The Wednesday Weekly
Financial Market Insight December 24th, 2025
Weekly Market Insight
Welcome to our weekly market update. This newsletter is designed to provide you with current market data, investment insights, and educational information about market trends and strategies. The content herein represents our observations and analysis of market conditions and is intended for informational and educational purposes only. It does not constitute personalized investment advice or a recommendation for any specific security or strategy.
Major Market Indexes
Closing Price as of 12/23/2025
The Strong Tower Difference
Ask Yourself…
What do you own?
Why do you own what you own?
Do you know what you’re truly paying, for your investment management and advice?
If you can’t answer these three questions, watch this video.
Current Items of Interest
What Will Your Advisor Do the Next Time the Market Sells-off??
You can’t control the markets—but you can manage risk.
How?
By understanding what you own, why you own it, and how your portfolio is managed during periods of market stress. That requires attention—either from you or from your advisor.
During periods when markets move beyond normal ranges of volatility—such as exceeding a ±1 standard deviation (and notably during extreme events like the 2008 financial crisis or the COVID-19 selloff, when volatility reached well beyond ±3 standard deviations)—important questions should be asked:
What process is in place to manage risk or raise cash when volatility increases?
Are there defined exit or risk-management strategies designed to help reduce portfolio volatility?
How is downside risk addressed when market conditions change?
In the coming weeks, we will expand on three key questions every investor should consider:
What Do You Own?
Do you hold asset classes or individual positions that have consistently underperformed or detracted from long-term results?
Why Do You Own What You Own?
What is the rationale for maintaining certain investments if they have not demonstrated effectiveness within a long-term strategy?
Do You Know What You Are Truly Paying, for Your Investment Management and Advice?
Strong markets can mask areas of underperformance within an asset allocation. When markets become more challenging, the value of process, discipline, and risk management becomes more apparent.
* What is your advisor’s plan during the next market sell-off?
* Is there a defined framework for decision-making during periods of elevated volatility?
Remaining engaged—such as modestly increasing cash allocations, trimming positions, or harvesting gains—may help reduce portfolio volatility during certain market environments. Many traditional asset allocation models remain fully invested throughout all market conditions, regardless of risk levels, because that is the standard approach across much of the industry.
The next time you feel that “something” could have been done to help reduce downside risk, it may be worth revisiting the strategy and process behind your portfolio.
We invite you to have a conversation with Strong Tower Wealth Management to better understand how your portfolio aligns with our disciplined and adaptable, risk-management investment process.
Current Strong Tower Model Allocation
Clients Only — Allocation as of 12/23/25
Bottom Line:
72.0% of our model is in currently in the top 4 Industry Groups.
95.00% of our model is currently in the top 8 Industry Groups.
About Us
At Strong Tower Wealth Management, we offer comprehensive wealth management services using a goal-focused and holistic approach that considers each client’s overall financial situation, including their family, circumstances, and objectives. Our services include investment management, insurance planning, and estate planning coordination, provided with an emphasis on clarity and transparency.
Not a client yet? We invite you to schedule an introductory meeting with Brett to discuss your financial goals and learn more about how we can support you.
Merry Christmas!
Brett Lewis
Founder / Managing Director
Strong Tower Wealth Management
www.strongtowerwealthmanagement.com