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All clients integrate planning in some way. The outcome of a planning conversation is often awareness - of how much liquidity is needed to support income needs or when to begin income distributions. This awareness grows from our shared understanding of your current resources and expected need - as well as the amount and pace of how the portfolio is expected to shore up that difference. Wealth builders tend to have more capacity to take on risk than those spending down savings. Whatever the suitable mix between growth assets (global stocks and real estate) and those of relatively more resilience (like bonds issued by companies and governments and community development loans), I rarely prefer to be on the outer edge of the risk spectrum. On the bond side of things, Farm Girl Capital favors higher quality, diversified, and sustainable. Even for the most growth oriented clients, I recommend at least 20% of stable investments to both increase diversification and steady the journey. Patient capital is less liquid than publicly traded companies. These private opportunities may bear certain kinds of risk beyond the markets, like a lack of secondary market to sell them. Access to private opportunities can offer personal fulfillment that comes from more direct connection to impact opportunities and innovations that draw us closer toward a restorative economy. Placing patient capital within a diversified portfolio further diversifies the investor experience and expected long term outcome for all stakeholders - one that goes deeper within and far beyond the confines of the market universe - toward climate resiliency, local community development and personal wellbeing. https://images.squarespace-cdn.com/content/v1/60b98d5d1af05253d40285e9/1623732998339-VBPTYOAVSRSCBVSVZ9E5/IMG_9342.jpg Balanced Portfolios - Long term investments create greater peace of mind now. Risk is personal. Age is only one factor in developing a risk profile for clients and investment strategy. Together, we create an understanding of your preference for risk and willingness for it - to cultivate a ‘balance’ for your portfolio - or mix between growth assets, like stocks, and those anchored in more resilience, like green bonds. By sharing an understanding of this balance and coming back to center as it relates in your life to ask the question of whether to adjust that mix, your wealth journey is more peaceful. https://www.farmgirlcapital.com/engaged-portfolios daily 0.75 2025-12-16 https://images.squarespace-cdn.com/content/v1/60b98d5d1af05253d40285e9/1622781451356-9J8AAQQ40DJ6350W02LM/IMG_2826.JPG Engaged Portfolios - Community Development. While shareholders are at the forefront of corporate change through advocacy, the relatively more resilient fixed income side of the portfolio can create impact, too. In addition to lowering the overall risk of the portfolio, fixed income investments fund green infrastructure, affordable housing, and community wellness. By loaning to projects in low income housing, small business development, job creation, and local healthcare facilities, investors engage in the development of healthier communities. https://images.squarespace-cdn.com/content/v1/60b98d5d1af05253d40285e9/1632245110822-XR2NCQNJEJ3RP48O9QAL/IMG_9004.JPG Engaged Portfolios - Shareholder advocacy is shareholder solidarity. Like the sea, the world of shareholder advocacy is ever changing, a living body - based on government policy and a network of persons that find interest, comfort and hope there. Farm Girl Capital does not retain authority to vote proxies on shareholder resolutions. Investment selection within portfolios is guided, in part, on how managers implement and participate in shareholder engagement, including voting proxies. Farm Girl Capital connects clients with shareholder advocacy non-profits, consultants, and third party managers who facilitate full-service proxy voting. The ultimate goal of shareholder advocacy is a stronger company for the common good of all stakeholders - including shareholders. https://images.squarespace-cdn.com/content/v1/60b98d5d1af05253d40285e9/1632277224736-MN3B3VAS5CCL315ZDKED/IMG_2428.jpg Engaged Portfolios - Patient Capital. Private opportunities in restorative investments like regenerative agriculture, renewable energy, and affordable housing can tie up funds for longer and be less liquid. They may not have a secondary market in which to sell to convert into cash. I refer to this as patient capital. Clients tend to have a budget for patient capital and invest smaller portions of the portfolio. Still, private opportunities in a restorative economy can be an important part of the overall diversification of a portfolio from a fulfillment and impact perspective.