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Perspectives

Interesting Read For A Long Weekend

by Fortem Financial April 17, 2025

Before the long weekend, we wanted to share additional thoughts on: Can the US avoid recession, and can the stock market deliver positive returns in 2025? Consumer Confidence If so much good news exists, why is the market down? What about China and the tariffs? Won’t that cause hyperinflation? Isn’t the US alienating its allies and trading partners? Won’t this open the door for China to step in? Because there is much to cover here, we’ve divided it into sections so you can ju… View More

Time to Cut Rates

by Fortem Financial April 14, 2025

Quantitative Easing was different during COVID than during the Financial Panic of 2008. During COVID, M2 growth soared, while it was held back during the Financial Panic by much tighter liquidity controls on banks. That’s why we were among the first and very few who predicted much higher inflation due to COVID policies. After that, we remained wary of loosening monetary policy too aggressively because we feared that, in spite of a drop in inflation, inflation remained above the Federal Reserv… View More

Tariffs, the Economy, and Stocks

by Fortem Financial April 7, 2025

The Federal Reserve started raising short-term interest rates three years ago and the M2 measure of the money supply – what Milton Friedman said to focus on – soon started declining, hitting bottom in late 2023. One of the great mysteries of the past two years is why, given tighter money, economic growth didn’t slow down, much less hit a recession. One reason was that the federal government was engaging in the most reckless deficit spending in our lifetimes. Don’t get us wrong, we don… View More

Nowhere to Hide: Trump Tariffs Leave Trading Partners Cornered

by Fortem Financial April 4, 2025

Trade partners lack options, prefer negotiation over retaliation China opens to talks, India and Vietnam prioritize negotiations EU considers retaliation, seeks new trade alliances U.S. trading partners have few good options in their trade war with President Donald Trump, other than to sue for peace. Hit by 10%-50% tariffs on their exports to the world's dominant economic superpower, most lack the firepower to hit back or the political will to slug it out, say government officials, econom… View More

Most Analysts Believe That Trump Tariffs Come In At Worst-Case Scenario, But Is That Really The Case?

by Fortem Financial April 3, 2025

President Trump announced what he calls reciprocal tariffs yesterday, but reciprocal means the same doesn't it? Simple Definitions: reciprocal: done, given, or felt equally by both sides. reciprocal affection: related to each other in such a way that one completes the other or is the equal of the other.   Full List of Countries Hit With Reciprocal Tariffs: You will note that the tariffs announced were at a 10% floor to meet most countries at Reciprocal as defined. The co… 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.

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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.

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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.

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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. Registration with the U.S. Securities and Exchange Commission (“SEC”) does not imply a certain level of skill or training. 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. The Firm 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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Blaine Amidei received the following award on January 10, 2025. This recognition was granted by the California Desert Association of REALTORS® (CDAR), which honors one Affiliate member each year who goes above and beyond in their service to the organization and their community. The award reflects CDAR’s values of partnership, engagement, and community involvement among its dynamic members and Affiliate partners. No compensation was provided for consideration, publication, or display of this award.

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