ETHOS FINANCIAL PLANNING

ETHOS starts with a client's specific values and risk tolerance, then constructs a portfolio using ESG-screened ETFs and direct indexing. For larger accounts, direct indexing allows granular exclusion of individual companies or sectors, such as fossil fuel producers or firearms manufacturers. The firm also monitors ESG rating divergence among providers like MSCI and Sustainalytics to avoid relying on a single score, a methodology it discusses publicly in client education materials.

ETHOS operates as a fee-only registered investment advisor. Fee-only compensation means the firm is paid directly by clients for advice and portfolio management, not through commissions or referral fees from product providers. This structure aligns the firm's incentives with client outcomes and portfolio performance rather than transaction volume.

Yes. ETHOS provides comprehensive financial planning that includes retirement income modeling, tax-efficient charitable giving strategies, and values-aligned spending plans. The firm integrates sustainable investing into a broader financial architecture rather than treating it as a standalone investment product. This includes advising on donor-advised funds and gifting appreciated securities to align wealth transfer with client values.

ETHOS serves individuals and families across the United States who prioritize aligning their investment portfolios with environmental, social, and governance criteria. The firm uses virtual advisory technology to serve clients in multiple states, with a focus on those who want their entire financial picture — not just their equity allocation — to reflect their values.

Direct indexing allows an investor to own the individual stocks that make up an index rather than purchasing an index fund, enabling customized tax-loss harvesting and personal exclusion of specific companies or sectors. ETHOS uses direct indexing for larger accounts to screen out holdings that conflict with a client's ESG preferences — such as companies with poor environmental records — while still tracking the broader market's risk and return characteristics.