Investing With A Conscience

Why Responsible Investing?

Sustainable, responsible and ethical investment fund solutions (SRI) offer investors the option to align their lifestyle choices, interests, values and opinions into investment planning.1

SRI first emerged in the 1980s and expanded and diversified significantly since early 2000s as a result of diverse investor aims, values and goals; thus giving rise over time to what are conventionally referred to as different ‘SRI Styles’.

Chartered Insurance Institute, Think Piece, “SRI: environmentally, socially and financially useful – and uniquely placed to help build trust”, by Julia Dreblow, Director of SRI Services at FundEcoMarket.co.uk

Environment, Social and Governance (ESG) Factors Investing

What is commonly referred to as ‘ESG investing’ can be broken down into a number of sub-strategies.

These include:

  • ESG Integration, that the UN-PRI defines as “the explicit and systematic inclusion of ESG issues in investment analysis and investment decisions.”

  • Best in Class ESG Investment, which can be seen as an evolution of ESG integration, refers to the composition of portfolios by the active selection of only those companies that meet a defined ranking hurdle established by environmental, social and governance criteria.

  • Engagement & Voting, “a long-term process, seeking to influence behaviour or increase disclosure” regarding ESG matters. This approach recognises that investors have the power to change corporate behaviour through a continuous collaboration (and in some cases confrontation) with company management on ESG issues.

The table below contains a summary of the typical ESG factors²:

For more information about Ethical Investing

Helping You Achieve The Best Possible Outcome

The Investment Process

  • Start by Delineating a Financial Picture

    The Financial Planner at KLO Financial Services will help you to build a picture of your existing income and capital needs.

  • Identifying

    After filling out an SRI StyleFinder Questionnaire, the Financial Planner will help you to assess and identify your preferred SRI Styles.

  • Finding the Suitable Investment Solution For You

    After filling out an SRI StyleFinder Questionnaire, the Financial Planner will help you to assess and identify your preferred SRI Styles.

  • Monitoring & Reviewing the Investment Solution

    Your chosen investment solution will be monitored and reviewed on a regular basis in terms of performance, current suitability for your financial goals, attitude to risk, capacity for loss and preferred SRI styles, with a view to actively implement changes when needed, following regular meetings between you and your Financial Planner.

We’re Here to Help

Contact Us Today

We are always eager and available to meet with you to discuss your financial objectives and assess your current strategies. No question is too big or too small. The first consultation is always free and comes with no obligation. If you’d like to speak to one of our expert financial advisers, get in touch today.

What Our Clients Say?

James has been my financial adviser for several years now, and I am continually impressed by his customer care, knowledge of the market, and attention to detail. During our regular face to face meetings, my finances are discussed and reviewed in a clear and practical way. If I have any questions, James is always on hand with easy to understand advice. And every decision we make together is promptly followed up. I can’t recommend James and KLO Financial Services highly enough. They are a company who genuinely care about their clients, and I feel comforted to know my finances are in such safe hands.

I couldn’t be more pleased to have James Glavey at KLO as my financial adviser. He is doing really good things with my portfolio, but above all I trust him to do so and this is paramount for me.

My decision to move my portfolio to KLO was driven by the professionalism and reassurance that Dan Styles gave me when I met him.  Not only has he surpassed all my expectations but I have experienced, first hand, the superior attention to detail that he, and the KLO team have given. I believe that all of this stems from being a small independent firm, who treat your money as if it were their own. I couldn’t recommend them more for peace of mind for the future

Dan has been ultra professional , explaining all my options in a straightforward way and his customer service and that of KLO has been first rate .

I would highly recommend Dan and the team at KLO.

‘I have been delighted with the quality of advice and the level of service I have received. As a result, I am confident that my financial affairs are being much better handled than I could ever do myself. At a time of very low interest rates and global uncertainty, the advice I have received has sustained and grown my portfolio in a very satisfactory way.’


Worcestershire