|
FALL FOCUS:
ANNUAL REVIEWS & NAVIGATING A CHANGING MARKET
Fall Annual Review Meetings
The Fall season at Ivory is an exciting one as we enter our busiest meeting stretch of the year. We look forward to seeing many of our clients this Fall for their Annual Reviews. Ivory was intentionally designed to handle all aspects of our clients’ finances in one place (it’s what makes us unique!). An Annual Review meeting encapsulates this by holistically reviewing our clients’ financial picture to ensure the investment, insurance, and tax strategies in place are working together and still in line with your long-term financial plans.
Over the last number of years there have been substantial changes to the economy that have affected many of us due to the increased cost of living, evolving interest rates, changing debt levels, and the overall job/business market. One area of our clients’ finances we will be reviewing more in-depth this Fall is the life insurance, disability, and critical illness plans you have in place. We acknowledge insurance is not the most enjoyable topic to discuss, but it is necessary to ensure the foundation of your financial plans is not compromised due to an unexpected event.
Over the next 90 days we will be reaching out to many of you to book in your Annual Review meeting. If you would like to proactively book your meeting instead, please don’t hesitate to contact us and we can confirm a time!
Navigating a Changing Market
It has been an eventful year for markets - one marked by strong gains, unexpected policy changes, and continued global uncertainty. Despite shifting headlines, 2025 has delivered positive results so far for investors. Markets kicked off the year with momentum, supported by easing inflation, resilient corporate earnings, and continued innovation in areas like artificial intelligence and automation. Diversified portfolios - with exposure to private real estate, private debt, and mortgage strategies - have also added meaningful value.
The U.S. import tariffs represent a major policy shift to the economy. Monthly tariff revenues have surged from an average of $7.2 billion in 2024 to $27 billion in June 2025 - with expectations that this figure could exceed $30 billion per month going forward. That equates to over $300 billion in added annual costs across the U.S. economy, prompting important questions about where this financial pressure will ultimately land.
For those in or approaching retirement, periods of policy change and market noise can understandably lead to uncertainty. That’s why your portfolio is built with care, grounded in long-term planning and diversified across asset classes. We do not rely on short-term predictions but rather focus on risk management and high-quality investments designed to weather a range of environments.
Looking ahead, while headlines will continue to shift, our approach remains unchanged: stay disciplined, stay diversified, and stay focused on your long-term goals. History has consistently shown that patient investors are rewarded over time, and we believe this period is no different.
| 
