Sonya Dreizler, the founder of Solutions With Sonya, helps financial services firms to drive successful rollout and adoption of Impact Investing, SRI, & ESG solutions. Sonya is a former financial services CEO with 15 years of industry experience and a subject matter expert in the rapidly growing field of Impact Investing. She speaks frequently on the topic and authors Connected Investing, a popular weekly educational newsletter covering the latest developments in Impact and ESG investing, as well as terminology, interviews, and business tips. Sonya is a CERTIFIED FINANCIAL PLANNER™ and previously held the Series 7, 66, 24, and 28 securities licenses. She is a recipient of the Investment News 40 Under 40 award, is a 2018 LinkedIn Top Voices Recipient, and has published articles and been quoted in numerous trade publications. She serves on the advisory board for the Investment News Women Adviser Summit, and informally advises a number of other financial services conferences and communities.
INCOME + IMPACT: INVESTING IN VOLATILE TIMES
Sonya Dreizler, the founder of Solutions With Sonya, helps financial services firms to drive successful rollout and adoption of Impact Investing, SRI, & ESG solutions. Sonya is a former financial services CEO with 15 years of industry experience and a subject matter expert in the rapidly growing field of Impact Investing. She speaks frequently on the topic and authors Connected Investing, a popular weekly educational newsletter covering the latest developments in Impact and ESG investing, as well as terminology, interviews, and business tips.
Sonya is a CERTIFIED FINANCIAL PLANNER™ and previously held the Series 7, 66, 24, and 28 securities licenses. She is a recipient of the Investment News 40 Under 40 award, is a 2018 LinkedIn Top Voices Recipient, and has published articles and been quoted in numerous trade publications. She serves on the advisory board for the Investment News Women Adviser Summit and informally advises a number of other financial services conferences and communities.
HIP Investor Ratings + Portfolios
- HIP Investor: since December 6, 2006; now 13th year
- 124,000+ HIP Ratings (7000+ corporates; 114,000 munis)
- 5 HIP Strategies with track records of 5 to 9 years
- 5 HIP Fossil-Fuel-Free Portfolios, including 401(k)s
- Clients: 401(k)s, families, foundations, advisors, fund managers, hedge funds, college endowments
- The HIP Investor textbook/ebook/audiobook in 27 universities, MBA, and MPA programs
- Newsweek Green Rankings, 2015, 2016, 2017
- The Peter Drucker Index (2017, 2018, Wall Street Journal)
- HIP Investor covered in NYTimes (2018, 2017, 2014, 2011), Fast Company magazine (2006-2019), and more
R. Paul Herman
CEO, HIP Investor
Ratings + Portfolios -and-
Sustainable Finance
Professor, Presidio Graduate School
IMPACT ESG INVESTING GROWING FAST
$12 Trillion In Total Assets
Sustainable and Responsible Investing in the United States
1995–2018
ESG Incorporation Overlapping Strategies Shareholder Advocacy
Total Assets (in Billions)
SOURCE: US SIF Foundation.
IMPACTFUL INVESTING
HIGHER IMPACT
Add value to their communities
LOWER RISK
Are efficiently and sustainably managed
STRONGER RETURN
Maximize impact with available resources
SRI, ESG and Impact Apply Across All Asset Classes
Higher Impact Choices for Your Portfolio
- Cash
- Fixed income
- Income Generating Appreciation
- Equities
- Global, Int’l, Emerging
- Venture Capital, Private Equity
- Alternatives
- Eco-focused banks
- Economic empowerment credit unions
- Social Impact Bonds
- Muni Bonds
- Microfinance
- Mezzanine Debt Funds
- REITs
- Preferred equities (dividends)
- Impact-weighted strategies
- Global portfolios
- Sustainability funds
- Education and Human Capital funds
- Sustainable Forestry
- Organic Agriculture
- Renewable Fuels
CNOTE
Unlocking a proven asset class with robust returns and social impact.
WHAT IS CNOTE?
A technology-enabled impact investing platform.
CASH ALTERNATIVE & FIXED-INCOME SOLUTIONS THAT DELIVER MEASURABLE SOCIAL IMPACT WHILE LEVERAGING TECHNOLOGY TO IMPROVE ACCESS AND PERFORMANCE
CURRENT OFFERINGS
FLAGSHIP FUND
2.75%
Quarterly Access
Diversified Fund Targeting Underserved Communities
WISDOM FUND
4.0%
60-Month Term
All Funds Deployed to Women-Owned Businesses Targeting Gender Equality
RACIAL EQUITY FUND
2.75%
30-Month Term
All Funds Deployed to Minority-Owned Businesses Targeting Racial Equality
PROMISE FUND
2.00%
Fully Insured
Flexible Access
Diversified Fund Targeting Underserved Communities
CORE PRODUCT - FLAGSHIP FUND
2.75% APY
QUARTERLY LIQUIDITY
SOCIAL IMPACT
FIXED INCOME: SAMPLE OPTIONS
| FIRM | Return | Liquidity | Impact Theme | Target Geography |
|---|---|---|---|---|
| RSF SOCIAL FINANCE | 1.00-1.25% | Quarterly-Five Year | Sustainable Agriculture and Development; Education; Natural Resources and Conservation; Nonprofit Social Enterprise; Poverty Alleviation; Community Development | US & Canada |
| MICROVEST | Varies | Varies | Microfinance/Low-Income Financial Services | Global (top 5 countries: Mexico, Georgia, Ecuador, India, and Azerbaijan) |
| TRIM RESOURCES | Varies | Varies | Deposits support loans to sustainable businesses, including environmental projects | US (Western) |
WHY INVEST WITH CNOTE?
BETTER RETURNS ON CASH
Core product: 2.75% APY, Quarterly Liquidity.EASY ACCESS TO DIVERSIFIED POOL OF TOP-PERFORMING CDFIS
Streamlined Due Diligence for a Fragmented Industry.OPERATIONAL EASE
Direct On-Platform Access along with Robust API and Integrations for Streamlined Reporting.PRODUCT CUSTOMIZATION
Thematic and Place-based Targeting Options.
MAPPING COMMUNITY INVESTMENT TO SUSTAINABLE CHANGE (1 OF 2)
1 NO POVERTY
CNote increases investment into low and moderate income communities across America.
5 GENDER EQUALITY
CNote capital is invested in female-owned businesses at a rate 7-10x greater than the national average.
MAPPING COMMUNITY INVESTMENT TO SUSTAINABLE CHANGE (2 OF 2)
8 DECENT WORK AND ECONOMIC GROWTH
CNote invests locally to create jobs, spur entrepreneurship and build a more sustainable economy.
10 REDUCED INEQUALITIES
CNote's core mission is to close the wealth gap in America. We do this by deploying capital to financially-undeserved communities.
SRI, ESG and Impact Apply Across All Asset Classes
Higher Impact Choices for Your Portfolio
- Cash
- Fixed income
- Income Generating Appreciation
- Equities
- Global, Int’l, Emerging
- Venture Capital, Private Equity
- Alternatives
- Eco-focused banks
- Economic empowerment credit unions
- Social Impact Bonds
- Muni Bonds
- Microfinance
- Mezzanine Debt Funds
8 Human + Social SDGs Emphasize Education (K12, Colleges) And Governments (Cities, Counties, States)
| 1. No Poverty | 2. Zero Hunger | 3. Good Health and Well Being | 4. Quality Education | 5. Gender Equality | 8. Decent Work and Economic Growth | 10. Reduced Inequalities | 16. Peace, Justice, and Strong Institutions | |
|---|---|---|---|---|---|---|---|---|
| Agencies: Agencies | 8% | NA | 8% | NA | 25% | 33% | 42% | 21% |
| Education: Community Colleges | 4% | 4% | NA | 61% | 7% | 29% | 32% | 4% |
| Education: K-12 School Districts | 13% | 13% | 6% | 94% | NA | 38% | 81% | 6% |
| Education: Universities | 2% | 2% | 2% | 60% | 5% | 31% | 26% | 2% |
| Government: Cities | 38% | 7% | 19% | 7% | 14% | 40% | 55% | 21% |
| Government: Counties | 40% | 10% | 21% | 7% | 14% | 40% | 57% | 21% |
| Government: States | 38% | 7% | 19% | 7% | 14% | 40% | 55% | 21% |
| Healthcare: Hospitals | 5% | NA | 35% | NA | NA | NA | 20% | NA |
| Housing: Housing Agencies | 21% | NA | 3% | NA | NA | 9% | 35% | 9% |
| Sovereigns: Sovereign Countries | 17% | 2% | 40% | 2% | 10% | 33% | 35% | 21% |
| Transportation: Road Authorities | 6% | NA | 24% | NA | NA | 18% | 6% | 9% |
| Transportation: Seaports | 38% | 7% | 19% | 7% | 14% | 40% | 55% | 21% |
| Utilities: Electric Utilities | NA | NA | 21% | NA | NA | 21% | NA | 4% |
| Water: Sewer | NA | NA | 36% | NA | 21% | 7% | 21% | 7% |
| Water: Water | NA | NA | 40% | NA | NA | NA | NA | 15% |
Contact
Solutions with Sonya
SOLUTIONSWITHSONYA.COM
@SonyaDreizler
sonya@solutionswithsonya.com
HIP Investor
HIPINVESTOR.COM
@HIPinvestor
R. Paul Herman, CEO
Paul@HIPinvestor.com
Appendix
Impact-Rated Bonds Support 9 Missions (Part 1 of 3)
| Sector | Mission | Investees |
|---|---|---|
| Affordable Housing | Create & support low-income access with housing(single-family;multi-family) | 49 State Housing Agencies (Kansas does not have a separate agency) |
| Education | Enhance learning environments & outcomes for students, teachers & schools | K-12 school districts, and charter schools (e.g.KIPP) Community Colleges Universities: Campus Universities: State-wide |
| Energy & Power | Produce and deliver cleaner, environmentally-efficient power, including renewables | Energy public utilities districts, including citizen-owned co-operatives operated by governments |
Impact-Rated Bonds Support 9 Missions (Part 2 of 3)
| Sector | Mission | Investees |
|---|---|---|
| Health Care & Hospitals | Deliver proactive wellness, and respond to disease and illnesses | Single site hospitals Multi-site health systems Wellness centers |
| Human Development Financing | Fund loans to spur home ownership and educational degrees nationally; and human development worldwide | Mortgage loan agencies (FreddieMac; FannieMae) Student loan agency (Sallie Mae) World Bank & I.F.C. |
| Sustainable Local Governments | Enable more positive places to live and work, delivering services, infrastructure, and a just, civil society | City & town governments County governments State governments |
Impact-Rated Bonds Support 9 Missions (Part 3 of 3)
| Sector | Mission | Investees |
|---|---|---|
| Sustainable Federal Governments | Enable more positive country to live and work, delivering services, infrastructure, and a just, civil society | US Treasuries Inflation Protected Bonds Sovereign bonds |
| Transportation | Support long-term infrastructure for safe, efficient transport of passengers & cargo | Airports Seaports Highway & road systems |
| Water & Wastewater | Deliver clean water, and treat used water, for citizens, commerce, and agriculture | Water utilities Wastewater utilities Conduit water providers |