Macroclimate uses state-of-the-art web technology to automate many of our processes and enable us to charge low fees. This means, for example, that our account opening process is steamlined and you get 24/7 access to portfolio performance reports updated as of yesterday's market close.

Automation also plays an important role in our internal operations we utilize state-of-the-art algorithmic rebalancing to facilitate timely cash management, tax minimization and cost-effective trading for your benefit.

Yes. Contact us to get started. If you have existing holdings in taxable account, we'd be pleased to conduct an initial analysis of your portfolio at no additional charge to make sure that we're being tax efficient with the rollout of your strategy.

Some financial advisors offer services spanning investment management, financial and tax planning, and other services.

However, our belief is that you should always receive advice from the appropriate specialists when necessary, rather than depending on a single advisor to work outside their core expertise.

If there's a gap in your circle of trusted advisors, we would be pleased to make introductions to highly-regarded specialists with whom we have worked in tax planning and consulting, stock options advisory, trust, estate, gifts and philanthropy, real estate advisory, retirement planning and other areas. We never earn referral fees for helping you connect with the right advisors for such services.

Yes! Actually, we exceed the standards of the fossil fuel divestment movement.

Please see our Pricing. Other than our fees, the only other costs are the relatively low expenses of the funds you'll own and (also low) transaction fees charged by the custodian, Charles Schwab.

Absolutely. We can manage any type of IRA. We can also help you roll an old 401(k) from your prior employer into a Low Carbon IRA. Because of the tax-advantaged nature of such accounts, converting your existing investments to your new Macroclimate strategy can be done without paying any extra taxes.

We support individual, joint, and trust accounts along with 529 college saving plans and all types of IRAs. Have an old 401(k)? We can help roll it over into a Low Carbon IRA.

We also support endowment accounts for non-profit organizations such as professional associations, foundations, museums, environmental organizations, educational institutions, and religious institutions and organizations.

You can open a Macroclimate account with $200,000.

In nutshell, you get an efficient, well-balanced ultra-low-carbon portfolio using low-cost, institutional-grade funds. After getting you into the right mix of investments, we monitor your portfolio regularly and will automatically rebalance when necessary.

You will also gain access to on-demand performance reports through the Macroclimate Client Portal as well as personal service from Macroclimate’s Managing Partner to discuss any of your needs.

Macroclimate utilizes funds with tax-efficient core equity technology and we also take advantage of opportunities for tax loss harvesting in an attempt to reduce your taxes.

When you sign up for a taxable Macroclimate account, we'd be pleased to conduct an initial analysis of your existing holdings (at no additional charge) to make sure that we're being tax efficient with your strategy.

Our fund selection criteria value after-tax returns over pre-tax returns and we prefer long-term gains over short-term gains to reduce your tax burden. If for tax reasons you're not prepared for us to sell a security, you can keep it out of your account by notifying us upon account opening.

We recommend speaking with a tax professional to discuss your specific situation.

Macroclimate does not take custody of your assets. Instead, we have partnered with one of the most trusted and popular brokerages in the country: Charles Schwab. This means if your money is already there, your Macroclimate account will stay there.

If your account is at a different brokerage, we'll open Macroclimate account for you at Schwab.

If your account is already at Charles Schwab, Macroclimate will be added as an advisor and we'll manage your account at Schwab. If your account is at another brokerage, we'll move your account to Schwab and manage it from there.

Once you get started, our first step is to reinvest your current holdings to create an efficient, well-balanced portfolio for you using low-cost, institutional-grade funds. After getting you into the right mix of investments, we'll monitor your portfolio and automatically rebalance quarterly.

Our fee is charged following the end of each quarter and automatically deducted from your brokerage account.

You have four options for depositing funds:

• Mail a physical check

• Mobile check deposit

• Electronic (ACH) transfer

• Wire transfer

We only invest in liquid assets, so you are able to withdraw any or all of your funds at any time. Your have several options for how to do so, including:

• Write a check

• Electronic (ACH) transfer

• Wire

For large withdraws, we recommend alerting your advisor in advance to avoid any short-term interest charges resulting from holding a negative cash balance.

You can change your strategy at any time by contacting your advisor.

Tax reporting is the responsibility of Charles Schwab so all of the documents will come from them.

On-demand performance reports are available through the Macroclimate Client Portal. Interactive graphical reports show performance, cash flow and asset allocation as of yesterday's close, most recent quarter, or any historical period for your account.

You can close your Macroclimate account at any time for any reason without penalty.

If you choose to manage your portfolio on your own (as opposed to selecting a different advisor), your account will be transitioned to Charles Schwab’s retail brokerage service.

Our investment philosophy is science based. We believe in creating broadly diversified portfolios - in stocks, bonds and real estate (REITs) — that give you exposure to investments both in the US and internationally. While leveraging the most advanced financial science, patient long-term investors are likely to be additionally rewarded for minimizing unnecessary risks based on known trends affecting the world in the coming decades - in particular, climate change.

Our primary goal is to build a globally diversified portfolio for you at low cost. To do this, we focus on both security-level diversification by investing in asset class funds and market diversification by providing exposure to many different markets across asset classes.

The funds we use are broadly diversified within each asset class we focus on, including US-based stocks, developed (non-US) and emerging market stocks, real estate, government bonds (US and non-US), real return (inflation-protected) bonds.

We do not investment in privately held companies or attempt to predict which specific public companies are going to outperform others.

Please contact us for our most recent performance data.

Our goal is simple — to provide you with a low-cost, well-balanced and environmentally responsible portfolio operating at the risk level appropriate to your situation and preferences. Some investors pay high fees and/or own a portfolio that's not well-diversified (translation: taking on more risk than necessary). To provide you with an efficient portfolio geared towards long-term growth, we will sell your current holdings and replace them with a set of low-cost, well-diversified funds.

If you have existing holdings in a taxable account, we'd be pleased to conduct an initial analysis of your portfolio (at no additional charge) to make sure that we're being tax efficient with the rollout of your strategy. If your transferred assets hold substantial unrealized gains, we will offer at least two rollout options — one that more strongly prioritizes limiting taxes and one that prioritizes strategy optimization going forward.

Please consult your tax advisor regarding your personal tax situation.

We have experience diversifying concentrated stock risk associated with liquidity events like IPOs and acquisitions. Our approach aims to optimize after-tax financial returns while minimizing negative emotional impacts such as regret that can derail a strategy. We have developed a custom analytical tool that compares the market risk versus tax benefits of holding concentrated assets longer in order to pay long-term capital gains tax instead of ordinary income tax. We provide these personalized analyses free of charge.

We also can help you connect with the right advisors. If there's gap in your circle of advisors, we can make introductions to specialists in stock options advisory, tax planning, trust, estate and gift advisory, philanthropic planning, and family office services. We never accept referral fees for doing so. Our belief is that you should always receive advice from the appropriate specialists when necessary, rather than depending on a single advisor to work outside their core expertise.

We rebalance quarterly — and, as needed, when you add or withdraw cash from your account. As you add cash to portfolio, we buy the necessary funds to maintain your target allocation. When you need to withdraw cash, we sell the necessary assets to keep your maintain your target asset allocation.

Ray Dalio's recent book lays out a deeply researched argument that the United States is at risk of losing its position as the dominant world power. We offer a U.S. Instability Protection Plan as an optional feature on all of our portfolios with the goal of reducing your financial risk associated with such a possibility.

You are expected to maintain security best practices such as keeping your personal identifying information and account information confidential, and never relying on email for the transmission of sensitive information. If you're concerned about identity theft, data breaches, or someone gaining access to your credit report without your permission, we suggest placing a freeze on your credit reports.

Only if you have given us specific prior authorization can we move money out of your account and even then, only upon your request and only to specific other accounts that you have authorized (e.g. your bank account).

The sole exception is the fees you pay us at the end of each quarter, which are automatically deducted from your account per your authorization.

We safeguard your confidential information and only share it with third parties as required to service your account. We never sell your information. See our Privacy Policy for more detail.