Socially Responsible Investing

AspireQuest Portfolios are offered through
Ed Yetsko, MBA, CFP®, CSRIC™

The Chartered SRI Counseler™ (CSRIC®) professional desigation was developed jointly with the US Forum for Sustainable and Responsible Investment and is conferred by the College for Financial Planning.  It is a program that provides a blend of foundational knowledge and scenario learning to work with sustainable, responsible and impact investments for a variety of individual and institutional clients.

AspireQuest Portfolios

Sustainable , responsible and impact investing (SRI) is an investment approach that considers environmental, social and corporate governance  factors in investment selection in an effort to generate long-term competitive financial returns and positive societal impact. Many terms are often used to describe SRI investing. Investors may use labels such as: “values based investing”, “ethical investing”, “green investing”, “impact investing”, “mission-related investing”, “socially responsible investing”, "ESG investing",  and “sustainable investing” among others.

In general, there are four approaches to SRI Investing, some or all of which may be used in building a portfolio:

  1. Screened (or exclusionary) Investing - Screen and exclude investments to eliminate exposure to companies or sectors whose business activities pose certain risks or do not meet client values or guidelines (e.g. - screening out fossil fuel, firearms, or tobacco from a portfolio).

  2. ESG Integration or tilting - Incorporate the evaluation of environmental, social and governance business practices into traditional financial analysis to identify risks and opportunities.  This also could involve seeking out "best in class" companies based on ESG characteristics.

  3. Thematic Investing - Focusing on a particular environmental, social, or governance issue (e.g. - clean energy, gender equality) or including companies whose management meets a thematic threshold (e.g. - board gender diversity).

  4. Impact Investing - Achieving a measurable social and environmental impact alongside a financial return (e.g. - green bonds that finance environmental projects such as new solar panels).

Our Approach

Our portfolios are customized to an appropriate level of risk based on your profile and to incorporate investments that best reflect your values and concerns.

  1. Determine your appropriate risk level and investment goals.

    • We first determine your risk level utilizing and on-line risk assessment questionnaire and discuss the planning and investment goal(s) that your portfolio(s) will support.  Take our risk assessment questionnaire.

  2. Identify your SRI investment guidelines.

    • We then identify any specific restrictions on types of companies that you wish to own and if the portfolio should include any specific areas of concern that you would like to see incorporated (e.g. climate change, clean water, etc.).

  3. Select the appropriate investment managers and vehicles and asset allocation.

    • Based on what we have decided in the first two steps, we construct a portfolio using individual securities, actively managed and index mutual funds, and exchange traded funds.

  4. Monitor the portfolio and make adjustments as needed.

    • We then continually monitor the portfolio and make adjustments based on changes in your personal investment objectives, and changes in the financial and economic environment or manager performance.  Portfolios are generally re-balanced on a quarterly basis.