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Please enter the email address you used when registering.

Invalid email
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while validating your email address. Please try again.

Email sent

Please check your email for password reset instructions.

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

An error occurred while processing your request. Please try again later.

An error occurred while processing your request. Please try again later.

Two-step verification

In order to change your password, we need to verify your identity. We have sent an authorization code to the email address on file.

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Two-step verification

Enter the 6-digit code sent to your email

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Please create a new password

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.
  • Must be at least 9 characters long
  • Must have at least one capital letter
  • Must have a number
  • Must have a special character
  • Cannot contain any characters that repeat more than twice
  • New passwords fields must match

An error occurred while processing your request. Please try again later.

An error occurred while processing your request. Please try again later.

Password successfully reset.

Two-step verification

In order to change your phone number, we need to verify your identity. We’ll send an authorization code to your email on file

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Please enter you new phone number

Invalid number
Invalid country code
Number is too short
Number is too long
Invalid number
Invalid number
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while registering your account. Please try again.

Your account phone number has been changed successfully

That email address is already associated with an account.

Enter your password to login.

Invalid email
Invalid email
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.
Forgot password?

Two-step verification

To verify your identity, we need to send an authorization code to the email address on file.

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Two-step verification

Enter the 6-digit code sent to your email

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.
Resend the email

Confirmed.
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An error occurred while processing your request. Please try again later.

Please enter a valid phone number.

We need a phone number to keep your account secure. We'll send you a code to validate your phone number right now.

Invalid number
Invalid country code
Number is too short
Number is too long
Invalid number
Invalid number

Forgot your password?

Please enter the email address you used when registering.

Invalid email
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while validating your email address. Please try again.

Email sent

Please check your email for password reset instructions.

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

An error occurred while processing your request. Please try again later.

An error occurred while processing your request. Please try again later.

Two-step verification

In order to change your password, we need to verify your identity. We have sent an authorization code to the email address on file.

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Two-step verification

Enter the 6-digit code sent to your email

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Please create a new password

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.
  • Must be at least 9 characters long
  • Must have at least one capital letter
  • Must have a number
  • Must have a special character
  • Cannot contain any characters that repeat more than twice
  • New passwords fields must match

An error occurred while processing your request. Please try again later.

An error occurred while processing your request. Please try again later.

Password successfully reset.

Two-step verification

In order to change your phone number, we need to verify your identity. We’ll send an authorization code to your email on file

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Please enter you new phone number

Invalid number
Invalid country code
Number is too short
Number is too long
Invalid number
Invalid number
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while registering your account. Please try again.

Your account phone number has been changed successfully

Enter your email address

Invalid email
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while validating your email address. Please try again.
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First name is required
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Firm is required
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Role is required
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Number is too short
Number is too long
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Passwords do not match
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while registering your account. Please try again.

Confirm your email address

We have sent an email to {0}. Click the link in the email to finish setting up your dashboard

An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later.

Forgot your password?

Please enter the email address you used when registering.

Invalid email
An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Your account has been temporarily locked because of too many failed login attempts. Please try again later. The code entered has expired. Please request a new code to continue. The code entered is not valid. Please request a new code to continue. Email address format is not valid. Your account has not been verified. Please check your email for instructions on how to verify your credentials. Your account has been disabled. An error occurred while processing your request. Please try again later. That user does not exist. This account has reached its limit for daily password resets. Please try again in 24 hours. Password does not meet password strength requirements. Please try again. That password was recently used. Please enter a new one. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. The account information you provided does not match our records. This account is not authorized to perform the request you've initiated. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. An error occurred while processing your request. Please try again later. Password does not meet password strength requirements. Please try again. An error occurred while processing your request. Please try again later. An error occurred while validating your email address. Please try again.

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High-integrity carbon benefits: our carbon principles

We present a credible, high-integrity, climate benefit methodology.

An overwhelming majority of nations have adopted the goal of the Paris Agreement to limit the rise in global temperatures to well below 2˚C, and ideally to less than 1.5˚C, compared with preindustrial levels. Now, ever greater numbers of countries, regions, cities, and companies are making net zero commitments—even while their paths to this transition may remain unclear. The increasing urgency of the climate crisis has highlighted the vital role of natural climate solutions (NCS) in advancing these carbon commitments, but to realize the maximum potential of NCS projects, there must be trust and credibility in carbon markets. We examine the vital importance of high-integrity carbon credits and how our carbon principles can help ensure our management practices result in tangible climate benefits for the world and durable carbon value for our investors.  

Net zero—the private sector’s response

Many companies that have made net zero commitments don’t have a definitive framework for achieving those goals, but clearer parameters are emerging. The latest guidance available from the Science Based Targets initiative (SBTi) lays out sector-specific methodologies, frameworks, and requirements to help companies from different industries set science-based net zero targets that will help their progress toward net zero by 2050. 

As of March 2022, more than 2,000 companies in 50 sectors are working with the SBTi to set science-based targets aligned with these criteria. Included in the recommendations after companies initially focus on direct abatement activities are the use of carbon insets or offsets, and these, in turn, rely on effective carbon markets. Further, global consultancy McKinsey has also suggested that companies will need to “define, execute and evolve decarbonization and offsetting plans” in order to achieve the net zero transition by 2050.

Carbon markets have evolved over the last two decades to place an increasing focus on standards and management practices, and scrutiny has become increasingly rigorous. Given the increased demand and focus on carbon markets, more precise analyses and supporting evidence of tangible sequestration benefits should help to strengthen carbon credit quality and transparency going forward.

SBTi guidance

Companies should:

Prioritize direct abatement in their own operations and supply chains

Recognize a tail (~5%–10%) of corporate emissions will likely be too difficult or costly to abate with current technologies

Consider carbon offsets or insets—sequestration embedded within a company’s supply chain or investment portfolio, including NCS—that can serve to neutralize remaining emissions, with a focus on removals

Go above and beyond net zero targets to benefit the planet and not count carbon credits toward net zero goals

Source: Science Based Targets initiative (SBTi) guidance, as of March 2022.

The forestry NCS opportunity

A range of drivers is emerging that should further support forestry as a viable, scalable, and investable NCS opportunity.

Factors driving the opportunity for forestry as a natural climate solution

A table describing factors of the forestry NCS opportunity, which are global prioritization, increased carbon market participation, and increased demand for high-quality carbon credits.
For illustrative purposes only.

Why NCS are critical to meeting the challenge

Climate change may be the most far-reaching, consequential crisis that humanity has ever faced, and NCS are critical to climate change mitigation. In essence, these solutions depend on using nature’s own climate benefits to address the global warming imperative. Plants and soils in terrestrial ecosystems currently absorb approximately 20% of human-derived greenhouse gas emissions (GHG). Harnessing this capability represents 37% of the opportunity to cost-effectively sequester carbon, which is what’s needed by 2030 to keep global warming below 2˚C. While all avenues for addressing climate change should be explored, NCS offer proven, economic, scalable solutions that are available now.

“Private sector investment in NCS could be a transformative part of our transition to a world in which more than nine billion people can live well, within planetary boundaries.”

—Claire O'Neill, Co-Chair, WBCSD Imperatives Advisory Board

 

Trees are our most advanced existing technology for removing carbon from the atmosphere; they've had millions of years of evolution to master this critical process. Forest pathways offer over two-thirds of cost-effective NCS mitigation and about half of the low-cost mitigation opportunities needed to hold warming to below 2˚C. In addition to sequestering carbon, forests protect against erosion, provide wildlife habitats, and offer other ecosystem services such as providing clean water and recreational opportunities, and building with timber can reduce GHG emissions by 34% to 84% compared to concrete and steel due to lighter transportation and fewer manufacturing-related emissions.

As with forestry, several strategies can position agriculture as effective NCS, including agroforestry—the intentional blending of trees and shrubs with farmland and avoided grassland conversion—which could prevent the release of 35 million tonnes of carbon dioxide (CO2) equivalent per year. Regenerative agriculture—the enrichment of soil health from farming practices, including reducing or restricting tillage, planting cover crops, and using organic fertilizers—and other agriculture and grasslands pathways could contribute one-fifth of the total NCS mitigation needed to align with Paris Agreement climate goals and one-quarter of low-cost NCS opportunities. To date, despite agriculture’s enormous potential for contributing toward the carbon sequestration goals sought by investors, progress toward universally agreed-on standards and consistent, affordable measurement approaches for soil carbon is much less developed than for forest carbon. However, we’re confident that the continued development of natural capital accounting, new technologies, and new applications of existing science and monitoring techniques will help deliver on agriculture’s nature-based sequestration potential.

Investing in land-based assets such as timberland and farmland can help investors naturally reduce carbon emissions in their investment portfolios while providing additional beneficial social and ecological impacts and generating competitive financial returns. As the world’s largest timberland investment manager for institutional investors,1 and the second-largest agriculture investor,2 our experience, size, and scale allow us to access a wider array of markets with reduced operating risk. Our experience has honed our ability to drive additional ecological, social, and financial value on behalf of our investors through other value-added strategies such as recreation and renewable energy leases in addition to conservation activities and carbon projects. 

Carbon credits gain attention as a pathway for corporate climate action

Driven by the surge of net zero commitments, companies and investors are increasingly looking to carbon markets as a transitional tool for achieving their climate goals. Voluntary carbon offset demand is expected to increase by a factor of up to 100 times by 2050, driven by the increase in corporate net zero commitments, which, in turn, is likely to drive carbon offset prices higher. While a ton of CO2 is a ton of CO2, the underlying projects that claim to sequester these benefits, and the protocols they employ, vary in their rigor and credibility.

Increasing demand and attention are helping the market to move toward greater transparency and standardization. As measurement practices continue to evolve and as more and more investors and companies begin to explicitly value carbon sequestration and other ecosystem services, we believe that carbon will become a more integrated value driver of timberland and agriculture.

These factors are creating the opportunity for new timberland investment strategies that are focused on climate change with co-benefits and carbon value that build on sustainable management practices. Many of the properties we manage have demonstrated the opportunity to develop carbon offsets and insets that can help clients meet climate goals and generate incremental revenue.

If carbon offsets are part of the climate transition story and a potential investment opportunity, carbon insets may be an even more long-lasting piece in the puzzle toward solving the climate crisis. Carbon insets involve carbon sequestration within a company’s value chain or investment portfolio and, as with offsets, are best positioned to neutralize a company’s or investor’s emissions after they’ve taken steps to abate emissions in their own operations.

They can also offer several additional benefits. Carbon insets generated by high-integrity projects potentially offer attractive features; durable, long-term supplies of high-quality carbon sequestration; limited exposure to the volatility of carbon offset markets; and investment in moderate yielding, low volatility, underlying land-based assets, as opposed to recurring liabilities arising from having to purchase carbon offsets. In both cases, sustainable forestry and agriculture can play a significant role, presenting opportunities for investors. 

Carbon insets offer several advantages

Carbon insets:

Can be developed through third-party verification protocols that support high-integrity sequestration through additionality, permanence, and other best practices

Offer companies and investors the potential benefits of owning productive carbon inset-producing assets such as timberland or agriculture properties, compared with facing annual liabilities to purchase offsets from the market

May be less controversial as a strategy to addressing value chain emissions with insets incorporated directly into operating and investment strategies, as opposed to purchasing carbon offsets generated elsewhere



Our carbon management revolves around high-integrity standards

When they invest in assets that generate carbon credits, investors must be confident that they’re contributing to the goals of the Paris Agreement. Across carbon markets, quality is quickly becoming a critical differentiator between projects and carbon credits, with direct implications for pricing. To ensure that Manulife Investment Management generates the highest-integrity carbon sequestration and value for both investors and the environment, we established a carbon standards working group in early 2021, an internal team drawing on carbon expertise from across our organization and with external input from leading conservation nonprofits that we've worked closely with.

The working group has conducted a landscape analysis of the leading carbon standards created by various independent groups, including the International Carbon Reduction and Offset Alliance, the Oxford Principles for Net Zero Aligned Carbon Offsetting, and The Integrity Council for the Voluntary Carbon Market (IC-VCM)3.

Our own standards are aligned with IC-VCM’s core carbon principles and include key principles of additionality, permanence, leakage and accurate monitoring, reporting, and verification, among others.

Our carbon principles: a high-integrity climate benefit methodology

Manulife Investment Management has adopted a set of strategy-specific carbon guidelines that we integrate into our timberland acquisition screening for existing carbon projects and into our new carbon project development processes. To ensure alignment, the carbon standards working group will recommend moving forward with a new opportunity if the project adheres to these principles.

Carbon credits are required to be:

  • Real—Genuinely reduce carbon emissions and contribute to global climate change imperatives
  • Based on realistic and credible baselines—Baselines defined as levels of emissions normally occurring in a business-as-usual context
  • Monitored, reported, and verified—Using recognized and certified intermediaries, platforms, and protocols run by public or private organizations for verification, issuance, and credit trading
  • Permanent—Carbon is sequestered for the long term so the global climate truly benefits
  • Additional—Additive carbon sequestration above and beyond the status quo that wouldn’t otherwise have occurred in the absence of carbon finance
  • Able to minimize, and account for, any leakage—Calculate and minimize emissions that may transfer to adjacent or nearby locations that aren’t participating in the carbon project
  • Only counted once—Unambiguous attribution of the credit
  • Focused on co-benefits and doing no net harm—Minimize negative externalities that may result from carbon project activities and focus on additional social and ecological benefits such as improving biodiversity
  • Managed to avoid enabling greenwashing for carbon offset buyers and carbon inset transfer recipients—Rigorously screen potential credit buyers and recipients for tangible commitments to and progress toward climate action

We seek to set the bar for high-quality carbon credits

Our carbon principles summarized in a pie chart.
For illustrative purposes only.

Q&A with Matt Bonham, managing director, North American operations, timberland and agriculture

Q: Please describe your role implementing and managing carbon projects on Manulife Investment Management’s timberland and agriculture client properties?
 

A: Within timberland, I coordinate with our value-added services and operations teams to execute our carbon strategy. One example is working with local carbon developers to identify parcels of land where we can offer value by leaving our timber on the stump in the form of carbon banks. It’s another way for clients to put their capital to work while making a positive impact for the environment and society. Our capacity to measure carbon capture consistently and economically in soil and generate resulting carbon value is at a much earlier stage of development. We’ve initiated a number of pilot projects on our farmlands to analyze how we measure the success of carbon capture and ensure best practice, and we expect soil carbon to catch up to forest carbon as a substantial value driver in the future. 

Q: How does carbon fit into Manulife Investment Management’s value-generation strategies for timberland investments?
 

A: We have experience managing carbon projects across compliance and voluntary markets on behalf of clients within our traditional sustainable timberland investment strategy. The nature of timberland investment often means that some years are just better for harvest than others from a traditional market standpoint. What we gain through carbon projects is greater optionality—the option to leave timber on the stump for carbon capture—and this gives our clients additional opportunities to generate value. These projects have historically been opportunistic in nature and have represented a small component of our overall traditional investment program, although we see great promise going forward. We're also developing a strategy that builds on our 35+ years of sustainably managing timberland to focus on a much greater intensity of carbon-value investing.

Q: What issues do Manulife Investment Management’s carbon principles seek to address?
 

A: Our timberland investments are divided into two areas: traditional timberland investment with carbon options and carbon-first investments. Our carbon principles cover both strategies as well as agriculture. Our principles address Manulife Investment Management’s intention to generate high-integrity, high-quality carbon credits for investors and the environment. The principles are aligned with IC-VCM’s core carbon principles and include requirements for our projects to demonstrate clear additionality, permanence, and avoiding double-counting, among other attributes. Importantly, we’ve committed to even more rigor than IC-VCM’s initial principles in certain aspects, such as screening the climate credentials of potential offset buyers and inset investors to avoid enabling greenwashing.

Q: Why did Manulife Investment Management choose to create its own principles rather than endorsing a third-party set of principles like IC-VCM’s core carbon principles?
 

A: The Taskforce on Scaling Voluntary Carbon Markets (TSVCM) was launched about one and a half years ago to address issues of governance, transparency, and standards in voluntary carbon markets. To date, TSVCM has brought together a diverse range of stakeholders, issued the initial core carbon principles, and convened a governance body (IC-VCM)—and there’s much more work to be done. We felt that we needed an operational set of principles aligned with best practice, as IC-VCM is currently developing, and that were broad enough to effectively address our various business strategies. Manulife Investment Management plans to continue to monitor leading carbon guidance from groups like IC-VCM, and we’ll adjust and evolve our own policies in parallel.

Q: How are you integrating the carbon principles?
 

A: We’ve already applied our principles to our existing carbon projects, and we’ve established a review process led by the carbon standards working group for new and acquired projects going forward. We’re also noticing that our foresters are really focusing on the opportunities for carbon capture, rather than just on traditional timber harvesting. Our principles enhance the potential for all kinds of environmental benefits for our clients and communities aside from capturing carbon; for example, wetland mitigation banks, species mitigation banks, and water filtration opportunities for local communities. We do things differently now—and that’s a good thing.


1 Fastmarkets RISI Global Timberland Ownership and Investment Database, as of March 11, 2022. This ranking is based on total assets under management. 2 Global AgInvesting Rankings and Trend Report, 2019. 3 The IC-VCM is a recently launched governance body evolving from the TSVCM.

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Neither Manulife Investment Management or its affiliates, nor any of their directors, officers or employees shall assume any liability or responsibility for any direct or indirect loss or damage or any other consequence of any person acting or not acting in reliance on the information contained here. All overviews and commentary are intended to be general in nature and for current interest. While helpful, these overviews are no substitute for professional tax, investment or legal advice. Clients should seek professional advice for their particular situation. Neither Manulife, Manulife Investment Management, nor any of their affiliates or representatives is providing tax, investment or legal advice.  This material was prepared solely for informational purposes, does not constitute a recommendation, professional advice, an offer or an invitation by or on behalf of Manulife Investment Management to any person to buy or sell any security or adopt any investment strategy, and is no indication of trading intent in any fund or account managed by Manulife Investment Management. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. Diversification or asset allocation does not guarantee a profit or protect against the risk of loss in any market. Unless otherwise specified, all data is sourced from Manulife Investment Management. Past performance does not guarantee future results.

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Eric Cooperström

Eric Cooperström, 

Managing Director, Impact Investing and Natural Climate Solutions

Manulife Investment Management

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Oliver S. Williams IV, CFA

Oliver S. Williams IV, CFA, 

Global Head of Agriculture Investments, Hancock Natural Resource Group

Manulife Investment Management

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Thomas G. Sarno

Thomas G. Sarno, 

Global Head of Timber Investments, Hancock Natural Resource Group, a Manulife Investment Management company

Manulife Investment Management

Read bio