The fossil-fuel-dominated energy sector has been crushed over the past five years and is down almost 20% this year, while the broad market is up around 10%.

Imagine that your friend, a heavy smoker, tells you, “I’m finally going to live a healthy lifestyle. I’m cutting down to one pack a day instead of two.” You would probably look at your friend as if he or she had two heads.

If you are investing for the long term (i.e., the next ten years or more), you should divest. Fossil fuel companies are sinking ships, and you don’t want to be the last person on the Titanic.

I’m starting Impact Fiduciary, a wealth management firm that reflects my values and answers a simple but powerful question. What would I want if I were the client? I’ve outlined why I decided to take this path and start this new adventure.