Ethico-Economics ™
NCFA, Inc. is a pioneering, minority-owned, and operated national independent registered full-service fee-only wealth management and investment advisory firm.
Bridging Ancient Wisdom and Modern Finance
Ethico-Economics™ is an innovative financial and economic system with roots stretching back over 4,000 years, drawing on the timeless ethical principles found in ancient religious and philosophical traditions. This comprehensive approach integrates moral guidelines derived from the three Abrahamic faiths—Judaism, Christianity, and Islam—with contemporary economic practices and cutting-edge financial technologies. Expanded and championed by Hakeem J. Webb, a veteran with over three decades of experience in global equity and debt markets, Ethico-Economics™ seeks to create a more equitable, sustainable, and morally grounded financial system.
Profits with Purpose: A New Model for Ethical Prosperity
It addresses the shortcomings of modern capitalism by prioritizing social justice, environmental stewardship, and ethical integrity alongside financial performance. In Mr. Webb’s professional assessment, honed through years of active market participation and observation, Ethico-Economics™ presents a viable and potentially superior alternative to traditional capitalist models. This system aims to harmonize profit-seeking with societal benefit, offering a path to economic prosperity that aligns with deeply held moral values and addresses pressing global challenges.
Redefining Finance: Ethics, Sustainability, and Global Impact
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Seven fundamental principles of Ethico-Economics™
Guide our faith-based investment philosophy
where we seek to buy stocks, bonds, real estate, or other assets for less than their intrinsic value. This means purchasing assets that appear to be undervalued by the market. We also use fund managers and ETFs with the same value-driven investment style.
We invest only in socially responsible and ethical ventures. Our rigorous screening process avoids industries that harm society or the environment, ensuring our portfolios reflect our values and contribute positively to the world.
We structure our financial transactions based on equitable profit and loss sharing. This approach ensures that risks and rewards are distributed fairly among all parties involved, fostering a sense of partnership and shared responsibility in our investments.
Drawing inspiration from the three Abrahamic faiths, we prohibit interest-based transactions (riba/usury) and instead promote equity-based financing. This approach aligns our practices with ethical financial principles and supports more stable economic structures.
We strongly emphasize fair wealth distribution and actively work towards reducing income inequality. We achieve this by encouraging:
- Zakat: One of the Five Pillars of Islam and refers to the obligatory act of giving a portion of one's wealth to those in need. It's a form of almsgiving and social welfare–to reduce inequality and support the less fortunate.
- Sadaqah: Voluntary charity given out of compassion, love, friendship, or generosity. Unlike obligatory Zakat, individuals may give Sadaqah optionally, anytime, and in any amount, supporting various social welfare programs to ensure our success benefits society broadly.
- Waqf: An Endowment. It involves donating a property or asset, the benefits of which are used for the community's welfare.
- Tithe: Traditionally, it is the obligatory act of giving for followers of the Judaism and Christianity branch of The Abrahamic faiths.
- Offering: Traditionally, it is the non-obligatory act of giving of the Judaism and Christianity branch of The Abrahamic faiths.
We uphold the highest standards of transparency and accountability in all our financial dealings. This builds trust, integrity, and credibility in our system and with our clients.
By adhering to these principles, we aim to realize four key benefits:
- Social Justice: Our approach promotes a more equitable distribution of wealth and resources, contributing to a fairer society.
- Economic Stability: Avoiding speculative and high-risk investments reduces the likelihood of financial crises and contributes to a more stable economic environment.
- Environmental Protection: Through our commitment to sustainable practices, we actively contribute to protecting the environment for future generations.
- Community Development: We support local communities through our ethical investments, promote social welfare programs, and foster growth and prosperity at the grassroots level.
EPI VERY CONSERVATIVE FUND
EQUITY | Percentage |
|---|---|
US CORE-EQUITY | 7% |
US MID-SM VALUE | 5% |
INT’L SM/MID VALUE | 4% |
US LARGE VALUE | 2% |
INT’L LARGE VALUE | 2% |
DIVERSIFIED EMERGING MARKETS | 0% |
SPECIALTY REAL-ESTATE | 0% |
Fixed Income | Percentage |
|---|---|
ULTRA SHORT BOND | 15% |
WORLD BOND | 15% |
US CORE INESTMENT GRADE BOND | 35% |
TIPS | 10% |
CASH OR CASH EQUIVALENT | 5% |