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Tom Meaglia, ChFC®, AEP®,
CLU®, CRPC®, MSFS
Chartered Financial Consultant
Investment Advisor Representative
Chartered Retirement Planning Counselor
CA Insurance Lic. #0567507
Meaglia Financial Consulting
2105 Foothill Blvd., #B140, La Verne, CA 91750
Toll Free: 800-386-3700
Bus: 909-593-6105
Cell: 818-681-8600
Fax: 909-593-6120
Email: tom@meagliafinancialconsulting.com
Website: www.meagliafinancialconsulting.com
May/June 2022
ESG Investing: Making a Difference
Environmental, social and governance (ESG) investing is a strategy that considers a company’s policies and actions and how well they serve workers, communities, customers, shareholders, and the environment.
ESG investing uses independent ratings to help investors assess a company’s commitment to environmental performance, social impact, and governance issues. Employing an ESG strategy helps investors compare investment vehicles to ensure their portfolio reflects their priorities.
Rating agencies use the criteria below to evaluate companies for ESG investing.
The Environment
A company’s impact on the environment is one of the criteria used to choose companies for ESG investing. It includes natural resource conservation, treatment of animals, use of renewable energy, waste and pollution and steps taken to mitigate those risks. Mitigation practices may encompass water usage, use of toxic chemicals in manufacturing processes, resource management and overall environmental stewardship, carbon footprint and any employee incentives that reduce the carbon footprint, such as car sharing and bicycle commuting.Social Impact
Criteria include steps taken by a company to improve its social impact, both within the company and in the community. The company’s hiring practices, commitment to racial and gender diversity, corporate giving strategy, employee health and safety, accessibility to employee benefits, volunteer programs, and supply-chain ethics are factors used in ESG ratings.
Governance
ESG ratings consider whether a company’s management and board strive for positive change. Areas of concern include executive pay, leadership diversity, business ethics, conflicts of interest, political activity, shareholder input, accurate and transparent accounting methods, and a well-run management structure.How to Invest
Your financial professional can guide you in finding ESG-centered exchanged traded funds (ETFs)* and mutual funds* that meet your investing goals. Expenses may be higher than with other funds, so look for ESG funds whose performance compensates for the higher costs.*Investors should consider the investment objectives, risks, charges, and expenses of the fund carefully before investing. Contact the issuing firm to obtain a prospectus, which should be read carefully before investing or sending money. Because mutual fund values fluctuate, redeemed shares may be worth more or less than their original value. Past performance won’t guarantee future results. An investment in mutual funds may result in the loss of principal.
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Thomas Meaglia is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
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