A New Standard for Philanthropic Capital

Capital Preserved.
Nonprofits Empowered.
Impact Measured.

For donors who expect more than a tax receipt.

$0 Control retained by most traditional endowment donors

Once contributed, most endowment capital is governed by a board, locked in perpetuity, and inaccessible regardless of changing circumstances.

The Problem with Traditional Endowments

You built something
that matters.
Your capital should too.

Traditional endowments place donor capital at the mercy of market cycles, charge significant management fees, and offer limited flexibility. Totem takes a fundamentally different approach.

Your contribution funds insured, verified purchase orders. Your principal stays yours. Only the returns go to charity.

Totem's Capital Cycle

Funded by commerce,
not charity.

01
Donor Deposit

You contribute to a dedicated account within the endowment. Your principal remains yours.

Day 0
02
PO Deployment

Totem deploys funds on a verified Fortune 500 purchase order, fully insured by Euler Hermes and AIG.

Day 1–5
03
Transaction Cycle

The purchase order executes. Every dollar is tracked, documented, and insured throughout.

90–100 Days
04
Impact Distribution

Returns are split: 75% to your chosen nonprofit, 25% to grow the endowment fund. You choose the cause.

Day 100
Your Capital. Your Control.

This is not a
permanent gift.

The Totem Endowment Fund is structured so participating donors retain full rights to their contributed capital. Undeployed funds are available for withdrawal at any cycle close.

100% Principal Protected

Every dollar is fully insured and available after each cycle. Your wealth is not consumed — it works.

DAF-Like Tax Structure

Contributions structured to offer Donor-Advised Fund flexibility: deduct now, direct impact over time.

You Choose The Nonprofit

You name the beneficiary and can redirect future distributions to a different nonprofit at any time.

Zero Overhead Myths

Impact is funded by commercial returns, not administrative pass-throughs. Real program funding.

Multi-Layer Risk Framework

Zero claims filed across
2,000+ transactions.

Euler Hermes / Allianz Trade Credit Insurance

Buyer non-payment due to insolvency or protracted default. No deductibles. Covers 100% of principal and contractual fee.

✓ World's Largest Trade Credit Insurer
AIG & Approved Agents Performance Bond

Vendors may elect to secure a performance guarantee independently underwritten through Totem's approved insurers prior to deployment.

✓ Policy #P1006427 on File
Joint Account Structure Dual-Oversight Controls

Member funds held in a joint account earmarked exclusively for the named purchase order. Cannot be redirected without authorization.

✓ Donor Co-Signatory
Verified Buyers Fortune 500 Counterparties

Amazon, Bank of America, CVS Health, Boeing, UPS, Toyota Motor North America, Cintas. No speculative assets. No market instruments.

✓ All Buyers Pre-Verified
2,000+ Transactions Completed
0.00% Default Rate — All-Time
100 Days Per Transaction Cycle — Average
How We Compare
Feature Traditional Totem
Capital Risk Market exposed Insured
Liquidity Permanently locked 100-day access
Transparency Annual opaque reports Verified PO docs
Nonprofit Choice Board-determined Donor selects
Impact Tracking Rarely quantified Cycle-level reporting
A Conversation Worth Having

Gifts of this magnitude
require clarity, trust,
and time.

Totem does not ask for a quick decision. We ask for a conversation — walk through an active transaction cycle, meet our insurance framework, and connect with a nonprofit whose mission matches yours.

Request a Conversation Visit Totem LC Group

All conversations are strictly confidential. No obligation.
partnerships@totemlcg.com  |  www.totemlcg.com

For informational purposes only. Not an offer to sell or solicitation. All conversations are strictly confidential. Totem LC Group, LLC. © 2026

partnerships@totemlcg.com