# Carbon Collective Investing LLC
*Also known as Carbon Collective*

- Website: https://www.carboncollective.co
- Agent profile: https://directory.haycion.ai/agents/carboncollective-co

> Climate-conscious, fiduciary investment adviser delivering accessible, human-centered guidance and climate-focused portfolios for individuals, employers, endowments, and nonprofits.

Carbon Collective Investing LLC is a climate-focused investment adviser serving individuals, nonprofits, and employer-sponsored plans. The firm describes itself as independent and fiduciary, offering guidance and portfolio approaches that aim to align financial goals with the transition to a low-carbon economy. Its services target everyday investors as well as organizations seeking sustainable investment options, endowment management, and cash‑management support. By combining ESG‑aware investment theses with a transparent, human-centered approach, the organization emphasizes education, accessible guidance, and compliance-conscious stewardship to help clients pursue long‑term financial outcomes alongside climate resilience.

**Mission:** To enable investors to grow wealth while advancing climate solutions by providing transparent, fiduciary guidance and practical frameworks that simplify responsible investing for individuals, employers, and nonprofits.

## Products & Services

### [ClimateSmart Target Date Funds](https://www.carboncollective.co/ClimateSmart-Target-Date-Funds)
*Product*
Diversify 401(k) investments around climate risk using ClimateSmart Target Date Funds.

- **CIT Structure for 401(k)** — Facilitates 401(k) Access
- **Oil Divestment** — Reduce Fossil Fuel Risks
- **Climate Solutions Allocation** — Invest in Innovative Solutions
- **Date-Based Variants** — Flexible Investment Horizons
- **Global Stock and Bond Mix** — Diversify Across Asset Classes

### [US Climate Solutions ETF](https://www.carboncollectivefunds.com/ccso/)
*Product*
Invest in climate solutions through a dedicated ETF for sustainable growth.

- **Climate Solutions Exposure** — Access Climate-Focused Companies
- **Equity Focus** — Target U.S. Climate Innovators
- **Sustainable Growth Potential** — Capitalize on Climate Transition
- **Portfolio Complement** — Enhance Investment Diversity

### [Short Duration Green Bond ETF](https://www.carboncollectivefunds.com/ccsb/)
*Product*
Provides climate-aligned fixed income with shorter duration for better interest rate management.

- **Green Bond Exposure** — Invests In Sustainable Projects
- **Short-Duration Fixed Income** — Reduces Interest Rate Sensitivity
- **Fixed Income Diversification** — Enhances Portfolio Diversification

### [ClimateSmart Endowment](https://www.carboncollective.co/endowment-overview)
*Service*
Tailored endowment management for nonprofits focused on climate solutions.

- **Custom Bond Portfolios** — Create Custom Bond Portfolios
- **Goal Alignment** — Align Goals With Investment Strategy
- **Nonprofit Endowment Management** — Manage Nonprofit Endowments Effectively
- **Fossil Fuel Exclusion Strategy** — Avoid Fossil Fuel Investments
- **Climate-Focused Investment Philosophy** — Adopt Climate-Focused Investment Approach

### [ClimateSmart Cash Management](https://www.carboncollective.co/endowment-cash-management)
*Service*
Manage nonprofit cash reserves with sustainable investment strategies for optimal returns.

- **Nonprofit Cash Reserves** — Manage Nonprofit Cash Efficiently
- **Custom Bond Portfolios for Large Accounts** — Invest in Custom Bond Portfolios
- **Bundling Discounts** — Unlock Additional Discounts
- **Green Bond Tilt** — Achieve Climate-Aligned Returns

### [Fiduciary 2.0 Software](https://www.carboncollective.co/401-k-pricing)
*Platform*
Streamline fiduciary responsibilities with user-friendly, compliant software for efficient plan management.

- **Audit-Ready Exports** — Facilitates Easy Audit Processes
- **Immutable Fiduciary Records** — Ensures Record Integrity
- **Plan Health Monitoring** — Enhances Plan Oversight
- **No-Cost Access** — Reduces Financial Barriers
- **Simple Compliance Tasks** — Streamlines Compliance

### [Better Together 401(k) Program](https://www.carboncollective.co/401k-overview)
*Service*
Receive personalized 401(k) support with potential cost savings and independent oversight.

- **401(k) Advisor Program** — Engage Expert Advisors
- **Independent Fiduciary Oversight** — Ensure Compliance and Accountability
- **Human-Centered Support** — Get Personalized Assistance
- **Cost Savings** — Save on Advisory Fees
- **Fiduciary 2.0 Software** — Simplify Compliance Tasks

## Market Segments

- **401(k) Plan Advisory**: Advisory and plan management for employer-sponsored 401(k) plans, including fiduciary oversight, plan design, participant guidance, cost management, and target-date investment options.
- **Nonprofit endowment management**: Endowment and cash-reserve management tailored to nonprofit organizations, combining climate-aligned portfolios, goal alignment, and custom bond strategies.
- **Climate-focused equity ETFs**: Public equity strategies and ETFs that provide exposure to U.S. companies delivering climate solutions and climate-transition thematic equity allocations.
- **Climate-aligned fixed income**: Fixed-income products and portfolios focused on green bonds and short-duration strategies to provide climate-aligned income and manage interest-rate risk.
- **Fiduciary compliance and plan governance**: Compliance, governance, and audit-ready recordkeeping for fiduciaries and plan sponsors to support ERISA compliance, regular investment reviews, and documentation exports for audits.