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April 2025 Market Volatility Update

Hello!

I hope you're doing well!

Well, we continue to live in interesting times!

Markets have continued to move sharply in response to newly announced tariffs and growing concerns over global trade. Friday’s steep sell off extended into Monday, with volatility remaining elevated across sectors and asset classes.

This is what we call a gut check moment. A time when the headlines feel loud. The numbers feel sharp. And your instincts may start to question your plan. Giving advice not to panic during severe market downturns can feel a little cliché, but it is the most important piece of financial advice you can get.

Please click on the video icon below to watch a short video where I explain all of this.



Here’s What We’re Focused On:

 

•    Markets are reacting to headlines—not fundamentals.

The recent pullback has been driven by uncertainty around global policy, not because the economy or corporate earnings are collapsing. Markets often react first, analyze later.

 

•    Your plan already accounts for volatility.

Our clients are not invested based on guesses about the next news cycle. Our clients portfolios are built around your long- term goals, risk tolerance, and income needs.

 

•    Emotional decisions can be costly.

History shows that selling during sharp declines often leads to missing the rebound. Staying invested through the cycle is what can lead to long-term success.

 

•    There may be strategic opportunities.

Periods like this can create tax planning advantages, rebalancing opportunities, and entry points into long- term themes. We’re watching closely for those.

 

Let’s Connect If You’re Feeling Uneasy

 

Gut check moments are part of investing. But you’re not in this alone. We’re here to talk through what’s happening, review your plan if needed (whether you are a current client or not), and make sure you feel confident about where you're headed—even if the road feels bumpy right now.

 

Thank you for your continued trust.

 

Please contact my anytime with at (734) 272-4322 or email at cyril.white@fourfinancial.com with your questions and concerns!


Sincerely,                                                         

Cyril

Certified Financial Planner(tm) 


IMPORTANT DISCLOSURES: 

 Securities offered through LPL Financial | Member FINRA/SIPC. Investment advisory services offered through Four Financial Management a registered investment advisor & separate entity from LPL Financial.

 This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change.

 References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results. Any company names noted herein are for educational  purposes only and not  an indication  of trading intent  or a solicitation  of their products or services.

 Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss. LPL Financial does not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.

 All index data from FactSet.

 The Standard & Poor’s 500 Index (S&P500) is a capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries.

 All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

 This research material has been prepared by LPL Financial LLC.

 Not Insured by FDIC/NCUA or Any

Other Government Agency         

Not Bank/Credit

Union Guaranteed  Not Bank/Credit Union

Deposits or Obligations    

May Lose Value

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