Krull & Company is a financial services firm specializing in Socially & Environmentally Responsible Investing.  We help you align your investments with your values.

As a responsible individual, business or institution, you do everything you can to live and work according to your values.  It's important to you.

So, when it comes time to make your investment decisions, shouldn't you employ those values as well?  At Krull & Company, we believe in the importance of aligning your investments with your values.  We take the time to listen to your concerns and issues and integrate them into your portfolio.  You shouldn't have to own polluters or unethical companies.

Whether it is your retirement plan, brokerage account or endowment, we can help.  You do have a choice and you can make a difference.

__________________________________________________________________________

At Krull & Company, we take a systematic, disciplined approach to your investment plan.  By first determining your goals and risk tolerance, we are able to create an asset allocation custom-designed just for you.  We believe that the basis for socially responsible portfolio should be well-founded financial planning principles first and foremost.

Once your allocation is determined, we prepare your investment recommendations from a menu of socially and environmentally responsible money managers.  These managers base their investment decisions on a number of factors, from the financials of each company, to their social and environmental records.  Managers are periodically reviewed based on performance, style purity and socially responsible processes.

Socially responsible investing incorporates three strategies: Portfolio Screening, Shareholder Advocacy, and Community Investing

The portfolio screening process is performed based on a number of factors including: 

            - Corporate governance & business ethics
            - Environmental track records and sustainability
            - Workplace issues, such as race and gender discrimination or wages
            - Safety of products manufactured
            - International human rights
            - Community involvement

By defining these factors, we begin negative screening.  Negative screening removes offending companies.  For example, screening based on business ethics would avoid investing in companies that are regularly fined for their actions (or inactions.)  In terms of human rights, corporations who violate child labor laws would be screened out.

Conversely, positive screens are run as well.  Positive screens look for the best in class companies.  For instance, many companies are highly proactive in reducing their greenhouse gas emissions, and the emissions of their products.  Other companies are very involved in their communities and make a huge impact.

As important as screening is, it still is only a portion of the process.  The majority of stock holdings do not fall into the best in class category.  We believe that the most important aspect of socially responsible investing is shareholder advocacy and activism.  Our money managers, along with major institutional investors file shareholder resolutions on a number of topics, from executive compensation to global warming liability.  Getting these "middle of the road" companies to change is key.  We have seen many examples of companies changing their policies to be more social or environmentally friendly because of shareholder pressure.

The final leg in the SRI process is community investing.  At Krull & Company, we use money managers that dedicate at least one percent and many times as much as five percent of assets toward community investing projects.  These projects are both domestic and international in scope and focus on microfinance, affordable housing and job retraining. 

You can be assured that your monies will be invested in a manner that is aligned with your values.  That your money will be working for positive change, both domestically and abroad.  And finally, that you will have a portfolio based on sound financial principles, balancing risk versus return, in a manner consistent with your needs and goals.