Michael Kramer - Natural Investments, LLC

Michael Kramer, Managing Partner of Natural Investments LLC (NI), is an Accredited Investment Fiduciary and the only investment advisor in Hawai`i to exclusively provide socially responsible investment (SRI) advisory services. Serving a select number of individual, non-profit, foundation, family office and business investors nationwide, Michael uses his understanding of their unique characteristics and needs to develop a customized investment program which suits their financial and social goals. Michael is also the NI Director of Social Research, through which he maintains the NI Social Rating , the industry's sole social rating system which assesses the breadth and depth of social criteria employed by the nation's major SRI mutual funds. Natural Investments LLC maintains its own managed asset programs according to varied risk levels. Michael uses the following tools to fulfill clients' needs: Mutual Funds; Retirement Plans; Financial Planning; Education Savings Plans; Individual "Green" Stocks; Fiduciary Audits; Separate Accounts. Natural Investments LLC is also the subadvisor to the McCabe Natural Investments SRI Insurance Fund, the first SRI private placement life insurance product in the United States, offered by Prudential.