Dad Bod Is Out, Healthy Living Is In

WGN

Men are not healthy. A pudgy “Dad Bod” is not hot—and celebrating that is what’s wrong with this country. Dr. Ridwan Shabsigh, an expert on men’s health, is on a mission to help men live healthier and longer and give them the tools and motivation to do that. He joins The Big Payoff of WGN Radio along with Tiller CEO, Rob Densen, to discuss the health crisis facing American men.

WARNING: Women – the condition of men and their health can drastically impact your life as well.

Check out the radio interview here: http://wp.me/p3Sjnl-uHO

Medical Debt: Financial Side Effects

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Before reading, take a crack at the following question: Which type of debt accounts for over half of all outstanding debt that shows up on personal credit reports?

When we think about poor credit reports, it’s educational, utilities, retail or banking-related debt that often comes to mind. However, the reality is that medical debt accounts for about half, or 52%, of all outstanding credit report debt.
Those of us with healthcare insurance may feel pretty secure about our ability to cover medical expenses. Don’t be. Sometimes it takes only one accident or emergency surgery to wind up with an overwhelming amount of medical debt on your credit report. And it’s not just Americans who have charged too many vacations or are having trouble paying off student loans. Many consumers with medical debt on their credit report have “otherwise ‘clean’ credit” and “show no other evidence of financial distress,” reported the Consumer Protection Financial Bureau last December.

It’s a situation that millions of Americans are finding themselves in on a daily basis. To be more exact, 63% of Americans in 2014 received a medical bill that was more than they expected to pay. And this year, nearly a fifth of us will hear from medical-debt collectors, and they’ll gather $21 billion in total.

So where is all of this debt coming from? The main culprit is out-of-network charges unforeseen by patients prior to their procedure. The other two are medical billing errors and hospitals ability to charge different amounts for the same procedure. NerdWallet, who released a report in March 2014 stating that medical bankruptcy is the number-one cause of personal bankruptcy in the United States, also analyzed the varying costs of the same procedures in different hospitals across the country. The most staggering example was the highest cost for an inpatient stay due to severe intestinal bleeding in California ($291,000), compared to the lowest cost for treating the same condition in Nebraska ($5,400).

The cases you’ll hear about the most though, are the ones in which a patient has meticulously planned out a procedure to include in-network doctors, and awoke with staggering medical bills due to the last minute inclusion of an out-of-network doctor in the procedure. Often times, insurers will pay the full amount or large portions of these out-of-network fees, which provides incentives for doctors to continue the practice. Unfortunately for the people who are sent these bills, by the time insurers address an out-of-network billing issue the debt has already been sent to a collection agency, often without the patient’s knowledge. Hence the massive amount of medical debt in America.

However, there is some good news. For 15 million Americans out of the 43 million who have delinquent medical debt on their credit reports – medical debt is the only debt they have in collections in their credit report. And those people who paid off medical debt that had landed in collections were also more likely to repay the rest of their debt. FICO also announced their plan to distinguish between non-medical debt and medical debt in order to reduce the impact of healthcare debt on credit reports, so that’s a start.

While the FICO change is helpful, it doesn’t address the underlying issue – keeping people out of medical debt in the first place. Legislation such as the Medical Debt Relief Act, if passed (which it has struggled to do), would be a great advancement towards protecting Americans from medical debt and out-of-network bills. Resources also need to be made available to educate, empower, and arm Americans with their medical payment options. If we can teach Americans the proper ways to allocate funds towards healthcare, as well as provide instructions on how to handle blindsiding fees, we can greatly reduce the amount of people ending up in debt.

In the meantime, Jean Chatzky offers up a few suggestions such as purchasing the best health insurance policy possible and staying fit (no cigarettes and keep your weight in check). Should you be interested in reading about specific instances in which people undergoing surgery were slammed with unauthorized out-of-network charges, check out this New York Times article. Warning, it’s not pretty.

– Lucie Dufour, Associate

Photo Credit: Flickr

Corporate America: A Vehicle for Social Change

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Recently I was asked to be the alumni speaker at the Jepson School of Leadership Studies’ Senior Banquet at the University of Richmond. Did I think I was old enough or wise enough to be the alumni speaker? Absolutely not. Did I go and give the speech anyway? You bet. I did, however, make sure to point out at the beginning of my speech that I am hardly an expert on life at the ripe age of 24. There are, though, a few things I do know, one of which is an unsettling trend I felt compelled to share with the Jepsonites.

Over the last two years, many of my friends have expressed the belief that once they get older and make their millions, then they can become philanthropic and get involved in their communities. We leave social responsibility at the doorstep of our offices to be picked up on our way out.  We have separated business and philanthropy from one another, reasoning that profits from business will go towards philanthropy. But the reality is that we live in a capitalist system where businesses can act as a powerful force for good – and are often rewarded by consumers when they do so.

There is still an opportunity for those of us who do not go to work for nonprofits or public service positions to be change agents, yet the majority of us forget this while we are caught up in our daily work routines. One of the things that frustrates me about corporate America – besides the fact that there aren’t unlimited snacks – is that many businesses still think being an advocate or philanthropic means an outward flow of funds and resources. Reality Check: brands that align with a relatable social issue will create significant benefits – for their consumers and their bottom line.

This is the message I aimed to impress upon the Jepson students. Most of them will go to work in corporate America, and when they do, my hope is that they will remember to align their expertise and competencies with the concerns of their customers. Business goals and consumer insight – paired together with a social issue – will create a brand that will stand out as a leader from its competitors.

I used our recent work with the New York Life Foundation as an example of how an organization can leverage its resources to rally around an issue affecting their customers. The Foundation’s efforts to empower educators to better support their grieving students served to reinforce New York Life’s identity as a life insurance company that cares about the lives of its customers. The results were better training tools for educators, a better understanding of grieving student’s needs, and a better brand for New York Life. We always tell our corporate foundation clients that writing checks is great, but owning a social issue and working to address the root of the problem is even better.

I’m proud to say no one booed me off the stage, or started playing the Oscar music when I went 35 seconds over my allotted time. Rather, students and professors alike seemed to have taken the journey with me and came to the realization that as individuals – and as a nation – we can do better. And we can do this, by using our jobs as vehicles for social change.

While the Jepson curriculum is centered on ethical decision-making and creating positive change, this message applies to soon-to-be grads everywhere. Expect more from yourselves and from our nation, and use that passion to improve the circumstances of others.

– Lucie Dufour, Associate

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Photo Credit: SocialEarth.org

Social Media for Social Impact

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Social media has been getting a lot of bad press lately for its role in cyberbullying – and rightfully so. However, the rise in abuse of social media platforms should not take away from the fact that 47% of Americans learn about philanthropic causes from social media and online channels. Our work with the New York Life Foundation on the prevalent and devastating issue of childhood grief offers one recent example of social media’s power to effect positive change.

First, a little context: In 2012 the New York Life Foundation and the American Federation of Teachers (AFT) conducted a survey which told us that while 7 in 10 teachers (69%) currently have at least one grieving student in their classroom(s), only 7% have had any amount of bereavement training. At the same time, 92% of educators – including teachers, aides, counselors and staff – say childhood grief is a serious problem that deserves more attention from schools.

The gap between educators’ desire to help grieving students and actually knowing how to do so was too big to be ignored. In response, the New York Life Foundation convened the Coalition to Support Grieving Students, a groundbreaking collaboration of leading professional organizations in the K-12 education space. With the help of Scholastic and the National Center for School Crisis and Bereavement, the Coalition formed a first-of-its-kind on-line resource to empower school communities across America in the ongoing support of their grieving students.

Since 74% of all online adults use social networking sites, we knew we had to incorporate social media into our campaign to reach our target audience of educators, parents, school mental health professionals, and other school community members. Developing a detailed social media strategy has proven to be the top contributor to social media success, so that is exactly what we did.

Our campaign included live tweeting at the event, two hashtags (#StudentGrief and #GriefCoalition), unified messaging post-launch on Coalition member sites, as well as resharing any mention of the issue, Coalition or the website. As a result of these actions, we garnered 3,119 additional page views of grievingstudents.org, accounted for 1,831 visits, and brought 1,761 unique visitors to the site through social media vehicles in only 34 days.

1,761 unique visitors might not sound like a lot compared to the millions of Americans who use social media, but the number becomes a lot more meaningful when you consider the grieving students who will benefit from newly trained educators. Let’s say only 25% of the visitors were educators with direct access to students – the average teacher interacts with 8-9 grieving students per year, so that’s 3,740 additional grieving students getting the support they need in this past month alone, as a direct result of social media outreach.

While recently we have heard about social media as a means to offend and isolate, this campaign served an opposite purpose, as it was used to promote the emotional expression of people impacted by the issue. The floodgates opened and stories of frustration, disappointment, continued grief, and cries for change spread across Twitter, Tumblr, Facebook, LinkedIn, and blogs. Individuals who had experienced grief were able to connect with one another and offer their own coping mechanisms, as well remind each other they are not alone in their struggle with loss. Using social media as a vehicle for discussion allowed for discourse to flow freely about a subject usually viewed as too personal or too awkward to be shared.

It is our hope that the Coalition to Support Grieving Students and their resources will continue to spread across social media, and in turn, continue to bring comfort to America’s youth.

For More Information: Coalition to Support Grieving Students

-Lucie Dufour, Associate, Tiller

Domestic Violence Is Not a Game

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Fan interest in the NFL has reached a fever pitch with the upcoming Super Bowl, however, many eyes have been fixated on the league all season, and not just for the love of the game.

Ray Rice and Adrian Peterson became notorious for their actions off of the field, but are not the only players in 2014 to be charged with domestic violence crimes. Four other players were charged with domestic violence, not including those whose crimes against women were categorized as assault. Since the start of 2015 alone, there have also been two cases of domestic violence– making domestic violence the number one cause for arrest among NFL players.

Commissioner Roger Goodell’s failure to publicly address both Rice and Peterson’s criminal activity in a timely manner led to an absolute PR nightmare for the NFL.  For a league that has had numerous domestic abuse charges filed against some of its players over the past few years,  it’s almost unimaginable – and certainly inexcusable – that there was not an existing domestic violence policy in place. The NFL’s failure to hand down timely and fair punishments to these  players  disrespects  the game and its fans, makes a mockery of its campaign to attract more female fans, and calls attention to the reactive and self-serving nature of the league. Not good for the game.

Clearly, domestic violence and sexual assault against both men and women is not limited to the NFL. In actuality, the rate of domestic violence and rape cases among NFL players is less than that of the general population.  The news is not so encouraging on our college campuses, where recent reports of abuse and violence against women and men have exposed a toxic environment where violence and sexual abuse is frequently brushed aside – and sometimes even facilitated. Having recently graduated college and compared notes with my friends at other schools, it seems that only recently have colleges and universities revamped their programs on sexual education, bystander intervention, and emotional support for victims to be relevant to today’s society. And when penalties are meted out for the abuser, they are frequently slight and well after the fact. Moreover, imposing policies after an assault is important but does nothing to fix the real issue at hand, the misconception that assault just happens.

As one of the greatest sports leagues in our country, the NFL has an opportunity – and arguably an obligation as a corporate citizen – to change the way our nation addresses sexual and domestic violence from grade school on. The new policy enacted in August is an important first step, but the league has miles to go before they win my vote of confidence.

It is my hope that in 2015, the NFL will take advantage of the opportunity sitting in front of them and set an example for the rest of the country on how to handle sexual and domestic abusers. Indeed, no person – no matter how many touch-downs they’ve scored, or how many tackles they had in college, or how popular their fraternity is – is above swift and fair punishment.  It’s time for the NFL to go on the offensive and take proactive – not reactive – steps over time towards changing the way we perceive assault and combating the current environment that permits the violation of our basic human rights.

Photo Credit: No More

— Lucie Dufour, Associate, Tiller

Kids and Grief: What Other Cultures Can Teach Us

NPR

Photo Credit: LA Johnson/NPR

It’s undeniable that the loss of a parent or sibling is a life-altering event. In a New York Life Foundation survey from a  few years back, most Americans (58%) who lost a parent or guardian growing up said that the experience was “the hardest thing (they’ve) ever had to deal with.”

Hard as it is for a child to lose a parent, it’s even more challenging here in the United States, where we really haven’t developed the cultural or institutional tools and understandings to help children cope. Or as the comic strip character Pogo once said, “We have met the enemy, and he is us.”

Obviously, the way children are allowed to grieve can make a critical difference in how well they cope and adjust.  The problem is, in the US, grief is typically a private process that happens behind closed doors. After funeral services and a few days of condolence calls, grieving families are expected to “move on.” In the case of a grieving child, that typically means returning to school where kids spend most of their waking weekday hours.  Unfortunately, America’s schools are woefully unprepared. Small wonder that among school-age children, grief often manifests itself in poorer academic performance, social withdrawal, and new behavioral problems. Educators want to help, but lack the training or resources.

So much of this is cultural. We are a grief-averse society. We want mourners to move on with their lives and ignore the implications of sending children back into educational and social systems that don’t provide proper support or outlets for expressing their grief.

In contrast, other societies openly incorporate mourning and remembrance into social constructs and educational settings which ultimately helps children express feelings, integrate the experience, and move forward. Here are but two examples.

Dia de Los Muertos is an annual Mexican holiday with Aztec and Catholic roots during which mourners are afforded a grieving ground to celebrate and remember the lives of lost loved ones. Families build beautiful, brightly-colored altars honoring those who have been lost, allowing the spirits of the deceased to live on in communal celebration. The loneliness and isolation that grieving American families experience is absent at these celebratory, colorful festivals.

In the Maori culture of New Zealand, public expression of grief is actively encouraged. Children understand the meaning of grief and of the life cycle from a young age through ongoing recognition of ancestors via carvings that carry legends and stories that live on generation to generation.

For all of our sophistication and knowledge and technology, we remain painfully and woefully behind the grief curve. It’s time for a more open, positive conversation – most importantly for our kids’ sake. Maybe looking at other cultures is a good place to start.

Photo Credit: LA Johnson/NPR

– Lindsey Jordan, social worker and Tiller consultant

Going Green: A Personal Perspective

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As a new year begins, it’s time to be honest with ourselves – how many of us actually followed through on our 2014 New Year’s Resolutions?

If the answer is “not me,” don’t worry; I didn’t either. Did I learn to play the guitar? Nope. Did I limit myself to three Mac and Cheese meals a week? Absolutely not!  But for 2015, I think I actually found a resolution I can keep for an entire year.

Like the majority of Americans, I’m making a “green” resolution for 2015. I am only going to run the dishwasher when it is completely full, and not just when my Giants mug is dirty. As I found out with my Mac and Cheese pledge, counting carbs is incredibly challenging. I’m hoping counting carbons, will be a little less so.

I’m not alone in making such a resolution. According to the results of Tiller LLC’s third poll on Americans’ feelings and attitudes towards the environment, six in ten Americans will make a green resolution for 2015.  That compares with 49% of Americans in 2007 and 53% in 2009, suggesting that going green is more top of mind than ever before.

Encouragingly, whether or not they make a resolution, better than eight in 10 Americans (83%) said they plan to look for more opportunities to “go green” in 2015.

What is this emergent green fervor all about? From my perspective as a Millennial, the factual evidence regarding the decline of our environment is impossible to ignore. Fingers crossed I have at least another 50 years on this planet, and I don’t want to spend it breathing in pollutants and wading through litter on the street.  I don’t want to be the last generation who has seen a polar bear, and I don’t intend on letting any of those things happen while I am still kicking. Millennials are an educated generation with an in-depth understanding of technology. Technology that has shown us the ice caps are melting, the ozone is depleting, and the coral reefs are dying. While we Millennials are hypersensitive to the condition of our environment, we aren’t the only ones concerned.

Our survey also revealed a cross-generational concern about the environment and Americans’ increasing concern over global warming and widespread belief among most survey participants that the condition of the environment has worsened during their lifetime.  There is also concern about the next generation. Eighty-five percent of respondents agreed that leaving their children a “cleaner, more sustainable world is/will be one of my greatest responsibilities as a parent.”

As Tiller president Jim Marren said: “It’s all too easy to let environmental issues accumulate and pass the problem on to future generations. But we are paying a price even now for poor environmental stewardship and that toll will only grow over time.  Encouragingly, Americans understand that unless we, individually and collectively, make a concerted effort to protect the environment now, we will damage our world in ways perhaps impossible for our children to repair.”

So looking to make a difference in 2015? You can start by checking out Tiller’s “Ten Small Things You Can Do Now That Make A Big Difference” for your 2015 green resolution. Ideas are as simple as unplugging appliances when you aren’t using them, using cruise control, and, my personal favorite, not rinsing your dishes – Mac and Cheese included — before you put them in the dishwasher.

Check out tillerllc.com for the full findings from our 2014 green survey and for Tiller’s “Ten Small Things You Can Do Now That Make a Big Difference.”

Photo Credit: Corbis

— Lucie Dufour, Associate, Tiller

“In most high schools today, you can take Woodshop or Auto, but not a class on investing.”

Americans are in the red when it comes to financial literacy – and the need to have the topic introduced into school curricula nationwide is even more evident than ever.

In a recent global PISA survey of 18 nations, United States teenagers ranked only in the middle of the pack when it comes to financial literacy – well behind such nations as Belgium and New Zealand. Only 9.4 percent of American 15-year-olds demonstrated strong understanding of a wide range of financial terms and the ability to describe potential outcomes of financial decisions – knowledge that researchers say is essential in meeting urgent financial challenges like saving for retirement or staying out of debt.

The public overwhelmingly agrees that we need to address the deficiency – now. According to a 2013 poll sponsored by Bank of America, 99 percent of adults believe it’s important for high schools to teach students about personal finance.

Though the drive to get financial curricula into schools has been halting, several organizations have developed highly successful outside-the-classroom models for empowering young Americans with the skills and confidence necessary to build secure financial futures. Examples include the Voya-Girls Inc. Investment Challenge, PwC’s Earn Your Future program, Ariel Community Academy and Schwab MoneyWise initiative.

For the past 5 years, the Voya Investment Challenge (formerly known as the ING Investment Challenge) has offered teenage girls the opportunity to build and manage a diversified, real-time $50,000 portfolio, in the process earning invaluable, hands-on asset management experience and other financial literacy skills. The bank’s program assessment reaffirms that such early-education programs not only provide immediate financial empowerment, but also encourage teenagers to become life-long savers and investors. Parents of the participating girls have been learners as well, saying they’ve picked up new saving and investing knowledge from their children.

But how can we better “institutionalize” financial literacy education? There have been some advances in school boards introducing economics and financial training into curricula. This year, for the first time, all 50 states and the District of Columbia include economics in their K-12 standards, according to the Council for Economic Education’s 2014 Survey of the States. But only 19 states require a course in personal finance to be offered.

A dearth of teaching support – and, more fundamentally, lack of a well-defined consensus on how to measure success – remain impediments. Only one in five teachers feel qualified to lead a personal finance class, according to a University of Wisconsin study. And even with enough qualified instructors, personal finance concepts are not part of standardized tests, which seemingly makes their inclusion in curricula less urgent. Given that educational practices are set at the state level, lack of information and agreement on the success of financial teaching methods has made states and their education cautious to commit.

Now that the first step towards national financial literacy has been taken – acknowledging the need – it is time for unified effort to put in place firm educational requirements. Financial literacy must become a staple in the classroom alongside subjects such as science and history, and at the very least, a portion of the math curricula. If all states and all schools are not incorporating financial education, then it will not be considered an essential topic, and will most likely fall by the wayside. The positive benefits of out-of-school programs are undeniable, so why wouldn’t we allow every child the chance to succeed financially in their future?

Video Credit: Financial Literacy: Mellody Hobson at TEDxMidWest via YouTube

 

Ad campaign empowers customers to Always embrace acting “Like a Girl”


What does it really mean to run “like a girl?”

As some 48 million viewers of a recent ad campaign by Always Feminine Products have seen, when the question was posed to teenage girls, they responded by flapping their arms, making wobbly strides and showing strained facial expressions. Yet when younger girls got the question, running like a girl suddenly meant running as fast as you can.

Always struck a nerve with the release of their new campaign by challenging the all-too-common notion that doing something “like a girl” constitutes an insult. The video also helped focus awareness on a larger issue: Once girls enter puberty their self-confidence plummets. In fact, according to an Always study, more than half of girls experienced this drop in confidence at the start of puberty; confidence also takes a significant hit at the start of middle school.

Through this campaign Always has become more than a  feminine products company. They have become an advocate for female empowerment — for, as their video highlights, girls entering puberty and beyond, their target lifetime consumer, urgently need guidance and support in breaking through harmful gender stereotypes and building a strong, confident sense of self.

Always, and Pantene, with their recent #ShineStrong campaign, are prime examples of effective advocacy marketing — an ongoing dedication to aligning the deeply held interests of a company’s consumer base with the organization’s core business strategies.

By taking up the issue of female empowerment, both Always and Pantene are signaling their interest in helping customers grapple with one of their most fundamental concerns. As Dove Soap’s “Campaign for Real Beauty” proved, when you adopt a long-term focus on issues your customers really care about, the impact can be both social and financial.

This year marked the 10-year anniversary of Dove’s Real Beauty campaign, dubbed one of modern marketing’s most talked about success stories by the Huffington Post. As of June 2013, the Dove Real Beauty Sketches ad was the most watched online ad ever, with 163 million global views, according to Unilever. The ad also topped the Cannes YouTube Ad Leaderboard and won the 2013 Titanium Grand Prix at the Cannes Lions International Festival of Creativity.

Dove’s decade-long commitment to tackling issues critical to their consumer base has challenged — and arguably altered — society’s preconceived notions of beauty. Research on the campaign’s tenure conducted by Harvard psychologist Nancy Etcoff found that, today, more women than before are defining “beauty” according to a broad range of qualities extending beyond physical appearance.

What’s more, Real Beauty is helping to build Dove’s bottom line. In the 10 years since the campaign launched, Dove sales have increased from $2.5 billion to $4 billion, according to a PR case study conducted by News Generation.

Will Always’ campaign help change the stereotype of what it means to do something “like a girl?” Only time will tell. But in the meantime, we believe that all companies focused on serving girls and women have an opportunity to understand even better — and communicate even more forcefully — what it takes to build and sustain the critical sense of empowerment that can make such a difference in the lives of their customers. No question that the need is there — and the bottom line will show it.

Video Credit: Always #LikeAGirl via You Tube

As impact investing gains traction, many investors now seeking their opportunity

“A movement is afoot.” –The U.S. National Board on Impact Investing (NAB)

That’s how the NAB – a group of leading investors, academics and organizations focused on US domestic policy for impact investing – recently characterized today’s growing flood of capital toward investments that generate beneficial social and environmental impact as well as financial return. It’s an investing sea change, as investors deploy the global markets to help “scale solutions to some of our most urgent problems,” the NAB wrote in a new report.

The concept of impact investing isn’t new – in fact, the NAB traces its roots back to private and public sector efforts beginning as long ago as the 1950s. But the potential for private capital to affect the public good today is drawing more attention than ever. What’s more, evidence is growing that it’s far more than a movement only for the deep-pocketed or socially conscious, with even “mainstream” individual investors actively looking to invest for impact. The investment trend is almost certainly gaining force from rising public focus on the effects of climate change: Witness only the 250,000 people who thronged the streets of Manhattan on September 21 calling for action as the United Nations prepared to convene its own climate summit.

Yet, market data also suggest that though interest is palpable and growing, many investors are still struggling for a way in.

The market’s growth is undeniable: A survey of major fund managers and investors by JP Morgan and the Global Impact Investing Network (GIIN), released earlier this year, found $46 billion in impact investments under management, up nearly 20% from the prior year. Impact investing as a genre remains modestly sized, relatively speaking; McKinsey estimates that such investments currently represent just 0.02% of the $210 trillion in global financial markets. Yet key players, among them the Monitor Group and the Rockefeller Foundation, believe the market could grow as much as 10 to 20 times within just a few years.

Principled support is helping drive the trend – a 2013 study by the World Economic Forum found that millennials consistently ranked impact performance as their primary investment criterion, ahead of return. At the same time – a 2010 survey of 4,000 investors by Hope Consulting found that just 12% had any experience with impact investments, even though almost half were interested in them. Similarly, in a survey (subscription required) of more than 1,200 investors we conducted with Allianz Global Investors, 85% said their advisor had yet to recommend an environment-related opportunity.

Advisors who answer the call can be confident that investing for impact can readily co-exist with a focus on return. Indeed, the World Economic Forum found that 79% of impact investors are targeting market rates of return. And a JP Morgan/GIIN survey of 125 large impact investors found that, for 91%, their investments were meeting or exceeding their financial expectations.

Impact investing is no flash in the pan – it is indeed a movement, with a sense of purpose, committed followers, and increasingly robust resources. Yet, according to the JP Morgan/GIIN study, impact investors cite “a shortage of high-quality investment opportunities with track record” as the market’s most limiting feature today. That suggests there’s a considerable opportunity to expand the market’s product set – and more widely communicate the genre’s powerful characteristics – for both managers who offer impact investments and advisors who can effectively counsel investors on how to use them. More and more, investors want to invest with impact front-and-center alongside other deeply felt goals – and it seems likely they’ll reward both providers and advisors who can show them the path.

–Jim Marren, President, Tiller, LLC