Macroclimate is a new kind of investment company: one that leverages science and technology to help you invest better with impact. We've been a Dimensional-approved fee-only fiduciary adviser since 2004 - and are SEC registered. As a fee-only fiduciary advisor, we never earn commissions based on where we invest your money - and always put our clients' interest first.

Fee-only fiduciary advisors like Macroclimate are regulated by the SEC and adhere to the Fiduciary Standard of Care, which means we always act solely in the client's best interest when offering personalized financial advice. Fee-only means clients' fees are our only source of compensation. For example, we do not earn commissions based on where we invest your money or referral fees for helping you connect with the right advisors for tax and accounting services.

Macroclimate is not affiliated with Dimensional, and doesn't receive commissions or financial incentives of any kind for recommending Dimensional funds. We primarily use Dimensional funds because: 1) our investment beliefs are well aligned with Dimensional; and 2) Dimensional funds offer a way to attain broadly-diversified Fossil Free portfolios at low cost.

Macroclimate co-founders Mark Kriss and Peter Kriss serve as a non-paid members of the Dimensional Sustainability Funds Council. The Sustainability Funds Council is a group of consultants and wealth managers not affiliated with Dimensional working together with Dimensional to research the best ways to provide sustainability investment solutions to investors.

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.

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.

Many financial advisors claim they are most qualified to handle investment management as well as financial and tax planning. Given the often complex financial needs and circumstances of high-net-worth families, this is rarely true no one is best-in-class at everything. Separate advisors for financial and tax planning versus investment also means neither has a potential conflict of interest.

If there's a gap in your circle of trusted advisors, we can help you assemble your best-in-class financial team. 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. Rest assured that, as a fee-only fiduciary advisory, we do not 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 Dimensional (DFA) mutual funds you'll own and transaction fees charged by your brokerage firm.

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 patented tax-efficient core equity technology and continuously seeks to optimize tax loss harvesting in an attempt to reduce your investment and overall taxes.

When you sign up for 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.

Since we don't trade often once your new portfolio has been established, realizing significant capital gains should be infrequent in most cases. One of our management objectives is tax efficiency our fund selection criteria values after-tax returns over pre-tax returns. We prefer long-term gains over short-term gains to keep taxes as low as possible. 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 when opening your account.

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

As an SEC-registered investment advisor, we serve clients anywhere in the United States, but not abroad.

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:

• 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.

When you login to the Client Portal, click on "Statements" tab to view interactive reports for the most recent quarter as well as a complete archive of all past time periods.

The "Portfolio" tab links you to interactive on-demand performance and holdings reports that will become meaningful once investment has been underway for at least a few months. Since we're disciplined long-term investors, as a general a rule, there's no need to check this information more than once a quarter or even longer if you prefer.

If you click on "Documents" you'll see copies of your completed investment documents (Investment Policy Statement and Investment Advisory Agreement) and, under "Shared Documents", disclosures and notices (our Privacy Policy, SEC filings and Business Continuity Plan).

You also can easily and securely share documents with us by clicking "Upload Document". Please always use this feature for transmission to us of any confidential information (including, for example, Social Security and account numbers). This is an important information security best practice to protect you against identity theft.

You can close your Macroclimate account at any time for any reason without penalty. Your account will retain your current holdings, but you will not be able to purchase additional shares of Dimensional's institutional-grade mutual funds.

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.

Whether you're comfortable with a lot of risk or lean towards more safety, a properly diversified portfolio will help reduce your risk compared to a non-diversified one. A portfolio that's filled with a combination of stock and bond mutual funds of various degrees of risk means it'll be better prepared for any number of situations the market throws at it.

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: US-based stocks, developed (non-US) and emerging market stocks, real estate, government bonds (US and non-US), and 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. Typically, everyday investors are often paying too much in fees and/or own a portfolio that's not well-diversified (translation: taking on more risk and necessary). To provide you with an efficient portfolio geared towards long-term growth, we will sell your current holdings and replace them with low-cost, well-diversified institutional-grade 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.

Note: Capital gains taxes are only triggered when an asset (like stocks or mutual fund shares) are sold for a price that is higher than the purchase price. Our free cost basis analysis described above may be advisable if you think you have holdings with substantial unrealized gains in a taxable account. Since capital gains in tax-deferred accounts like IRAs or 401Ks accumulate tax free until the investor takes constructive receipt of the gains (i.e. withdraws cash from the account), they are not subject to these capital gains tax considerations when restructuring investment portfolios.

Please consult your tax advisor regarding your personal tax situation.

We have extensive experience in 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. 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 more mutual funds to maintain your target allocation. To keep transaction costs low, we won't buy small amount of a security if it results in unnecessary transaction fees. When you need to withdraw funds, we rebalance to your target allocation following your cash withdrawal.

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 U.S. Instability Protection 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 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 brokerage account per your authorization.

We won't sell your personal information — ever. As a fiduciary advisor, we value your trust and safeguard your confidential information. Nor do we accept commissions or compensation of any kind based on the financial products of service delivery partners we recommend. See our Privacy Policy for more detail.