Construction
The core carries the household. The regenerative portfolio changes something. Neither is asked to do the other's job, which is what keeps both honest.
Diversified public stocks and bonds, screened to your values, with tax-loss harvesting and shareholder voting handled as a matter of course. This is the part that has to work in every market.
Targeting market-rate returns. Liquid — you can raise cash from this side when you need to.
Private capital into farmland, working forests, community lending, clean energy, and employee ownership — sized so the lock-up is a deliberate choice rather than a constraint you discover later.
Return targets vary by investment. You'll know which before you commit a dollar. Capital is committed for years.
Private companies & real assets · 8–12 years
Farmland, forests, solar infrastructure, and employee-ownership buyouts. Returns arrive late and unevenly — the first years run below target while funds deploy capital. We say so at the outset so the first annual review isn't a surprise.
Private credit & community notes · laddered
Farm transition lending, community development notes, solar project debt, and insured deposits at mission banks. Built as a ladder so maturities roll every 12–30 months, giving you visible cash back inside a committed allocation.
Reporting
Once a year, you receive a clear picture of performance and verified impacts side by side. Sources are named line by line. Where a number is unavailable, the review says so rather than filling the gap.
What you won't find in it: impact scores of our own invention, ratings bought from a vendor, or a sustainability grade with no underlying count. If we can't point at where a figure came from, it isn't in your report.