What EarthFolio does

EarthFolio is an online sustainable-investing robo-advisor platform operated by Blue Marble Investments, LLC, a Registered Investment Advisor founded in 2000 and headquartered at 1117 State Street in Santa Barbara, California. The platform provides automated ESG-screened portfolio management for US-based individual investors and foundations who want their portfolios aligned with environmental, social, and governance values. Users complete a structured questionnaire about goals, risk tolerance, age, and time horizon and receive a personalized portfolio recommendation; accounts can be opened entirely online in approximately 10 minutes through a PreciseFP/Jemstep-powered onboarding flow. The platform supports Individual, Joint, Trust, IRA, 401(k) Rollover, 403(b) Rollover, and SEP account types with a $25,000 minimum.

The underlying technology applies Modern Portfolio Theory to construct diversified portfolios holding 7 to 12 mutual funds and ETFs that span over 1,000 underlying individual stocks and bonds, screened across up to 10 proprietary ESG criteria including Conservation, Clean Tech, Equality & Diversity, Fair Labor, Non-Violence, Healthy Living, Human Rights, Animal Welfare, Corporate Governance, and Community Development. The platform offers automatic rebalancing and a specialized Fossil-Free portfolio option that fully excludes companies engaged in coal, oil, and gas exploration, production, or distribution. All client assets are custodied at Charles Schwab under SIPC protection, and the firm is registered with the SEC as an RIA.

The business model is asset-based: EarthFolio charges a single-tier 0.50% annual advisory fee on AUM, deducted quarterly, with no commissions, transaction fees, or load fees on underlying no-load or load-waived funds. An additional 0.25%-0.78% in underlying fund operating expenses applies. Accounts below the $25,000 minimum are subject to a $31.25 quarterly flat fee, and a $49.95 short-term redemption fee applies within the first 90 days. Go-to-market is primarily product-led through the self-serve website, supplemented by earned media coverage, content marketing, and optional access to licensed advisors via phone support Monday-Friday 9AM-5PM PST for investors seeking guidance.

Name

EarthFolio

Legal name

Blue Marble Investments, LLC

Website

https://earthfolio.net

Company type

Private

Founded year

2000

Operating status

Operating

Short description

EarthFolio is an ESG-focused online robo-advisor operated by Blue Marble Investments, LLC. It provides automated sustainable portfolio management, screening funds across 10 ESG criteria, for US individual investors and foundations at a 0.50% annual advisory fee with a $25,000 minimum.

Ownership category

akta.pro rank

Product category

Sustainable Investment Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

ESG/Sustainable Investment Advisory (FSAEAAAJ)

akta.pro secondary industry

Sustainable/Thematic Investing (Climate, Clean Tech, Water, Biodiversity) (FSAAALAB)

Keywords

• Sustainable investing
• ESG portfolio management
• Robo-advisor services
• Socially responsible investing
• Automated investment advisory

Headquarters

HQ city

Santa Barbara

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Advisory Fee (AUM-based): EarthFolio charges a 0.50% annual advisory fee calculated based on assets under management, deducted quarterly. This is the primary revenue stream, covering all portfolio management, monitoring, and rebalancing services. Additional revenue comes from embedded fund operating expenses (0.25%-0.78% annually) charged by underlying mutual funds.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

EarthFolio provides automated, ESG-screened investment advisory through an online platform. Investors complete a questionnaire about goals, risk tolerance, and time horizon to receive personalized portfolios constructed from sustainable mutual funds and ETFs evaluated against up to 10 environmental, social, and governance criteria. The service includes automatic rebalancing, optional fully fossil-fuel-free portfolios, custody at Charles Schwab, and access to licensed advisors by phone.

Product overview

EarthFolio is a single online sustainable investing platform (robo-advisor) that provides automated ESG-screened portfolio management. The core offering combines a questionnaire-based recommendation engine with automated portfolio construction using 10 ESG screening criteria. Users access the service through the EarthFolio Core Platform, which generates personalized portfolio recommendations that are then managed automatically with free rebalancing. The platform offers specialized Fossil-Free Portfolios as a sub-option for investors seeking to fully divest from coal, oil, and gas. Portfolios are constructed from an approved ecosystem of ESG funds including Brown Advisory, Calvert, Domini, iShares ESG, NuShares, Parnassus, Vanguard ESG, and Nuveen ESG products. Accounts can be Individual, Joint, Trust, IRA Rollover, 401(k)/403(b) Rollover, or SEP.

Differentiator

Problem solved

Functional benefit

Products and services

• EarthFolio Sustainable Investing Platform

Quantifiable outcome

• Sustainable funds (Vanguard FTSE Social Index) beat S&P 500 in 2019 (33.96% vs 31.49%), 2024 (26.01% vs 24.89%), and 2023 (31.78% vs 26.19%)

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Charles Schwab & Co., Inc. (Schwab)coreOthersSchwab serves as the independent custodian for all EarthFolio client assets. As one of the world's largest discount brokerage firms and SIPC member, Schwab provides asset protection up to $500,000 through SIPC and additional $600 million in excess SIPC coverage. EarthFolio maintains custody relationship with Schwab for client asset security and brokerage services.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Aspiration: A sustainable fintech offering 'Plant Your Account' fossil-free investing, retirement, and banking products marketed to environmentally conscious consumers. Directly comparable to EarthFolio in delivering values-aligned, fossil-free investment products to retail investors through an online platform.
• Ethic: A technology-driven ESG and impact investing platform offering personalized sustainable portfolios for individuals, advisors, and institutions. Comparable to EarthFolio in serving values-driven investors with customized, ESG-screened portfolio management, but with a more modern technology stack and institutional distribution.
• GreenAlpha Advisors: An independent Registered Investment Advisor that builds and manages customized sustainable, fossil-fuel-free portfolios for individuals and institutions. Highly comparable to EarthFolio as a small, pure-play ESG/SRI advisory built around exclusionary screens and values-aligned investing.
• OpenInvest (J.P. Morgan Private Bank): An ESG-aligned portfolio management and reporting platform acquired by J.P. Morgan Private Bank. Comparable to EarthFolio in delivering values-screened portfolios with custom ESG criteria, with stronger technology and now-distribution through a major incumbent.
• Swell Investing (Pacific Life): An impact-investing robo-advisor that curated portfolios aligned with themes like clean water, renewable energy, and zero waste. Closely comparable to EarthFolio's thematic ESG approach, though Swell now operates under Pacific Life following its acquisition.

Broad incumbents

• Wealthfront: A leading robo-advisor offering automated portfolio management with an SRI portfolio option. Comparable to EarthFolio in the automated, low-fee advisory category, but with much larger scale, no account minimum, and ESG presented as one of many portfolio types.
• Betterment: One of the largest independent robo-advisors offering diversified portfolios with an optional socially responsible investing (SRI) portfolio. Comparable to EarthFolio as a digital advisor serving retail investors, but operates at vastly larger scale and with ESG as one option rather than the exclusive focus.
• Vanguard Personal Advisor / Vanguard Digital Advisor: Vanguard's hybrid and automated advisory services that offer socially responsible portfolio options using Vanguard's own ESG ETFs. Comparable to EarthFolio as a low-cost ESG-aware advisor, with vastly larger scale and the lowest cost of capital in the industry.
• Schwab Intelligent Portfolios: Charles Schwab's robo-advisor offering automated ETF-based portfolios including an ESG-focused option. Notably comparable through the shared Schwab custody relationship, but with the incumbent's scale, brand, and ESG as a portfolio option rather than the exclusive thesis.

Emerging players

• Ellevest: A digital wealth management platform with a focus on women investors that incorporates ESG and impact investing into its portfolios. Comparable to EarthFolio in offering values-aligned automated investing to retail investors, but with a different target-audience specialization and broader product set.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EarthFolio