April 2025 Financial Focus
Perspective: Playing the Long Game
Tariffs: Blocking out the Noise
Information travels fast. Technology, social media, and the 24/7 news cycle have evolved so quickly that it’s easy to feel overwhelmed. Lately, it seems like everyone’s become a self-proclaimed tariff and trade policy expert. But when the noise gets loud, it’s more important than ever to stay grounded. Focus on what’s actually happening, not what might happen based on speculation. Here are the facts:
U.S. Tariff Timeline (2025):
March 4: 25% tariffs imposed on Canada and Mexico. April 5: A 10% universal tariff on all imports began. April 9: Tariffs on China surged to over 125%. A 90-day pause was issued on tariffs between 11%–50%, affecting 60 countries. There are a lot of moving parts, and plenty of room for policy pivots.
Tariffs, Simply Put:
10% universal tariff on all imports. 145% on Chinese goods. 25% Mexico. 10% Canadian energy. 25% on autos, parts, steel, and aluminum. Exemptions: semiconductors, pharmaceuticals, copper, critical minerals, and lumber.
Resilience in the Face of Change:
At the end of the day, businesses just want to know the rules of the game. We believe most of those rules have now been set. The latest pivot places China directly in the crosshairs for the next 90 days, while the U.S. begins renegotiations with the rest of the world. Following this news, the markets rallied nearly 10% across the board. When we zoom out and consider the broader picture, here’s what matters:
The U.S. is actually
less dependent on global trade than most major economies. Only about
14% of U.S. GDP comes from imports and exports. The remaining
86% is domestic, giving us a level of insulation that many other countries don’t enjoy. And we haven’t even hit Tax Cut Corner yet (another Masters reference—sorry!). There’s still plenty of runway left for policy support later this year, whether through deregulation, tax cuts, or targeted relief aimed at keeping the economy strong. Perspective is everything, especially in volatile times. Our investment timeline stretches far beyond a single quarter or year. Patience pays. The U.S. economy is built on resilient businesses and they are in a good place. It always adapts: The Great Depression, World War II, 2008. Perspective.
“It is never beneficial to focus on short-term outcomes when investing for the long run.”
Financial Conversations
That Build Confidence
Let’s be honest — money talk probably isn't topping anyone’s list of fun date night topics. But whether you’re newlyweds, empty nesters, or somewhere in between, making time to talk about money as a couple can be one of the best ways to stay aligned and reduce stress.
We’re not saying you need to bring spreadsheets to the dinner table. What matters is having open, honest conversations that lead to better decisions, shared goals, and fewer “wait, you spent how much on golf clubs?” moments.
Start with How You Handle Money
There’s no one-size-fits-all approach to household finances. Joint accounts, separate accounts, or a mix of both what matters is understanding each other’s tendencies. Are you a saver, a spender, or a go-with-the-flow type?
Having a budget and clarity on how money flows in and out helps avoid miscommunication and gives you a shared game plan.
What Are You Working Toward Together?
Every couple has a dream. Maybe it’s retiring early, taking that bucket list trip, or just replacing that old recliner that’s eaten more remotes than your dog. Whatever it is, defining your shared goals turns vague ideas into real targets. With real targets comes better planning and a lot less guessing.
Invest Like Teammates
You don’t have to be a financial expert — but having a long-term plan pays off. Consistent investing, even in small amounts, creates flexibility down the road. Think Roth IRAs, 401(k) matches, brokerage accounts. These are the financial options. that will set you up for future freedom, not future stress.
These conversations don’t need to be stiff, stressful, or saved for “someday.” They can bring you closer and make financial decisions feel a lot more intentional. And yes, even a little fun! If you or someone you care about could use guidance in this area, we’re here to help. No pressure — just good conversations and a plan that fits.
Closing Remarks
Spring is the time for chilly mornings and shedding layers throughout the day as we ease into the warmth. Perspective reminds us that the cold is temporary and change is on the way, just like the markets.
While there’s no shortage of noise and day-to-day movement, these fluctuations are part of the natural rhythm. Focusing on the bigger picture helps us recognize short-term discomforts without losing sight of long-term goals.
Whether you're navigating changing economic headlines or planning for your future with a spouse or partner, clarity and open conversation are key. Share your thoughts. Ask the tough questions. Revisit your goals together.
The sun is out, even if it takes a little while each morning to feel it. Keep showing up, keep planning ahead, keep the conversation going.
Partnering with you on your financial journey.
Pertinent Information
SEI has transitioned client access to the new Investor Portal Admin A new SEI Mobile App is now available for easier access on the go If you need help setting up your online access, please contact our office
United Advisor Group, LLC, d/b/a Miami Valley Financial Partners, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. MVFP, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security of personalized investment, tax, or legal advice. Securities offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Advisory services offered through United Advisors Group. Silver Oak Securities and United Advisor Group are not affiliated. Important letters, email, or fax messages should be confirmed by calling 937-428-9204. This email service may not be monitored every day, or after normal business hours.
