Ethical financial advisers – Independent & FCA Regulated
Helping you achieve your financial objectives while having a positive impact on the planet.
We provide independent financial advice driven by a strong desire to help conscientious investors like you, create a more sustainable world by aligning your savings and investments with your ethical beliefs.
Access a select range of highly regarded ethical funds and portfolios for your Pension, ISA, Investment Account, Trust or Bond that avoid investing in weapons, gambling, tobacco and fossil fuels (to name a few) and only invest in well run businesses that support the United Nations Sustainable Development Goals.
Choose ethical investments that use a variety of approaches, including ESG screening that will include established businesses transitioning to a more sustainable future, or pure ‘Impact’ investing that only selects businesses solving the many problems facing our world.
For a better understanding of your current position we also offer a free review of any existing investments including a comprehensive risk report.
Start your ethical investing journey.
Talk to us to learn about your options and tell us your goals
Receive a personal ethical recommendation
Switch to ethical investments and start making a difference
Investment options have been carefully selected based on ethical credentials and include:
Ethical Funds – from respected fund managers with a track record of positive engagement and solid performance
Ethical Model Portfolios – ‘off the shelf’ portfolios containing a range of ethical funds. (ESG, SRI & Impact portfolios are available to suit a variety of ethical preferences).
Bespoke Portfolios – for high net worth investors. A portfolio constructed just for you. (Semi-bespoke portfolios over £200k, fully bespoke over £500k).
We offer a complete advice service to help you access suitable investments with ongoing monitoring and reviews for the life of the investment.
How it Works
We provide fully regulated, independent, ethical financial advice.
The process is much the same as you would expect from any good financial adviser except, we use our experience and knowledge of ethical investing to help conscientious investors like you, invest in-line with your beliefs.
We talk with you (in person or remotely) and discuss what you would like to achieve, what areas of your financial plan need consideration, your investment preferences, your knowledge of financial products and your understanding of the risks involved.
We balance what you want to achieve with your current lifestyle and budget and develop a tailored recommendation.
What makes us different from other financial advisers is our determination to help you align your investments with your ethical beliefs.
The more people we can help to reduce the negative impact of their investments, the happier we will be.
For many clients there’s no need to pick individual stock or shares to create a portfolio. Instead, we turn to respected and experienced fund managers who run a wide range of pre-created, ethical funds and ‘model portfolios’.
Having established your preferred ethical investing strategy and selected a suitable fund or portfolio, your investment can be placed in the appropriate ‘wrapper’ be it a Pension, ISA, General Investment Account, Investment Bond or Trust Account.
Please call and speak to one of our ethical financial advisers on: 023 8000 3456 and we can explain the process in greater detail.
“Ethical Investing is the economic expression of your thoughts and values.”
What is Ethical Investing?
Ethical investing is a broad term used to describe a number of different approaches to investing which seek to reduce the negative impact that industry has on our planet and the people living on it.
It’s not just about the environment (although that is a big part of it) it’s also about people and the community.
Corporate Governance (how a company is run) plays an important part in deciding if a company meets the right criteria for investment. Companies with ‘bad’ corporate governance run the risk of falling foul of scandal, bad publicity and negative investor sentiment.
By choosing only to invest in companies with good corporate governance, ethical investing is a way for investors with a conscience to have a positive impact on the way companies are run, how they treat employees, their standing in the wider community as well as their consideration to environmental factors.
At its core ‘Ethical Investing’ is a range of investment styles which go beyond simple financial returns to incorporate ethical, social and responsible values.
The 3 most well known ethical investment styles are:
1/ SRI – Socially Responsible Investing. A more traditional method that excludes unwanted sectors such as fossil fuels, weapons etc.
2/ ESG – Environmental, Social, Governance. A growing, more modern method for screening companies based on their environmental impact, treatment of staff and transparency of management. ESG has become more popular with the ability to gather and share detailed information about a companies use of resources, waste management, HR practices and quality of the management process.
3/ Impact Investing – choosing only to invest in companies working to solve the problems faced by humanity and the planet eg. sustainable farming, healthcare, renewable energy.
In the past, your investments could have been used to fund companies making weapons, exploiting workers and damaging the environment and it would have been difficult to invest in a way aligned with your beliefs.
Ethical funds were hard to find, difficult to access and had high charges.
Now, ethical investing options are more widely available, easy to access with very competitive management charges.
Ethical portfolios have demonstrated the ability to perform as well as non-ethical equivalents and competitive charges make them an obvious choice for smart, conscientious investors.
There is no need to compromise on cost or performance while helping create a cleaner, more sustainable world. Something you can feel proud to be part of.
We help you access a wide range of ethical funds and portfolios to find a solution that meets your ethical preferences and investment expectations.
Funds and portfolios are carefully selected for quality and performance and a completely bespoke portfolio service is available for larger investments.
Your Ethical Investing Choices
Hold your investments on award winning platforms with access to a wide range of ethical funds and portfolios to choose from. Consolidate a range of wrappers (Pension, ISAs, GIA etc.) in one place with your own login details to monitor the performance of all your investments. Choose the same or different ethical strategies and funds for different outcomes.
Most life insurance companies offer their own ethical funds. Many have been running for a number of years with proven track records and a solid history of maintaining core ethical principles. Some can be accessed directly through the life insurance company while others are accessed via a ‘platform’.
Discretionary Fund Managers create and manage ‘off-the-shelf’ funds and portfolios that can be added to your choice of wrapper and for larger investments of typically £200,000 or more, it is possible to sit down with your fund manger and have a completely bespoke portfolio created, just for you.
We will be able to identify the most appropriate ethical option for you following a detailed review of your circumstances.
Rest assured, we are regulated by the FCA
Ethical Money is listed on the FCA register under number 607976 and is an Appointed Representative of New Leaf Distribution Ltd who are also authorised and regulated by the Financial Conduct Authority Number 460421. Registered office 1st Floor Princess Caroline House, 1 High Street, Southend on Sea, Essex, SS1 1JE
In all areas of our business we aim to operate according to the FCA’s 11 principles for business which are: Integrity, Skill care & Diligence, Management & control, Financial prudence, Market conduct, Customers’ interests, Communication with clients, Conflicts of interest, Relationships of trust, Client’s assets & Relations with regulators.
We are regulated to provide independent financial advice which means if, following a detailed review of your circumstances, an ethical option is not the right one, we can still recommend a suitable solution.