Threshold group impact investing market

Some Applying this data to 2. Cellulant, a regional African provider of a mobile payments platform used by banks, major retailers, telecommunications companies, and governments, is a good example. Cellulant worked with the Nigerian Ministry of Agriculture to redesign a corruption-plagued program that provided seed and fertilizer subsidies.

The company developed a cell phone app that allows farmers to pick up their subsidized goods directly from local merchants, reducing the opportunity for graft. Our task was to understand the economic impact on farmers when they received the subsidized seed and fertilizer. To choose an anchor study we look at several key features. First, its rigor: Does the study systematically evaluate previous research results to derive conclusions about that body of research?

Alternatively, does it present findings from a randomized controlled trial—which compares groups with and without a designated intervention? Both types of research are preferable to observational or case studies. Just as important is relevance: Does the study include people living in similar contexts urban, say, or rural and in the same income bracket? The closer the match, the better. Recent studies are better than older ones.

And studies frequently cited in the research literature deserve extra consideration. When uncertainty or a lack of reliable research stalls your work, seek guidance from an expert in the field. For example, we sought advice from the Center for Financial Services Innovation, in Chicago, when we could not locate appropriate studies demonstrating the impact of helping people establish a regular savings habit—one of three impact pathways we were examining for Acorns, a fintech company for low- and middle-income individuals.

That call led us to research showing that even modest savings among the target group can reduce the use of high-cost payday loans. To translate the outcomes of AlcoholEdu into dollar terms, we turned to the U. In the case of Haven we found that researchers at the National Institutes of Health have done quite a bit of work on the economic impact of sexual assault.

Wrestling with Moral Issues At times, monetizing social or environmental benefits and costs raises complex questions. For instance: Does an extra dollar of income have greater impact on someone in an emerging market versus someone in a developed market?

When increased income is the target outcome, should we count that impact no matter how much the family was earning before, or only when it earned below a certain threshold? When saving lives is the desired outcome, can we put a dollar value on each person who benefits? To address such questions, Rise, an impact-investing fund, relies on research to ground decisions in evidence and provide an analytical basis for decision making.

For instance, for some IMMs Rise has created a global weighted average value of a life saved rather than using a country-specific metric, to avoid the unintended consequence of tipping investments in favor of developed countries. For other IMM calculations Rise has looked at how impoverished people actually spend incremental dollars in contrast with those in a higher income bracket.

Such difficult issues merit ongoing attention from the investment and research communities. Assuming that 1. Adjust for Risks Although we have proved to our satisfaction that social science research can be used to monetize social and environmental benefits, we recognize the risk in applying findings from research that is not directly linked to a given investment opportunity. Therefore we adjust the social values derived from applying the anchor study to reflect the quality and relevance of the research.

We assign values to six risk categories and total them to arrive at an impact-probability score on a point scale. Two of the index components relate to the quality of the anchor study and how directly it is linked to the product or service. Together these account for 60 of the possible points. Anchor studies based on a meta-analysis or a randomized controlled trial merit top scores, whereas observational studies rate lower.

Establishing the linkage between an anchor study and the desired outcome of a product or service sometimes requires making assumptions, and with more assumptions comes greater risk. But AlcoholEdu and Haven relied on studies with less clear linkages.

AlcoholEdu assumes that its training leads to fewer negative alcohol incidents, resulting in lower rates of alcohol-related death. The anchor study for Haven assumes that sexual-assault-prevention training leads to fewer assaults, and thus to fewer of the consequences of those assaults. For instance, are they both urban, or is one rural? For example, is the product or service delivered to the same age group in both? Consider that gym memberships have a high drop-off rate.

Constructing the index proved challenging. We refined the risk categories and the values assigned to each many times on the basis of feedback from experts in evaluation and measurement. For example, one version emphasized the importance of comparing study results according to geography—say, country or continent. But experts advised that a more accurate comparison would juxtapose studies of similar income groups, regardless of country or living circumstances urban versus rural.

We expect to make refinements as others bring new ideas to the table. It is, however, a new concept in social investment, where attention usually focuses on quantifying present or historical impact. To be sure, for many projects dispensing chlorination tablets, for example the social impact safer water does not long outlive the program. In some cases, therefore, it makes sense to estimate a terminal value. Businesses can simply take the estimated value of a social or environmental benefit and divide it by the total investment.

The IMM expresses this as 8X. A: I started as a vice president, and my job was to help build, hire, and conceive of the investment offering. I by and large oversaw the selection and hiring process around the investment team as it was built out, as well as the construction of the process in those early days. Who are your clients? The predominant number of clients are families, but more and more we have endowments and foundations that utilize our investment services.

A: The number-one reason is our impact investing platform. A firm like ours can come in and take them through the entire process of education about the various public and private market opportunities within the space. Obviously we have spent a long time curating a list of superb managers across the spectrum of the portfolio.

We also have a diagnostic tool, which you can take individually or as a family, or in this case as a foundation board, to really define and crystallize what the priority of the foundation is: the environment, gender-lens investing, you know, across the whole spectrum. And then we help them translate that into an impact portfolio.

Q: Talk about the impact reporting service that goes along with that. What was the use of proceeds in those various investments they made? Where did that money go? What did it do either within the communities, or, you know, in terms of planting new trees? And you go down the line of various elements that people want to invest in and the outcome. The impact reporting is a huge value to the compilation of the annual reviews.

Q: Your depth in impact investing owes to your acquisition of Seattle-based Threshold Group. Talk about that deal. A: One of the many appeals of the Threshold team joining us was the fact that they had plus years of investing within impact, something that would be impossible to recreate. A: The firms operate entirely separately, with separate RIAs and management teams, and do not share any business relationship or clients.

That was established at inception and has remained to avoid the conflict that we felt was rampant in the system 20 years ago. They do share mutual respect for one another, but nothing past that. Q: Why and when did you open an office in Zurich? A: We formed Tiedemann Constantia in September to better serve our clients with complex cross-border needs. Zurich stood out as a natural location as it has the advantage of being well regulated and offers a more central location for prospective clients throughout Europe and the Middle East, which is a growing market and important opportunity for the firm.

At the same time, we wanted to capitalize on transparency issues in Switzerland, changes in the openness of families to work with private firms of scale, and the ability to offer international clients trust services through Tiedemann Trust Co.

A: Family dynamics. All families are going to be different: They all have different backgrounds, different political views, and different things that they prioritize. So the dynamics around how you educate your children, the dynamics about how you structure the assets, how you give to them or their children, when and how you talk to the kids about it. These are really important things that people generally wanted to talk less about 15 years ago.

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We also seek to drive ongoing education of investment fund managers, so their offerings to the market can be understood, assessed appropriately and, ultimately, can attract more institutional capital. About Threshold Group Threshold Group is a family-owned wealth management firm, dedicated exclusively to serving families, individuals and family foundations.

It currently serves clients in more than 25 states. The company provides integrated investment guidance, financial planning, legacy planning and family office services — all aimed at helping clients achieve their missions and priorities. Offices are in Seattle, Gig Harbor, Wash.