc
This presentation contains general information that
guarantee of future results. There is no guarantee t
presentation will come to pass Investing in the stoc
p
presentation will come to pass. Investing in the stoc
suitable for all investors. Information presented her
be considered as a solicitation to buy or sell any sec
V i W lth P t LLC (“V i ”) i SEC iVeris Wealth Partners, LLC (“Veris”) is an SEC regis
business in the State of California. Veris and its rep
registration requirements imposed upon registered i
maintains clients. Veris may only transact business
f ffor an exemption or exclusion from registration requ
dissemination of general information pertaining to its
subsequent, direct communication by Veris with a p
representative that is either registered or qualifies fo
state where the prospective client resides. For infor
please contact Veris or refer to the Investment Advis
(www.adviserinfo.sec.gov).
For additional information about Veris, including fee
set forth on Form ADV Part 2A from Veris using the
disclosure statement carefully before you invest or s
closure
is not suitable for everyone. Past performance is no
that the views and opinions expressed in this
ck market involves gains and losses and may not beck market involves gains and losses and may not be
rein is subject to change without notice and should not
curity.
t d i t t d i ith it i i l l fstered investment adviser with its principal place of
presentatives are in compliance with the current
investment advisers by those states in which Veris
s in those states in which it is registered, or qualifies
uirements. This presentation is limited to the
s investment advisory/management services. Any
rospective client shall be conducted by a
or an exemption or exclusion from registration in the
rmation pertaining to the registration status of Veris,
ser Public Disclosure web site
s and services, send for our disclosure statement as
contact information herein. Please read the
send money.
19. Thank You
For more information:
Michael Lent
www.veriswp.com
mlent@veriswp.com
(212) 349-4172