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We work with enterprise and mid-market employers — typically companies with 500 to 5,000 employees — that have active sustainability commitments and significant retirement plan assets. Our primary contacts are sustainability leaders (CSOs, ESG directors), people leaders (CHROs, VPs of Total Rewards and Benefits), and the financial decision-makers on the plan committee (CFOs, Treasurers). We also serve universities and other institutions with 403(b) plans.

Financed emissions are the greenhouse gas emissions tied to the companies your retirement plan invests in. Under the GHG Protocol, they fall under Scope 3, Category 15. Most Scope 3 reporting covers supply chain, travel, and waste, and leaves the retirement plan out, not because it is immaterial but because it has rarely been measured. Intentional Investing Lens for Plans measures it.

Intentional Investing Lens for Plans takes your fund lineup and calculates each fund's carbon intensity using Weighted Average Carbon Intensity (tonnes of CO2 per million dollars of revenue), following the methodology of the Partnership for Carbon Accounting Financials (PCAF). Holdings data comes from Morningstar; emissions come from reported figures where available and sub-industry averages where not. You get the plan total and a per-fund breakdown, in a format you can use for CDP, TCFD or ISSB reporting and SBTi baselines.

No. Investature works inside the plan you already have — whether it's administered by Fidelity, Empower, Vanguard, Alight, or another recordkeeper. We coordinate with your existing investment consultant if you have one. Nothing about your plan's administration, recordkeeping, or payroll integration needs to change.

Under current Department of Labor guidance, plan fiduciaries may consider climate factors when they are financially material to the investment decision. Employer Sponsored Plan Review gives your committee the data to make that judgment: every fund comparison shows carbon intensity, fees, and three-year and longer returns side by side. Investature is not a fiduciary or an investment adviser and does not give investment, tax, or legal advice. Every decision about the plan's menu stays with the plan's fiduciaries and their own advisers.

Some lower-carbon funds outperform their category peers and some do not, so we do not claim that lower carbon means better returns. Every comparison we show puts the fee and the three-year return next to the carbon figure, before and after. When a lower-carbon fund costs more, the screen says so as plainly as it shows the carbon reduction.

Most corporate emissions-reduction projects need capital spending: new equipment, facility upgrades, fleet changes. Reallocating retirement plan investments needs none of that. The money is already invested; the change is where it sits, not how much the organization spends.

Intentional Investing Lens for Individuals shows each employee the carbon footprint of their retirement savings in about five minutes, on a phone or a laptop, with lower-carbon alternatives in the same fund category and the fee and return alongside. Employees can reallocate within the options their plan already offers, with no committee decision needed. Nothing moves inside the tool; the choice stays with the employee.

It starts with a conversation. We will run a financed emissions assessment of your plan from the fund lineup you already have. From there you can roll out Intentional Investing Lens for Individuals to employees, take the lineup to your committee with Employer Sponsored Plan Review, or both. Click here to contact us.