Carbon Collective Investing, LLC (hereafter “CCI”) offers investment advisory services through the Carbon Collective Investing Personal Wrap Fee Program (“CCI Personal”), and the Carbon Collective Investing Employers Wrap Fee Program (“CCI Employer” and together with CCI Personal, the “CCI Programs”) over the internet via online interfaces. CCI is a Limited Liability Company organized in the State of California.
The firm was formed in July 2020, and is a wholly owned subsidiary of Osmo Systems, Inc. a C Corporation registered in Delaware. If you have questions about the material contained herein, please contact CCI at[email protected]. As of December 31, 2023, we managed approximately $122,867,425 in assets on a discretionary basis, and $0 on a non-discretionary basis.
This Wrap Fee Brochure is meant to help you understand the nature of the advisory services offered by CCI, whether the advisory services offered by CCI are right for you, and the potential conflicts of interest associated with your participation in the CCI Programs. You should review it carefully.
CCI Programs- Investment Management Services The CCI Programs are designed to provide clients with investment portfolios that divest from the roughly 20% of the stock market that relies on fossil fuels and reinvest directly in the companies building solutions to climate change (“Climate Solutions Companies”). The programs manage risks by remaining broadly diversified and continuing investment in the roughly 80% of the stock market that is already low-carbon and doesn’t depend on fossil fuels for its core business. Further risk management and diversification is provided by altering the exposures between asset classes within this investable universe. The goal being, fewer emissions and more solutions for long-term investing for climate change.
CCI Personal Program As part of CCI’s Personal program, we provide discretionary investment advisory services to individuals and high net worth individuals via an online interface. If you invested with CCI directly through our website atwww.carboncollective.cowith an individual, joint, trust, IRA, or other similar personal account(s); or if you have a solo 401(k) with Altruist, then you would be in the CCI Personal Program. This entails the use of algorithm-based portfolio management advice, rather than in-person investment advice. These automated investment solutions are customized to each client and based on individual characteristics, such as the client’s time horizon, risk tolerance, income, and current assets, among others. The investment strategy for a specific client is based upon the client goals and risk tolerance objectives stated by the client completed questionnaire. The client may change these objectives at any time via online form or email and may book a time to talk in order to address any questions, personal objectives or restrictions related to their account by clicking “Talk to a Human” at the top of CCI’s website or by emailing[email protected]or[email protected]. The CCI Personal program provides a monthly newsletter to members, the cost of which is included in the overall wrap fee and may be canceled immediately without notice. CCI also provides a variety of educational materials for clients on its website.
CCI Employer Program CCI provides investment advisory services to company 401(k) plans through the CCI Employer wrap fee program. If you invest with CCI through your employer’s 401(k) plan, then you would be in the CCI Employer Program. CCI’s Employer Program offers online, algorithm-based portfolio management advice, rather than in-person investment advice, to companies that would like to offer green investment options to their employees, in addition to traditional retirement portfolios. Through an employer’s chosen recordkeeper, employees can choose from retirement target date portfolios; complete a questionnaire which is designed to recommend portfolios based on goals, risk tolerance, and time to retirement; or self-direct their contributions to one or more of the fund options in the employer’s investment lineup.
Employees may adjust their investments or portfolio types through the online interface provided by the recordkeeper.
CCI Programs- Fees The CCI Programs are designed to “wrap” together many common third-party fees, including custodian, brokerage, and investment management fees into a single fee of between 0.05% and 1.00% per year depending on the program and type of account as more fully described below. CCI negotiates directly with the custodian and broker dealer responsible for maintaining client accounts and executing securities transactions, then pays a flat fee for these services using the fee collected from the client.
Accounts participating in the CCI Programs are not charged higher advisory fees based on trading activity, but clients should be aware that CCI has an incentive to limit trading activities since the firm absorbs those transaction costs. We are paid based on assets under management and therefore

have a financial incentive to recommend you contribute more money to your accounts.
Certain other fees are not included in the wrap fee and are paid for separately by the client. These include, but are not limited to, margin costs, charges imposed directly by a mutual fund or exchange-traded fund, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. CCI’s selected broker dealers are responsible for executing client transactions in the market, as instructed, and may be paid a “spread”, the difference between the bid and ask price of a security on the market, when executing securities transactions. This spread is indirectly paid by clients through the purchase and sale of securities on the market. CCI reviews the execution practices of its selected broker dealers annually.
401(k) plans in the CCI Employer program are administered by a third-party administrator that acts as the plan recordkeeper and are chosen by the client. The third-party administrator may charge the 401(k) plan or its sponsoring company fees which are not included in the wrap fee and are paid pursuant to a separate contract between the 401(k) sponsor/company and their chosen recordkeeper. CCI does not use third-party portfolio managers and does not separately pay our in-house portfolio managers based on client assets.
CCI fees are generally not negotiable. CCI will occasionally provide discounts or promotional rates which may reduce what a specific client will pay. The CCI Programs may cost the client more or less than purchasing such services separately. There are several factors that bear upon the relative cost of the program, including the trading activity in the client’s account, CCI’s ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specific services offered by different providers). You will pay fees and costs whether you make or lose money on your investments and they will reduce any amount of money you make on your investments over time.
CCI Personal -Investment Management Wrap Fees and Minimums CCI Personal portfolios use the Carbon Collective Climate Solutions U.S. Equity ETF (“CCSO”) and the Short Duration Green Bond Fund (“CCSB”) to provide exposure to Climate Solutions Companies. CCSO and CCSB are collectively referred to in this Brochure as “the Funds.” CCI is the sub-adviser to the Funds and receives an investment sub-advisory fee for providing investment advice to the Funds, therefore CCI Personal program fees are discounted when we use the Funds in a client account to ensure that clients are not paying twice for such services.
Accounts with restrictions that may not be automated by our broker-dealer or which otherwise require or request a custom, or bespoke, portfolio of individual securities for exposure to Climate Solutions Companies must have a minimum of $100,000 of investable assets under management with CCI. For CCI’s Personal Program portfolios which use the Funds for exposure to Climate Solutions Companies, we impose a minimum account balance of $1,000; however, CCI reserves the right to waive or reduce this minimum at its sole discretion.
The CCI Personal wrap fee breakdown for account types with and without the Funds are detailed in the table below: Portfolio TypeAnnual Wrap Fee Safety Net, Core, or Climate Only without the Funds (bespoke portfolios - $100,000 minimum assets under management)1.00% Core or Safety Net using the Funds0.20% + $12/account Climate Only using the Funds0.05% + $12/account Asset-based portfolio management fees are withdrawn directly from the client’s account with the client’s written authorization provided in the investment advisory contract. Fees are paid every month in arrears.
Legacy clients may have a different fee schedule than that described above. In addition, some clients may have received a discount or participated in a special offer at the time of their engagement of our services. Each client’s specific fee is set forth in their advisory agreement. All discounts are at the sole discretion of CCI.
CCI receives a sub-advisory fee of 0.02% for investment advisory services provided to the Funds. In addition, CCI would receive any profit remaining after payment of all operational expenses of the Funds.
Otherwise, neither CCI, nor any representatives of CCI receive any additional compensation beyond advisory fees for the participation of clients in the CCI Programs. However, the compensation received may be more than what would have been received if the client paid separately for investment advice, brokerage, and other services. Therefore, CCI may have a financial incentive to recommend the CCI Programs and the Funds to clients.
CCI Employer-Investment Management Wrap Fees and Minimums Investment management fees for the CCI Employer program are accrued monthly and billed quarterly to either the company/sponsor or may be debited from plan participants in accordance with the 401(k) plan agreement with the company’s chosen recordkeeper. There is no account minimum for the CCI Employer program. CCI Employer 401(k) plans are charged up to $150/month plus up to 0.50% per annum of AUM for its 3(38) services.