John Higgins

Operates as a bank holding company whose subsidiaries provides banking services

Provides investment advice

Spinnaker Trust designs strategic asset allocations that align with the client’s situation. They maintain a particular expertise in the management of private investment funds investing in commercial real estate properties, having successfully managed several dedicated funds on behalf of clients. The firm also employs extensive expertise in private equity, renewable energy and other specialized investments on behalf of clients. Across all of their strategies, they bring consideration of Environmental, Social and Governance (ESG) factors into play with a particular emphasis on sustainability as a key risk factor.

Provides online research and ratings on environmental, social and governance

Provides wealth management services

Functions as a College/University

Operates as a holding company with interest in providing online corporate governance rating services

Provides personal and commercial banking services

Ram Investment Advisors employs a systematic approach to differentiate the best governed companies from the worst and uses this knowledge in identify superior investment opportunities. The firm constructs both long/short equity portfolios and long-only portfolios that incorporate environmental, social and governance (ESG) factors, with the added benefit of our accounting and market-implied analytics, which they call ESG+. Their Absolute Return strategy focuses on the highly liquid US equity markets. Ram Investment Advisors takes long and short positions in a manner designed to deliver returns similar to traditional long-term equity market investments, while assuming a substantially lower risk profile than the equity market as a whole. Portfolios are comprised of long positions in well-governed companies that are in the process of having their better governance discovered by the market in the near and medium term, and short positions in poorly governed companies that present a risk to investors which is not fully appreciated by the market today. The firm's Long-Only ESG+ strategy incorporates ESG factors with their accounting and market-implied analytics. This strategy also focuses on the highly liquid US equity markets. Ram Investment Advisors takes only long positions in a manner designed to deliver returns in excess of broad equity indices, while generally assuming a risk profile equal to or below the equity market as a whole. They target returns with a more positive asymmetry than the general equity market along with reduced correlations to broad US equity indices. Portfolios are comprised of long positions in well-governed companies that the firm expects to outperform the market over medium to long periods of time.