impactfolio.co

What It Is

IMPACTfolio, LLC is a fee-only financial planning and impact investing firm based in Denver, Colorado, USA. It is not a payment gateway, acquirer, or cross-border payment provider. Its services are geared toward personal wealth management, with an emphasis on building sustainable portfolios around a three-part “Planet, People, Profit” framework, alongside comprehensive financial planning.

Core Capabilities and Compliance

Services include portfolio management, cash flow planning, tax planning, retirement planning, education planning, insurance reviews, estate planning, RMD management, and more. Portfolios are divided into two categories: core and explore. The former uses model portfolios based on risk levels, while the latter is more tactically oriented, focusing on market conditions, valuations, and relative strength indicators. On compliance, the official website states that every advisor is a CFP® and follows a fiduciary standard. Client assets are custodied with Charles Schwab, which handles asset custody, trade execution, monthly statements, and tax reporting. However, the main text does not disclose an SEC or state RIA registration number, so its regulatory registration details still need to be verified separately.

Pricing and Service Experience

Pricing is based on a fixed annual advisory fee: clients with combined assets under management below $3 million pay $7,500 per year, while those above $3 million are priced according to complexity and needs. Compared with the traditional 1% AUM model, this structure is more transparent and reduces the incentive for advisors to push clients to transfer in more assets. The service includes annual or semiannual meetings, on-demand communication, unlimited email support, and a personal financial website for aggregating accounts, tax documents, estate documents, and cash flow data.

Pros, Cons, and Best Fit

Its strengths include clear pricing, a defined fiduciary positioning, an impact investing philosophy that runs through the investment process, and coverage across both financial planning and asset management. Its drawbacks are a relatively high client threshold—the website notes that typical clients have more than $750,000 in investable assets—and the fact that it is not suitable for merchant acquiring, payment processing, card issuing, wallet, or cross-border settlement needs. It is best suited to individuals or families in the United States who need long-term wealth management, support sustainable investing, and want to avoid percentage-based AUM fees.

Access from China and Alternatives

The source text does not provide information on access from China, so this is considered unknown. If you are in China and your goal is payments or acquiring, consider Alipay, WeChat Pay, Stripe, Adyen, PayPal, and similar providers. If your goal is U.S. wealth management, you can compare it with traditional RIAs, Vanguard Personal Advisor, Betterment, Wealthfront, or advisory services related to Charles Schwab.