Status as a fiduciary is the gold standard in wealth management and means the advisor is legally obligated to act in your best interests at all times. As a fiduciary, we will never try to sell you an expensive insurance policy or annuity to generate a commission. Most so called "financial advisors" are registered brokers or insurance agents and may not always put your interests first.

A fiduciary financial advisor is legally and ethically required to put your best interests first—always. At Impact Fiduciary, this means we provide objective financial planning, investment management, and long-term strategy built around your goals, not commissions or product sales. We help you make informed decisions on retirement, taxes, stock options, inheritance planning, and overall wealth management with full transparency.

Only advisors who consistently uphold a fiduciary standard are required to avoid conflicts of interest and act solely in your best interest. To verify, ask:

• Are you a fiduciary at all times?

• Are you fee-only or do you receive commissions?

• Do you follow the CFP® code of ethics?
  Impact Fiduciary is a 100% fiduciary, fee-only firm, meaning we never sell products and never earn commissions—our only compensation comes directly from our clients.

A fiduciary provides guidance that is:

• Conflict-free

• Transparent

• Legally required to act in your best interest
  Traditional advisors may sell commission-based products or operate under a lower suitability standard. Working with a fiduciary helps ensure your financial plan is designed for your long-term success, not someone else’s sales goals.

Most people think all financial planners are “certified,” but this isn’t true. Anyone can use the title “financial planner.” Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification trademarks which represent a high level of competency, ethics and professionalism. And because they are held to a fiduciary standard of care when providing financial planning services, a CFP® professional is required to act in your best interest. Source of Information: CFP Board. Meet our team.

We partner with individuals and families who have $400k in investable assets. This can include cash, IRAs, old 401(k)s, securities and brokerage accounts This ensures we can deliver the level of personalized planning, investment management, and sustainable wealth strategies our clients value most.

Impact Fiduciary utilizes a passive strategy designed to maximize diversification, and keep costs low while avoiding ethically challenged companies. As an investor the most important decision you can make is your asset allocation. Over 90% of investment returns are driven by the asset classes you own. Asset classes include domestic stocks, international stocks, bonds and alternatives. It is critical to have an asset allocation that aligns with your specific goals and risk tolerance. We do not believe that it makes sense to try and time the market or chase short term trends. Learn more about our Comprehensive Financial Planning services.

Impact Fiduciary will utilize a customized basket of stocks, Exchange Traded Funds (ETFs) and mutual funds so we can better control risk and diversification while focusing on Socially Responsible Investments. This innovative investment approach is designed to keep up or outpace the indexes while minimizing risk and enhancing diversification.

The S&P 500 is a market cap weighted index that only invests in the 500 largest publicly traded companies domiciled in the US. Because of the way it is constructed you will own a disproportionate amount of the largest companies and sectors while ignoring smaller companies that may have more upside potential. Furthermore there have been decades where the S&P 500 has flatlined or underperformed other areas of the market. Even worse you will be inadvertently investing a large percentage of your portfolio in ethically challenged companies and industries such as fossil fuel companies and gun manufacturers. This money could otherwise be invested sustainably.

They are a lot of different names that essentially mean the same thing. Impact Fiduciary does not invest in any companies related to Fossil Fuel, Big Tobacco, Factory Farms, Private Prisons, Weapon Manufacturing and pharma companies linked to the opioid crises. This is so that we can invest these dollars into companies that are neutral or have a positive social impact while trying to solve some of humanities biggest challenges. Learn More about Sustainable investing.

No. A growing body of research shows that SRI, ESG and sustainable investing may actually improve performance and lower risk over time.

No.
In many cases, companies with strong ESG practices are more stable, more efficient, and better positioned for future growth.

We use data-driven research, stress testing, and long-term modeling to help ensure your portfolio performs well—through all market cycles. View our Sustainable Investing strategies.

Sustainable investing is ideal for individuals who want to:

• Align their investments with their values

• Avoid companies with harmful environmental or social practices

• Invest in future-focused industries

• Reduce long-term risk

• Build generational wealth responsibly

If you want your money to help build a better world, we can help you do it intelligently and strategically.

A robo advisor may make sense if you don't have a lot of complexity in your life and aren't worried about sustainable investing. Robo advisors do not offer one-on-one comprehensive financial planning. Impact Fiduciary will utilize a custom strategy designed specifically for you, your life vision and goals. We will work together to create a financial plan designed to help you protect and grow your wealth as efficiently as possible. This includes advice around insurance, estate planning, 401ks, education planning, budgeting and saving, debt reduction, company stock plans and stock options.

When you invest sustainably, you’re not just buying stocks—you’re shaping the world you want to live in. Benefits include:

• Supporting environmentally responsible companies

• Avoiding ethically challenged industries

• Investing in innovators working toward a cleaner, safer future

• Potential for stronger long-term resilience

• Better alignment between your money and your values

Fiduciary advisors typically charge a clear, predictable fee—often a percentage of assets under management or a flat planning fee. At Impact Fiduciary, our fee covers comprehensive financial planning, investment management, sustainable investing options, tax-efficient strategies, risk management, and ongoing guidance.
No hidden fees. No commissions. No surprises—just alignment with your long-term goals.

We charge a transparent fee that starts at an annual rate of 1.1% of assets under management. This fee covers both comprehensive financial planning and ongoing wealth management. We do not receive commissions or compensation from third-party financial products, which means our only incentive is to act in your best interest. View our Fee Schedule

Fee-only planning removes incentives to sell products and ensures your goals remain the priority. Benefits include:

• Objective recommendations

• Lower-cost portfolios

• Full transparency

• A long-term strategy free from conflicts
  The result is a plan designed to grow and protect your wealth with clarity and confidence.

We thought it was a catchy name! Impact investing is about focusing on companies that are socially responsible and have a positive impact on the world. The mission of my company is to have a positive impact on everyone that we serve and the world. As a fiduciary we offer you loyalty and will always act in your best interest.

We can work with anyone with an address in the US.

No. We meet clients virtually or at our office in Old Town Pasadena.

Altruist is a modern custodial platform built specifically for independent financial advisors. It combines investment management, account servicing, and performance reporting into one seamless experience. We use Altruist to help streamline your onboarding, lower costs, and deliver a more transparent and user-friendly wealth management experience.

Altruist is a member of SIPC, which protects the securities and cash in each client brokerage account up to $500,000 (including up to $250,000 protection for cash in an account). SIPC protection wards against losses stemming from the financial failure of member brokerage firms. A brochure explaining SIPC coverage is available on the SIPC website (www.sipc.org). In addition they have supplemental coverage from Lloyds of London of up to $40 million per client. Neither the SIPC nor the supplemental insurance protects against losses from the decline in the market value of securities.

Schedule a quick complimentary discovery meeting by clicking the button below! We’ll discuss your goals, financial situation, and what’s most important to you. We’ll then suggest a tailored next step — no pressure, no commitment.
We look forward to meeting you!

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