Environmental Social Governance (ESG) & Environmental, Social and Religious Governance Investing Portfolios (ESRG)

In the belief that investments can have a direct impact on our Society, EB Financial Planning makes available two options. Choose from either (ESG) Environmental Social Governance or (ESRG) Environmental, Social and Religious Governance Investing Portfolios. EB Financial Planning will employ its best efforts to assure that these portfolios are constructed from securities that endeavor to promote: the creation of jobs, products that are useful to society, beneficial scientific research, and the overall relief of human misery.

Additional Risks Associated with the ESG and ESRG Investing Portfolios:

In addition to the general investment risks outline in our ADV II & Schedule H Brochure, there may be additional inherited risks pertaining to ESG & ESRG Investing Portfolios such as:

*Portfolios may be more susceptible to under performance during times of war, high oil prices and high commodity prices (due to the possible omission of such companies).

* Portfolios returns may suffer due to the inherent lack of investment choices. This may result in higher valuations due to an “overcrowded" trade. This may also create greater downside volatility should holders of such possibly “overcrowded” positions attempt to sell at this same time. Therefore, criteria for security selection may tilt more towards a growth approach rather than value.