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Perspectives

Government Shutdown Likely

by Fortem Financial September 30, 2025

Congressional Democrats have limited influence over President Trump’s policy agenda, but government funding requires 60 votes in the Senate, giving them leverage since Republicans hold just 53 seats. Votes will be used as leverage, putting the US government into a shutdown at midnight tonight.   Democrats' Position: ACA Subsidies Democrats are pushing to extend enhanced Affordable Care Act (ACA) tax credits, which expire at the end of 2025. They view this as an important policy priority an… View More

Earnings Make The Market Go Up

by Fortem Financial September 29, 2025

Earnings Projections Revised Upward for Q3, Contrary to Historical Trends As we near the end of the third quarter this week, optimism regarding Q3 earnings growth remains strong. Estimates have been revised upward throughout the quarter, now projecting an 8.8% increase, which goes against the historical trend of downward revisions. Seven of the eleven sectors are anticipated to report positive earnings growth, with four sectors expected to see growth in the mid-to-high teens. The technology se… View More

Fed Finally Lowers Rates, Indicates More To Come

by Fortem Financial September 22, 2025

The loss of momentum in U.S. payroll job growth has been a concern. The FOMC statement noted last week that "job gains have slowed, and the unemployment rate has edged up but remains low" and followed that up with "the Committee … judges that downside risks to employment have risen." However, initial claims falling to 231,000 (240,000 on the 4-week average) were reassuring last week. Factoring out recent noisy readings due to fraud in TX, claims indicate economy-wide firing remains limited. U… View More

So, Maybe That Drop In M2 Really Did Matter

by Fortem Financial September 15, 2025

What is M2: M2 is a measure of the money supply that includes M1 (currency, demand deposits, and other liquid deposits like checking accounts) plus savings deposits, money market accounts, and certificates of deposit (CDs) with maturities of less than $100,000. It represents a broader measure of money available in an economy for spending and investment. If a tree fell in the woods, but the data said it didn’t, does it really mean anything? Despite what appeared to be relatively solid data, m… View More

Weekly Market Commentary

by Fortem Financial September 8, 2025

Recent economic indicators suggest growing concerns about a potential recession. With calls for such an event expected to intensify. A weak jobs report has solidified expectations for an interest rate cut, as policymakers aim to stimulate economic activity. Analysts anticipate that discussions surrounding a recession will amplify in the near term, driven by persistent labor market challenges and broader economic uncertainties.   Key Points: Recession Concerns: Emerging signals indicate a … 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.

All financial companies need to share customer’s non-public personal information to run their everyday business. Below, we describe the reasons we can share your non-public personal information and whether you can limit this sharing.

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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