Carbon Collective's custodial bank is SIPC insured, and we personally promise to transition all members out in the event of a company closure.
We keep ~2% of all portfolios in cash. All cash in your accounts is FDIC insured. Your stocks and bonds are SIPC insured, which protects against insolvency, but not lost value of your investments.
If Carbon Collective were to go out of business, the worst case scenario is you will experience a mild hassle as we help transfer your account to a new custodian. You will still own your stocks and bonds, even if we aren’t able to continue managing them. Learn more about our Transfer Guarantee.