Archive Of The Category ‘Insights‘


New Montcalm Offering: Donor-Advised Funds!


Montcalm Donor Fund

You can now open your own Donor-Advised Fund (DAF) through the Montcalm Donor Fund!

DAFs are the fastest-growing charitable vehicle in the country, and for good reason: DAFs are the most powerful vehicle in philanthropy today. There are half a million DAFs in the U.S., comprising $110 billion in assets earmarked for charity.

Think of a DAF as a charitable expense account. Some common scenarios under which you might benefit from opening up a DAF:

  1. You’ve had a tax event this year (your company went IPO, you sold your company, or you’re otherwise facing a large tax bill). A large charitable donation can reduce your tax liability now, while a DAF allows you to spread your charitable giving out over time to your charities of choice. In fact, there are no minimum giving or timeline requirements for charitable grants from a DAF, even though you get the full tax deduction immediately.
  2. You want to support charity without writing a check. In addition to cash, you can open up a DAF account with appreciated stocks, saving on capital gains taxes and increasing the amount that ultimately goes to charity. In fact, you can open up a DAF with anything that can be valued, including art, cars, real estate, bonds and even cryptocurrency.
  3. You’ve been thinking about starting up a private foundation, but you don’t want to deal with the legal and administrative burdens of setting one up and managing it. DAFs offer many of the same benefits of having a private foundation, but without the cumbersome administration process or expenses. And, you can open up a Montcalm DAF with a minimum gift of only $25,000.


With a Montcalm DAF, you can:

  1. Maximize your charitable impact. Through our sponsoring organization partner, SDG Impact Fund, you’ll be expertly advised on the most impactful NGOs anywhere in the world, accelerating progress towards achieving the UN’s 17 global SDGs (Sustainable Development Goals). Of course, if you already have your charities of choice identified, you can always make recommendations as to where to grant your DAF funds.
  2. Maximize your impact before you grant out the assets. Even before you start making grant recommendations, you can create immediate social value with your DAF assets. Montcalm will provide your DAF with exclusive access to impact investments in social enterprises addressing the world’s most pressing environmental and social problems, potentially growing the value of your DAF account so you can grant more money to charity in the future. As with every Montcalm offering, your options for investing assets will be values-aligned.


Interested in learning more? Contact Alisa Tantraphol, Head of Philanthropic Strategy, at info [at] montcalmdaf [dot] org. We’re excited to help you craft the charitable giving plan that’s perfect for you!


The Montcalm Donor Fund is a component of the SDG Impact Fund, (Tax ID# 46-2368538). The SDG Impact Fund, Inc, headquartered at 475 E. Main Street #154 Cartersville, GA 30121 is a public charity as described in the Internal Revenue Code Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi).  All money and property transferred to Montcalm Donor Fund shall be an irrevocable gift to the charity.

Donor Advised Funds Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value.

Always consult with your independent attorney, tax advisor, and investment manager for recommendations and before changing or implementing any financial, tax, or estate planning strategy.

An Interview with Dave Cooper

Social Venture Circle sat down with Dave Cooper to talk about investment philosophy, investing in companies using debt instead of equity, and why VC Money is not the only funding available (contrary to popular belief). Read on to learn more from Dave about what other funding options are available for mission-driven companies.

The complete interview is here.


heart leadership

Authenticity and integrity, values which emanate from the heart, form the foundation of how I lead. This is quite different from the reigning value system in finance, created from a place where the head is dominant. When the head dominates, we tend to get a system based on maximization of profit with less consideration of the costs to individuals, society and the planet. When the heart leads, we get a holistic system where everyone prospers.

Many studies have demonstrated that human beings have three brains: the head, the heart and the gut. In Western civilization we focus on the head, because somewhere along the way we decided that was the most important. But actually our heart and gut are very smart brains, and when we follow them, we can be a lot more grounded in our decisions. I believe the head exists to serve the heart and gut. And this is exactly how I have built the businesses at Montcalm TCR, Montcalm Capital and Trevor TCR. I use my investment training to ensure my decisions are financially sound, but they are grounded in deep intuition.

I spent 20 years of my career on Wall Street leading from the head. I learned money leads, power leads and resume leads. And I was trained to be good at it.

When the markets declined in 2008 and my son become severely disabled, I began to deeply question both my own values and the values of the larger system. I certainly was never dishonest before, but I had been taught that money matters above all else. After personal exploration and asking many questions, what surfaced for me was a model of leadership that resonated for me and the birth of my own wealth management firm centered on the heart.

I opened Montcalm to give, not extract. We generate trust in financial systems because we are designed to be of service. I wanted to create something founded on a different set of values that would provide investors with diversified investment options, offer companies healthier sources of capital and regenerate our planet in the process.

On the wealth management side of my business, we engage with every client in a personalized way to understand their values and motivations and build investment portfolios that reflect their hearts and financial needs. On the capital side of my business, my cofounder and I co-create investment vehicles that serve a dual purpose as a customized capital source for each portfolio company and as a solid investment choice that balances risk, reward and accessibility for investors. And through our foundation, Trevor TCR, we invest in society through grants to organizations that meet the needs of the underserved. When you give, you connect to the flow of abundance.

My goal in finance is to reengineer the financial system to one where everyone leads from the heart. We can do that by empowering people with their money, moving them out of a mentality of fear and into abundance. That is what will really shift humanity. And at Montcalm, we are doing our part to lead by example.

Photo credit: Photo by Khadeeja Yasser on Unsplash


In 2008, two significant events changed the course of my life. Capital markets, where I worked for 20 years, started falling apart – and my five-year-old son stopped talking and walking.

I have loved capital markets since my first internship on a currency trading desk in London, which led me to become a fixed income derivatives sales trader at Goldman Sachs. When the markets fell apart in 2008, my experience in capital markets helped me to understand that we were on a financial precipice. The financial system was in fact a house of cards and it was coming down due to many poor decisions that were mostly predicated on money and power.

Read more here.


Read as David Cooper describes the personal and financial journey that led him to partner with Holly Ruxin and co-found Montcalm Capital:

Growing up, I didn’t have a lot. My mom was a teen when she gave birth to me and had not yet finished high school. My youth was spent largely on my own as a latchkey kid since my young, single mom was always working to support us. I’ve always had to be resourceful from a young age in everything I did, like working nights and weekends to put myself through college. The scrappiness and sense of responsibility that pervaded my youth is intimately connected to what I later discovered was my life’s purpose: getting capital into the hands of impactful companies, often overlooked by mainstream investors, in order to shift the status quo to build a better world. I’m passionate about moving the world from an old economy model, based on extraction, power and self-interest to a new one where the core values are well-being and abundance for all.

Read more here.

The Sustainable Finance Podcast: Introducing the Montcalm Capital Fund

We are delighted to present Holly’s most recent podcast introducing Montcalm Capital and the launch of its first fund.

“Montcalm Capital introduces an investment that provides regenerative environmental impact and building blocks for a circular economy. We are building a new socio-economic model: how society interacts with capital flow can allow us to get resources to amazing companies doing amazing work.”

Listen as Holly discusses the global financial movement that Montcalm is building and explains Montcalm Capital’s new role at the forefront of financial innovation.

Interview with SCN Corporate Connect

Holly talks sustainable investing with Gregg Greenberg of Small Cap Nation

Terri Mead podcast “Piloting Your Life”

Episode 45 – Holly Ruxin explains her journey to creating a wealth management company that invests in alignment with values

Rethinking How Capitals Flow: Creating Sustainability

As a panelist, Holly shares her thoughts at the Quantum Impact and Digital Frontier Collaboratory in NYC, hosted by Thomson Reuters and Fifth Element Group.

Keynote: An Elegant New Business Model

Innovative Ways to Finance an Evolving World