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Perspectives

Seasonal Volatility is back in a big way... What should we be looking at now?

by Fortem Financial October 15, 2018

September and October are traditional the most volatile months of the year.  History shows us the largest one day percentage drop in history was 31 years ago, known as Black Monday, on October 19, 1987. On that day, stockbrokers in New York, London, Hong Kong, Berlin, Tokyo and just about any other city with an exchange stared at the figures running across their displays with a growing sense of dread. A financial strut had buckled and the strain brought world markets tumbling down. However, mar… View More

Stocks closed sharply lower as Dow sinks over 800 points in worst day since February

by Fortem Financial October 10, 2018

U.S. stocks slumped to close sharply lower today as the Dow Jones Industrial Average sank more than 800 points and the S&P 500 had its worst day since February as technology stocks went into a freefall. Investors were spooked by rising bond yields dumped equities in all sectors, triggering a broad market rout.  The Dow Jones Industrial Average DJIA, -3.15% skidded 831.83 points, or 3.2%, to 25,598.74, logging its worst one-day drop since February. The S&P 500 index lost 94.66 points, o… View More

We think investors are overestimating the potential negative impact of a "trade war"

by Fortem Financial October 8, 2018

Investors still seem to be underestimating the revitalizing effects of the fiscal stimulus and regulatory easing while overestimating the potential negative impact of a “trade war.” This suggests to us an increase in real GDP, inflation, bond yields, earnings, and stock prices as the year progresses. The pace of stock price appreciation (the multiple), however is likely to slow as the real economy lures liquidity away from financial assets. We continue to have a bias of value over growth and… View More

New era for trade with Mexico and Canada, finally a fair deal for all

by Fortem Financial October 1, 2018

Just reaching an agreement was the first step. Now the US Trade Promotion Authority (TPA) process will kick in. By the end of 2018, we expect the International Trade Commission to issue a report for Congress detailing the economic impact of the renegotiated NAFTA agreement. The purpose of this report is to be informative for members of Congress before they vote. We have no idea how the report may score the benefits of enhanced intellectual property protection and the new financial services rules… View More

The Fed raises rates again

by Fortem Financial September 27, 2018

As expected, the Federal Reserve raised rates by 25 basis points yesterday. And at this point, the outlook for the remainder 2018 looks largely determined, with both 75% of Fed officials and the markets pricing in one more rate hike in December to make it four for the year. What remains to be seen – and the focus for many with yesterday's release – is how policy will develop in 2019 and beyond. The only substantive change in yesterday's statement was the removal of a sentence noting the sta… View More

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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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Fortem Financial Group, LLC ("Fortem Financial" or the "Firm") is a federally registered investment adviser with offices in California and Arizona. Fortem Financial and its representatives are in compliance with the current registration and notice filing requirements imposed upon federally registered investment advisers by those states in which Fortem Financial maintains clients. Fortem Financial may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements.

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