WELCOME TO OUR JUNE RECAP!

We're excited to share all our latest tips and insights about managing your money this month. Whether you are looking for ways to save, or just want to stay on top of your finances, we're here to keep you informed and connected!

How to Financially Prepare the Next Generation

Passing on Wealth with Purpose

Did you know 70% of wealthy families lose their wealth by the second generation, and 90% by the third? The difference isn’t in the size of the fortune—it’s in the preparation.

In our latest article, we explore how to raise financially capable heirs who understand both the privilege and responsibility of inherited wealth.

💰 Why money lessons should start early—and how to teach them

📚 How trusts, RESPs, and family giving can build character

🧠 Real-world experience, not theory, creates lasting financial wisdom

💬 Why ongoing family conversations are the key to long-term success

Whether you're just starting to think about your legacy or already planning the transition, this guide will help you build a foundation that lasts.

🔗 Click here to read the full article 🔗

JUNE 2025 MARKET SUMMARY

Global markets remained volatile in June as stubborn inflation, renewed trade tensions, and central bank caution weighed on investor sentiment—even amid brief consumer confidence improvements.

Markets Stage a Comeback

• Dow Jones gained +4.3%
• S&P 500 rose +5.0%
• Nasdaq surged +6.6%, led by gains in tech and industrial sectors

Surging optimism was driven by easing trade concerns and dovish signals from the Fed.

Consumer Sentiment Still Cautious

• University of Michigan sentiment jumped to 60.7, up around 16% from May—but still well below late-2024 levels
• Conversely, the Conference Board confidence fell to 93.0, signaling lingering worries over jobs and inflation

The takeaway? Consumers are slightly more optimistic—but most remain guarded in this continually unpredictable climate.

Fed Holds Rates, Projects Cuts Later in 2025

• The Federal Reserve kept rates steady at 4.25–4.50% in June
• Officials suggested two rate cuts may come later in 2025—but only if inflation clearly eases

What Investors Should Know

• Stay invested: Missed the rebound? Markets may recover before you expect.
• Stay diversified: Spread risk across sectors and geographies.
• Stay disciplined: This isn’t the time for panic—market swings are still likely.
• Stay proactive: Talk to your advisor—make sure your portfolio reflects your goals and risk comfort.

Navigating the Noise with Strategy

June’s combination of sticky inflation, trade uncertainty, and cautious central banks reinforces the value of disciplined, data-driven portfolio management. At DO Wealth, we’re here to help you cut through the noise and focus on what matters most—steady, purposeful wealth-building—building lasting wealth.

FINANCIAL TERM OF THE WEEK:

JOINT-OWNERSHIP

Joint ownership is when two or more people legally share ownership of an asset—like a bank account, property, or investment—so that if one owner passes away, the asset automatically transfers to the surviving owner(s).

This structure can help bypass probate, making it a popular estate planning tool. For example, spouses often hold property as “joint tenants with right of survivorship” to ensure smooth and immediate transfer upon death.

But joint ownership isn’t always simple—it can raise tax implications, expose assets to another person's creditors, or complicate estate fairness among heirs.

Curious if joint ownership fits your estate strategy? Let DO Wealth help you evaluate your options clearly and confidently.

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