Internal working draft · Model construction only · All terms unverified pending sponsor confirmation

Renew Wealth Management · Regenerative allocation

Two market-rate
model portfolios

The regenerative 20% of a client household, built two ways: a growth strategy in private equity and real assets, and an income strategy in private credit and notes. Every vehicle must produce a verifiable impact number a client can see in their annual review — if the sponsor can't report it, it doesn't make the list. Return and term figures below are analyst estimates from last-known data; the sponsor calls confirm each one.

Portfolio one

Regenerative equity portfolio

7.5–9.5%Blended target, net
8–12 yrTypical hold
IlliquidNo early exit
7Vehicles
QP/Accr.Mostly gated

Ecotrust Forest Management — current fund est.

20%
StructureClosed-end PE
Target net6–9% IRR
Term12–15 yr
EligibilityAccredited / QP
Est. fees~1.25% + carry
Est. minimum$250k

Verified impact: FSC-certified acres under climate-smart management; tons CO2e sequestered via registry-verified improved forest management credits. Strongest third-party verification in the lineup.

Farmland LP — current fund est.

15%
StructureClosed-end PE
Target net8–11%
Term~10 yr
EligibilityAccredited
Est. fees~1.75% + carry
Est. minimum$50–100k

Verified impact: acres converted to certified organic (certification records); soil organic matter change on sampled fields.

Apis & Heritage Legacy Fund II est.

15%
StructureBuyout PE
Target net~10–12%
Term~10 yr
EligibilityAccredited / QP
Est. fees2% + carry
Est. minimum$250k

Verified impact: employee-owners created through ESOP conversions of businesses with largely Black and brown workforces; projected retirement wealth per worker at exit. The single best story in the portfolio.

Iroquois Valley Farmland REIT — equity high

15%
StructureEvergreen REIT
Target net4–7% total
Term5 yr+ intended
EligibilityNon-accredited OK
Est. fees~2% embedded
Est. minimum~$10k

Verified impact: organic and transitioning acres held; years of secure land tenure provided to organic family farmers. Accessible entry point for smaller allocations.

Sunwealth — solar portfolio equity est.

15%
StructureProject portfolio
Target net~7–8% IRR
Term7–10 yr
EligibilityAccredited
Est. feesEmbedded
Est. minimum~$50k

Verified impact: kWh generated (metered); tons CO2e avoided; dollars of energy savings delivered to community organizations and LMI households.

Dirt Capital Partners est.

10%
StructureFarmland partnerships
Target net~6–8%
Term8–10 yr
EligibilityAccredited
Est. fees~1.5% + carry
Est. minimum$100k

Verified impact: farm ownership transitions completed — land moved into the hands of the farmers working it, Northeast focus.

Trailhead Capital — regen ag & food VC verify

10%
StructureVenture fund
TargetVenture-style, wide dispersion
Term~10 yr
EligibilityAccredited / QP
Est. fees2/20
Est. minimum$100k+

Verified impact: acres influenced by portfolio-company technology and supply chains. The risk engine of the portfolio — sized accordingly.

Analyst view: the blend leans on real assets (55% farmland, forest, solar) for return durability, with employee ownership and venture as the impact-depth and upside positions. J-curve applies: expect years 1–3 to run below target as PE funds deploy. That's a client conversation to have at commitment, not at the first review.

Portfolio two

Regenerative debt portfolio

4.5–5.5%Blended target, net
~4 yrAvg. duration
LadderedRolling maturities
7Vehicles
BroadMostly non-accredited

Calvert Impact — Community Investment Notes, laddered high

20%
StructureNotes, 1/3/5 yr ladder
Est. rate~4–5% on longer rungs
LiquidityAt each maturity
EligibilityNon-accredited OK
MinimumNominal
Track record25+ yr, ~100% repayment

Verified impact: best-in-class annual impact report — affordable housing units, small businesses financed, climate lending — allocated pro-rata to note holders. The ladder is the portfolio's reinvestment engine.

Mad Capital — Perennial Fund II est.

20%
StructurePrivate credit
Target net7–9%
Term5–7 yr
EligibilityAccredited
Est. fees~1.5%
Est. minimum$100k

Verified impact: acres financed through organic transition; farmer debt structured to the transition curve. The yield anchor of the strategy.

Iroquois Valley — Rooted in Regeneration notes est.

15%
StructureTerm notes
Est. rate~3.5–4.5%
Term5 yr
EligibilityNon-accredited OK
Est. minimum$25k
NoteVerify acreage claim on call

Verified impact: mortgage capital to organic farmers, including discounted rates to BIPOC farmers — pairs with the REIT equity for a full farm-finance story.

Sunwealth — solar notes est.

15%
StructureAmortizing notes
Est. rate5–7%
Term5–10 yr
EligibilityAccredited
Est. minimum$50k
Cash flowQuarterly

Verified impact: metered generation and avoided emissions; quarterly income the client can see arrive.

CNote — Flagship Fund est.

10%
StructureCDFI note pool
Est. rate~3–4%
Term30 mo, rolling
EligibilityNon-accredited OK
MinimumLow
LiquidityAt maturity windows

Verified impact: small-business loans to women- and BIPOC-owned firms via CDFI partners, reported quarterly.

Self-Help CU — term certificates high

10%
StructureInsured CDs
RateMarket CD rates
Term3 mo – 5 yr
EligibilityAnyone
ProtectionNCUA-insured
RoleCash rung

Verified impact: deposits fund community development lending — home loans to first-time and minority borrowers. The principal-protected floor of the strategy.

Shared Capital Cooperative — notes est.

10%
StructureLoan-fund notes
Est. rate~3–5%
Term~5 yr
EligibilityBroad
MinimumLow
HistoryLending since 1978

Verified impact: cooperative businesses financed — worker co-ops, grocery co-ops, housing co-ops — with a 45-year operating history behind the underwriting.

Analyst view: the ladder does double duty — Calvert, CNote, and Self-Help maturities roll every 12–30 months, giving the client visible cash-back optionality inside an otherwise committed allocation, and giving you a standing re-up conversation at every review. Blended yield sits near investment-grade credit with dramatically more reportable impact per dollar.

Internal working document. Prepared for portfolio construction discussion only. All return targets, rates, fees, minimums, terms, and eligibility requirements are analyst estimates based on historical information and must be verified directly with each sponsor before any use with clients. Renew Wealth Management is not currently registered as an investment adviser; nothing herein is an offer, solicitation, or recommendation of any security. Private investments involve substantial risk including illiquidity and possible loss of principal. Vehicles listed are candidates under evaluation; no determination of suitability has been made for any person.