Invest In Your Future

ESG focused portfolios allow employees to align their retirement assets

with their values and gives their portfolios the information advantage of considering environmental, social and governance factors in their management.

Impact RetirementTM ESG focused target portfolios are a composite of ESG focused mutual funds. The allocation to each respective fund in the portfolio is based upon an age appropriate or target risk level. Target-date portfolios change over time, getting more conservative as the vintage ages. This automatic de-risking of the portfolio over time is referred to as the “glide path.” In contrast, target-risk portfolios attempt to maintain a static risk level.

Many retirement plan record keepers have technology that allows for the creation of custom target portfolios. Adding Impact Retirement ESG focused portfolios to a plan on one of these platforms can be as easy as adding a few new funds to a plan's investment menu.


Sample portfolio allocation for illustrative purposes and does not reflect an actual portfolio allocation.

Fund Evaluation: traditional and ESG factors

Managers are evaluated on a quarterly basis for ESG, performance, risk and management factors. Funds that fail to meet the evaluation criterial documented in the Investment Policy Statement (IPS) will either be placed on "watch" or replaced depending on the deficiencies of the particular fund.

Traditional Factors Considered

  • Manager style and market cap consistency

  • Performance over short, mid and longer term

  • Risk and risk adjusted performance

  • Manager tenure

  • Expenses

  • Overall management firm strength


ESG Factors Considered

  • Morningstar Sustainability Rating

  • Objectionable lines of business

  • Controversial business practices

  • ESG focus in prospectus

  • UN PRI (Principles for Responsible Investing) signatory

  • Votes proxies in line with ESG values

Deutsche Asset & Wealth Management, "ESG & Corporate Financial Performance: Mapping the global landscape", Dec 2015

Park and Elm Investment Advisers LLC is a registered investment adviser in the State of Indiana and Washington. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. Park and Elm Investment Advisers LLC is doing business as ClearPoint Financial Partners.

For more information contact:

Mike Grimme