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© 2018 by Handcrafted Financial Values LLC

An Oregon benefit company

Located in Portland, Oregon

503-893-9708

All photographs taken by Tim Martin or used with permission.

See "Home" page for legal disclaimer and disclosures.

Handcrafted Financial Values was founded to help socially-conscious individuals use their money more intentionally.  We listen to your particular values and interests, discuss relevant financial planning options, and help you implement a tailored plan. 

Values-Based Planning

Do you:

  • Want your portfolio to reflect your values?

  • Want your spending & investments to support particular causes?

  • Want to divest of certain sectors or companies?

  • Want to discuss how your finances can support your local community?

At HFV, we will explore your financial values with you and integrate them into your financial life plan.  Values-based planning involves more than just your investments.  We can discuss your human capital, your social capital, your sustainability strategies, ways to invest in your local community, and your desire to be more intentional in the products you buy or the companies you support.

Socially Responsible Investing

Do you know exactly what is in your socially responsible investing (SRI) fund?  Is your advisor excited to discuss SRI options?  Not sure if you have access to SRI funds in your employer retirement account?

We can help.

We believe SRI is important for 2 primary reasons:

  1. SRI has the potential to accelerate the transition to a more just and sustainable society.

  2. SRI allows people to consider their values when investing and to support certain causes, along with investing for long-term goals.  SRI thus gives investments a dual purpose and can change people's relationship with their investments.

Our Thoughts on Socially Responsible Investing

SRI has a different meaning for different people.  Thus, we use the term broadly to include the following concepts:

  • Mutual funds and exchange-traded funds (ETFs) that choose securities based on general sustainability or corporate social responsibility (CSR) initiatives or metrics

  • Mutual funds and ETFs that choose securities based on environmental, social, and corporate governance (ESG) factors; some fund managers may use ESG factors as a metric to assess long-term value, rather than explicitly trying to create a clean or true SRI fund

  • Sustainable, Responsible, and Impact Investing – an alternative meaning for “SRI”

  • Negative screening – avoiding the securities of certain sectors or companies

  • Positive screening – investing in certain sectors, like Cleantech, or investing in certain companies based on certain factors like board diversity or women in leadership positions

  • Impact investing – generally, large investments in ventures before a public stock offering (venture capital)

  • Green bonds – generally, funding for projects that have positive environmental benefits

  • Social impact bonds – generally, funding for social programs that may not otherwise receive government or private funding

Some SRI techniques and funds are more “pure” or responsible than others.  For example, some SRI mutual funds and ETFs look very similar to traditional funds of the same asset class because they may just include companies with the broadest sustainability initiatives, no matter the industry or existence of negative practices in the same companies.  Thus, an individual investor may be surprised to discover that the companies in a SRI fund do not reflect his or her values or concept of SRI.

We will attempt to find investments that fit your idea of SRI, but that goal may not always be achievable based on the investments available.  We do not necessarily avoid less pure SRI funds — as long as clients know what they are getting.  Investing in these less pure SRI funds can still be beneficial from a values perspective since the money invested will be counted as SRI assets by the financial industry and the media.  The growth of SRI raises its profile, potentially attracting more assets and sending signals to companies to think more responsibly.

We love discussing this stuff.  Whatever your particular interest in SRI — sustainability, keeping your money local, the environment, divesting from a particular industry, or promoting companies with good CSR and ESG metrics — we want to help you find appropriate investments and use your money intentionally.