Frequently Asked Questions
Firm Structure & Client Services
Who are the founders of Harbor Ridge Investments?
Harbor Ridge was co-founded by Jason Britton and Betsy Moszeter, two experienced leaders from top-tier institutions with a shared background in rigorous financial analysis and a commitment to pioneering values-aligned strategies.
What is Harbor Ridge Investments’ corporate structure?
Harbor Ridge is an LLC registered in the State of South Carolina. As a women-led and majority woman-owned firm, Harbor Ridge embodies the very ethos of forward-thinking impact investing.
Is Harbor Ridge held to a fiduciary standard?
Yes. Harbor Ridge is a specialty division of Reflection Asset Management, which is an investment advisor registered with the U.S. Securities & Exchange Commission (U.S. SEC.). As a registered investment advisor, we are held to a fiduciary standard, meaning we are legally and ethically obligated to put your best interests ahead of our own at all times.
What type of clients does Harbor Ridge serve?
While our process and portfolios are institutional-quality, our services are designed for individuals, families, foundations, and institutions seeking transparent, and values-aligned investment solutions that produce strong results without excess performance volatility.
What is the minimum account size for investing with Harbor Ridge?
Accounts typically start with a minimum of at least $100,000.
Investment Philosophy & Process
What is Harbor Ridge Investments' core philosophy?
Our core philosophy is that investors should never have to compromise on financial performance or tolerate excess volatility to align their portfolios with their deepest personal values and hopes for a better future. We reject the notion that impact investing is a niche or a sacrifice; instead, we believe it is the only path to superior, sustainable returns in the evolving global economy.
How does your approach differ from traditional ESG investing?
Traditional ESG (Environmental, Social, Governance) investing often relies on generic, third-party data to apply simple screens or add-ons to conventional portfolios. This is inadequate. Harbor Ridge integrates impact analysis from the ground up using the proprietary SEE Methodology. This method provides a deep, comprehensive, and quantifiable assessment:
S - Stakeholders: Evaluating impact on employees, customers, and communities.
E - Environment: Assessing ecological footprint and climate action.
E - Ethos: Analyzing culture, governance, and ethical integrity.
This rigor ensures our portfolios are genuinely conviction-driven and not just minimally compliant.
Can I achieve strong financial returns with a values-aligned portfolio?
Yes. Our entire investment process is designed to deliver institutional-quality financial returns alongside genuine impact. By identifying the elite companies that are actively providing solutions for a sustainable and equitable future—and by avoiding those that represent systemic risk—we seek to capture long-term performance while mitigating excess market volatility.
What is the "Rigorous Selection Process"?
Our selection process is a distinct, multi-stage funnel:
Impact Vetting: We first assess up to 6,500 companies against 70 Key Performance Indicators (KPIs) using the SEE Methodology. This ensures that ethical and sustainability questions are prioritized.
Financial Deep Dive: Only the select companies that pass our rigorous impact assessment move on to traditional financial analysis, where we conduct a deep dive into historical results and future expectations to confirm they are a sound investment.
How is the final portfolio constructed?
Companies that successfully pass both stages are fed into our proprietary portfolio optimizer. This system strategically assigns position weights and sector tilts to construct diversified portfolios designed to actively seek optimal performance and impact while maintaining targeted volatility levels.
How often do you review or rebalance portfolios?
We follow a disciplined quarterly rebalancing schedule. This systematic process incorporates the latest company performance, market intelligence, and impact data into every client's holdings, ensuring the portfolio remains aligned with its dual goals of financial return and positive impact