Relationships are built on trust. We recognize the value of operating with full transparency and integrity, not only to meet our stringent regulatory requirements, but more importantly to protect our clients’ privacy and their trust we have worked so hard to earn over the last two decades.
We have policies to maintain the confidentiality and security of nonpublic personal information. The following is designed to help you understand what information we collect and how we use that information to provide financial and investment advisory services.
Categories of Information We May Collect
In the normal course of business, we may collect the following types of information:
Information provided in the subscription documents and other forms (including name, address, social security number, date of birth, income, and other financial-related information); and data about transactions with us (such as the types of investments made and account status).
How We Use Information That We Collect
Confidentiality and Security
We restrict access to nonpublic personal information about our clients to those employees and agents who need to know that information to provide products and services to our clients. We maintain physical, electronic and procedural safeguards to protect our clients’ nonpublic personal information. We respect and value our clients’ trust with their private financial information, and we work diligently to maintain that trust. We are committed to preserving that trust by respecting privacy as provided herein.
If you have any questions regarding this privacy notice, please contact us.
Form CRS Relationship Summary
There are different ways you can get help with your investments. You should carefully consider which types of accounts and services are right for you. Free and simple tools are available to research firms and financial professionals at www.investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing. We are an investment adviser registered with the Securities and Exchange Commission that offers advisory accounts and services rather than brokerage accounts and services. The Form CRS Relationship Summary document gives you a summary of the types of services we provide and how you pay. Please ask us for more information. There are some suggested questions to ask us at the end of each section.
Form ADV Part 2A – Firm Brochure
This Firm Brochure provides information about the qualifications and business practices of Impact Investors, Inc., “Impact Investors”. If clients have any questions about the contents, they should contact us at (888) 463-6861. The information has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.
Wrap Fee Program Brochure
Impact Investors is required to advise investors of any material changes to our Wrap Fee Program Brochure (“Wrap Brochure”) from our last annual update, identify those changes on the cover page of our Wrap Brochure or on the page immediately following the cover page, or in a separate communication accompanying our Wrap Brochure. We must state clearly that we are discussing only material changes since the last annual update of our Wrap Brochure, and we must provide the date of the last annual update of our Wrap Brochure.
Impact Investors is a registered investment adviser with the SEC offering advisory services. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Impact Investors in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Impact Investors, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with a licensed advisor, accountant or legal counsel prior to implementation.
CFP (Certified Financial Planner)®
The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and several other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
- Education – Complete an advanced college‐level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
- Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
- Experience – Complete at least three years of full‐time financial planning‐related experience (or the equivalent, measured as 2,000 hours per year); and
- Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:
- Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
- Ethics – Renew an agreement to be bound by the Standards of Professional Conduct.
The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.
Accredited Investment Fiduciary® (AIF®)
Investment fiduciaries and professionals are constantly exposed to legal and practical scrutiny. It is likely that complaints and/or lawsuits alleging investment mismanagement will continue to increase. Many can be avoided by having clear knowledge of who constitutes a fiduciary and what is required of one. The AIF Designation Training and designation help mitigate this liability with instruction covering pertinent legislation and best practices. Accredited Investment Fiduciary® (AIF®) designees have the ability to implement a prudent process into their own investment practices as well as being able to assist others in implementing proper policies and procedures.
Benefits of the AIF® Designation
In addition to the knowledge and business opportunities the AIF® designation represents, all active designees are entitled to the following services and benefits:
- Access to a library of materials focused on the fiduciary standard created by experts and continually updated based on advances in case law, regulatory activity and thought leadership.
- Listing in online Designee Search Library accessible to prospective and current clients, media, potential employers and referrals.
- Continuing education courses and lectures.
- One‐on‐one service and support from Fi360 staff.
- Access to Fi360’s software tools and annual Conference and bookstore
AIF® designees adhere to both the Code of Ethics and Conduct Standards. The Code of Ethics consists of the tenets of ethical conduct expected of all credential holders, while the Conducts Standards pertain to any past criminal and civil litigation, regulatory events, and personal and professional conduct.
Continuing Education Requirement
AIF® designees must accrue a minimum of six hours of continuing education annually. The CE requirement is effective immediately upon attainment of the AIF® designation, and CE hours may be accrued from a variety of sources. All CE is subject to audit by, and final approval from, Fi360.
Business Continuity Plan Summary
Impact Investors has developed and implemented a Business Continuity Plan (BCP) to facilitate continued business in the event of a Significant Business Disruption (SBD). Due to the confidential nature and sensitivity of the information and procedures contained in its BCP, Impact Investors has created this Summary. This Summary will provide a general overview of the BCP’s contents and focal areas without divulging critically sensitive and protected information of Impact Investors and its employees and service providers.
Our BCP addresses a variety of SBDs, including Local SBDs (flood, fire, power outage), Intermediate SBDs (inability to access the building, compromised primary computer servers), and Widespread SBD (West Coast blackout, pandemic, terror attack). In each SBD, the BCP provides for the safety of our employees as well as for redundant or alternate means of communication with our employees, clients, investors and service providers; strategies to monitor/cancel trade instructions and protect our required books and records; and methodologies to continue/resume normal business operations.
Our BCP and DR Plan identify primary teams to oversee the development and testing of the BCP as well as primary team members charged with the declaration of a disaster in which any (or all) portions of our more detailed DR Plan will be implemented. As the majority of our mission critical systems are not dependent on a single physical location, Impact Investors expects to recover quickly from any SBD with minimal interruption based on the severity of the SBD. In support of the quick recovery initiative, our BCP identifies: mission critical systems; key personnel; evacuation plans; alternate physical locations; remote access procedures; emergency communication plans (including call trees, and contact strategies for key service providers, clients and investors); data backup and recovery plans; and plan testing.
In the event of an SBD, clients, investors, and service providers may continue to contact us on our main phone line at (888) 463-6861. During an SBD, the main line will be forwarded to a BCP team member who will be able to assist you with your concerns. If you are unable to reach us by phone, you may email Client Services at [email protected] and a member of the Impact Investors team will respond as soon as practicable.
As leaders in the field, Impact Investors actively seeks professional affiliations and recognitions to promote sustainable and responsible investment practices and to be an industry leader through engagement, activism, and professional development. The following industry groups have recognized us for our efforts:
US SIF: The Forum for Sustainable and Responsible Investment is the leading voice advancing sustainable investing across all asset classes. Their mission is to rapidly shift investment practices toward sustainability, focusing on long-term investment and the generation of positive social and environmental impacts. Their vision is that environmental, social and governance impacts are meaningfully assessed in all investment decisions resulting in a more sustainable and equitable society.
US SIF members, representing $5 trillion in assets under management or advisement, include investment management and advisory firms, mutual fund companies, research firms, financial planners and advisors, broker-dealers, banks, credit unions, community development organizations and non-profit associations.
FPA NorCal: Since 1972, the Financial Planning Association in Northern California Conference has held its annual conference in San Francisco for the purposes of furthering education and community networking. The FPA NorCal Conference is organized by a committee of respected financial planning professionals representing the San Francisco Bay Area FPA Chapters – San Francisco, East Bay, Silicon Valley, and Northern California (Sacramento).
This conference is planned for financial planners by financial planners and is the country’s most established, advanced-level conference that provides the opportunity to interact with all parts of the regional financial planning community and profession.
ESG for Impact! is a two-day, advisor-focused event where investment experts come together to share information, collaborate on projects, and network with their peers. Organized by industry veterans for over thirty years, attendees gain knowledge from some of the industry’s best with the primary focus on Client-Facing Advisors and Asset Managers who work with clients using ESG Factors to construct quality investment portfolios while also supporting a sustainable and just society. All other members of the Socially Responsible Investment Community are invited to attend as well.