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Perspectives

The Conflict in Iran

by Fortem Financial January 8, 2020

On Tuesday, January 7th, Iran launched a series of missile attacks against US military bases Al-Asad and Arbil with state sponsored television reporting that this is the “opening of Terahn’s revenge” for the US drone attack responsible for killing General Qassem Soleimani. Later, Iranian foreign minister Javad Zarif signaled this could be both the “beginning” and the “end” of the strikes against the US. These two conflicting statements leave us wondering what to expect. Our hearts … View More

Predictions for 2020 - A Modest Growth US Economy

by Fortem Financial January 6, 2020

At the beginning of each year, we like to share the top 10 predictions of an analyst we have followed for many years, Bob Doll, who is the Chief Equity Strategist at Nuveen. He has historically been right on more than 70% of these predictions, and for us, they serve as a broad overview of the current economic climate. Bob Doll's Top 10 Predictions for 2020: The world avoids recession in 2020 as U.S. GDP grows over 2% and global GDP grows over 3%. Inflation and the 10-year U.S. Treasury yield … View More

2019 was one of the best years for the markets and economy... 2020 should be better than you expect

by Fortem Financial December 30, 2019

Each year we like to provide you with some insight for the coming year ahead. We like the consistent outlook of one of our favorite portfolio managers/analysts, Bob Doll, from Nuveen asset management. Below is how Bob's predictions are faring so far for 2019. We will bring you his 2020 predictions right after the new year. As 2019 unwinds (and before we unveil Bob’s 2020 Predictions), it’s a good time to look back at the past 12 months and provide initial thoughts about what the next year m… View More

The Santa Claus Rally continues…and may continue for 2020

by Fortem Financial December 27, 2019

In a quiet, pre-holiday trading week, the major indices continued to move higher on renewed optimism for stronger economic growth in 2020. The Nasdaq (2.18%) outperformed followed by Russell 2000® Index (2.07%), the S&P 500® Index (1.65%) and the Dow Jones Industrial Average (1.14%). The de-escalation of trade wars with the Phase One agreement between the U.S. and China provided this week’s catalyst despite the lack of details on the agreement’s terms. Presidents Trump and Xi spoke on … View More

Washington Tax Update: Sweeping Retirement Legislation

by Fortem Financial December 23, 2019

Congress Passes Sweeping Retirement Legislation, Sends To President's Desk Congress has passed the Setting Every Community Up for Retirement Enhancement or SECURE Act as part of its 2020 spending package — providing advisors, the financial services industry and investors with the most significant piece of retirement legislation in a decade. Currently, 40% of private-sector workers do not have access to a workplace retirement plan. “The SECURE Act will increase workers' access to retirement… View More

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PRIVACY NOTICE REGARDING CLIENT PRIVACY

Fortem Financial Group, LLC, has adopted this policy with recognition that protecting the privacy and security of the non-public personal information we obtain about our customers is an important responsibility.

All financial companies choose how they share your non-public personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your non-public personal information. Even when you are no longer our customer, we will only share your non-public personal information as described in this notice. So, please read this notice carefully to understand what we do.

The types of non-public personal information we collect and share depend on the product or service you have with us. This information can include items such as your Social Security number and income, your account balances and transaction history, and your investment experience and account transactions.

We collect your non-public personal information in a variety of ways. For example, we obtain your non-public personal information when you open an account or give us your income information, tell us about your portfolio or deposit money, or enter into an investment advisory contract. We also collect your non-public personal information from other companies. For example, from the custodians who hold your account assets.

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We share your non-public personal information for our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, report to credit bureaus, to protect the confidentiality or security of your records, or as permitted by law. We may also share your non-public personal information for our own firm’s marketing purposes; so that we can offer our products and services to you.

Federal law gives you the right to limit only sharing non-public personal information about your credit worthiness for our affiliates’ everyday business purposes; sharing non-public personal information about you with our affiliates to market to you; and sharing non-public personal information with non-affiliates to market to you.

We don’t share non-public personal information about your creditworthiness with our affiliates for their everyday business purposes. We don’t share your non-public personal information with our affiliates to market to you. We don’t share your non-public personal information with non-affiliates to market to you. We also don’t share your non-public personal information for joint marketing with other financial companies. State laws and individual companies may give you additional rights to limit sharing.

We share non-public personal information with our parent company affiliate, Focus Financial Partners, Inc, for its internal and external auditing purposes. We also share your non-public personal information with a non-affiliate for the purpose of aggregating it and providing summary information based on this data to our parent company, Focus Financial Partners, Inc.

To protect your non-public personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Our policy about obtaining and disclosing non-public personal information may change from time to time. We will provide you notice of any material change to this policy before we implement the change.

If you have questions please call us at 760-206-8500 or go to our website at www.fortemfin.com.

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