Montcalm Approach

Settle on Stability, Support, and Sustainability with Montcalm.

Stability

At Montcalm, we focus your portfolio strategy on capital preservation and reliable growth so you can know your money will be there when you need it.

Our approach is fundamentally unique, due to the exceptional background of Holly Ruxin, Montcalm Founder & CEO. Before coming to wealth management, Holly spent decades in the largest Wall Street firms, where working in institutional fixed income derivatives gave her a deep and broad understanding of finance fundamentals, including an expert understanding of the workings of risk, securities, cash, and capital flow. Holly is a deeply trained risk manager. With this perspective, she discerns how to construct portfolios from a wider and more grounded set of investment principles and products than most wealth managers can access for their clients.

Portfolio Strategy

When building out your portfolio, we focus on:

Transparency

The factors that affect the value of each investment are understood, can be tracked, and are somewhat predictable.

Diversification

The factors that affect the value of each investment are different, so that when the value of one changes, the whole portfolio stays relatively stable.

Sustainability

The value of the portfolio is relatively consistent over time and grows steadily.

And every investment is good for the planet.

Investments

Support

“Our approach to wealth generation supports clients in their personal growth around money. We believe combining this work with expert investing and positive impact is the formula to abundance and renewal.”

– Holly Ruxin, Founder & CEO

Money Clarity Education

Our decades of work helping people manage their money has shown us that understanding your personal relationship with money is just as important as intelligent investing.

This combination of inner and outer money work is a magic formula to all forms of abundance in your life.

With that in mind, Holly Ruxin offers personalized, one-on-one coaching and inner money work. This process helps people engage more meaningfully with their money.

Learn more

4 Financial Clarity Questions

Our decades of work helping people manage their money has shown us that understanding your personal relationship with money is just as important as intelligent investing. We work with our simple, powerful questions to bring you clarity and empowerment.

What do I
Own?
What do I
Earn?
What do I
Owe?
What do I
Need?

Sustainability

At Montcalm, we require Sustainability from every perspective:

Clients

Personal long-term security for our clients and their families is where our work begins.

Community

All stakeholders must benefit from any investment. We require the highest level of transparency and integrity for our investment offerings.

Planet

Investments that are healthy for people and the planet make the most financial sense from a long-term risk perspective.

In 2022, an independent analysis found that 70% of Montcalm’s assets were invested with verifiable positive impact, a finding we are very proud of, and aim to increase. 94% of our impact investments are actively creating solutions, in contrast with many other impact investors who seek to passively avoid harm. Our unique barbell strategy of bonds and private funds enables us to create this active impact. We are Value Investors – we believe investments that are creating value for people and planet will ultimately perform the best. Investing in positive impact is just good investing.

Montcalm Impact Areas

All Montcalm investments, and therefore all of the investments in your portfolio, address one or more of these global challenges. Our clients have transparency into what their money is doing in the world.

Community Development

Economic participation that lifts up marginalized communities

Environment

Preservation of natural resources and ecosystems

Clean Energy

Expansion of renewable clean energy or reducing GHG emissions

Social Equality

Provide loans to early-stage venture capital-backed private companies. These are shorter term loans to riskier companies, with a correspondingly higher interest rate.

Health & Wellness
Provide short term loans to companies in emerging markets.
Education

These funds remain open to investment over the life of the fund, with an indefinite maturity date. There are defined periodic liquidity cycles for the investor. Investments from the fund can be debt or equity.

Montcalm is a woman-founded, woman-run firm, and at least 50% of our clients are women. We bring valuable perspective that is largely missing in the fields of wealth management and finance. We provide accessibility for many who have felt unable to connect to the finance industry.

Stability

At Montcalm, we focus your portfolio strategy on capital preservation and reliable growth so you can know your money will be there when you need it.

Our approach is fundamentally unique, due to the exceptional background of Holly Ruxin, Montcalm Founder & CEO. Before coming to wealth management, Holly spent decades in the largest Wall Street firms, where working in institutional fixed income derivatives gave her a deep and broad understanding of finance fundamentals, including an expert understanding of the workings of risk, securities, cash, and capital flow. Holly is a deeply trained risk manager. With this perspective, she discerns how to construct portfolios from a wider and more grounded set of investment principles and products than most wealth managers can access for their clients.

Portfolio Strategy

When building out your portfolio, we focus on:

Transparency

The factors that affect the value of each investment are understood, can be tracked, and are somewhat predictable.

Diversification

The factors that affect the value of each investment are different, so that when the value of one changes, the whole portfolio stays relatively stable.

Sustainability

The value of the portfolio is relatively consistent over time and grows steadily.

And every investment is good for the planet.

Investments

Support

“Our approach to wealth generation supports clients in their personal growth around money. We believe combining this work with expert investing and positive impact is the formula to abundance and renewal.”

– Holly Ruxin, Founder & CEO

Money Clarity Education

Our decades of work helping people manage their money has shown us that understanding your personal relationship with money is just as important as intelligent investing.

This combination of inner and outer money work is a magic formula to all forms of abundance in your life.

With that in mind, Holly Ruxin offers personalized, one-on-one coaching and inner money work. This process helps people engage more meaningfully with their money.

Learn more

4 Financial Clarity Questions

Our decades of work helping people manage their money has shown us that understanding your personal relationship with money is just as important as intelligent investing. We work with our simple, powerful questions to bring you clarity and empowerment.

What do I
Own?
What do I
Earn?
What do I
Owe?
What do I
Need?

Sustainability

At Montcalm, we require Sustainability from every perspective:

Clients

Personal long-term security for our clients and their families is where our work begins.

Community

All stakeholders must benefit from any investment. We require the highest level of transparency and integrity for our investment offerings.

Planet

Investments that are healthy for people and the planet make the most financial sense from a long-term risk perspective.

In 2022, an independent analysis found that 70% of Montcalm’s assets were invested with verifiable positive impact, a finding we are very proud of, and aim to increase. 94% of our impact investments are actively creating solutions, in contrast with many other impact investors who seek to passively avoid harm. Our unique barbell strategy of bonds and private funds enables us to create this active impact. We are Value Investors – we believe investments that are creating value for people and planet will ultimately perform the best. Investing in positive impact is just good investing.

Montcalm Impact Areas

All Montcalm investments, and therefore all of the investments in your portfolio, address one or more of these global challenges. Our clients have transparency into what their money is doing in the world.

Community Development

Economic participation that lifts up marginalized communities

Environment

Preservation of natural resources and ecosystems

Clean Energy

Expansion of renewable clean energy or reducing GHG emissions

Social Equality

Provide loans to early-stage venture capital-backed private companies. These are shorter term loans to riskier companies, with a correspondingly higher interest rate.

Health & Wellness
Provide short term loans to companies in emerging markets.
Education

These funds remain open to investment over the life of the fund, with an indefinite maturity date. There are defined periodic liquidity cycles for the investor. Investments from the fund can be debt or equity.

Montcalm is a woman-founded, woman-run firm, and at least 50% of our clients are women. We bring valuable perspective that is largely missing in the fields of wealth management and finance. We provide accessibility for many who have felt unable to connect to the finance industry.
Empowerment comes from being informed and then from being engaged and stepping up to the table.
- Holly Ruxin
“Future of women’s empowerment” on future of xyz podcast, march 11 2021

Montcalm theory of change

We believe there are plenty of resources in the world for all beings to thrive.

We seek to create systems that flow the world’s abundant capital to where it is needed. As such, innovation in capital flow is a transformative impact.

We believe we live in an abundant universe, and money is a powerful force for healing. Helping people engage with their money will enable blocked money to move and create value in the world.

Montcalm is proud to have been a certified B Corporation from our earliest days. Certified B Corporations are businesses that meet the highest standards of social and environmental performance, public transparency, and legal accountability to balance profit and purpose. The B Corporation intention of changing culture globally, to create inclusive and sustainable business practices and financial systems, resonates deeply with Montcalm’s roots.
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DISCLAIMER
This report does not constitute a recommendation of, and offer to sell, or the solicitation of an offer to buy any particular security, strategy or investment product. Any information here is obtained from what are considered reliable sources; however, its delivery does not warrant that the information contained is correct. This report is for informational purposes only and should not be construed as investment advice. Our views and opinions expressed in this report are current as of the date of this report and are subject to change. Past performance is not indicative of future results. Any reproduction or other distribution of this material in whole or in part without the prior written consent of Montcalm TCR LLC is prohibited.

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