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From: "Scott Durrett" <scott.durrett@afs.ameriprise.com>
To: <danny@sterlingcal.com>
Subject: What new tariffs may mean for the markets
Date: Tue, 18 Mar 2025 06:45:44 -0600
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Dalton and Associates

 
  
 

March 2025

 Prepared for: Danny Groina

https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7ffbdfbdfa96ad9217b0214d37a9030ddc1a8dd333c9104ccf31520da4616d7778433875a714aac268c965ff0aa0a84307afa8c780284a00c 

What new tariffs may mean for the markets

As broader tariffs go into effect, the markets may be in for more twists and turns, at least in the short term. Here’s what investors should know about the potential impacts.

https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7ffbdfbdfa96ad9217b0214d37a9030ddc1a8dd333c9104ccf31520da4616d7778433875a714aac268c965ff0aa0a84307afa8c780284a00c 
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2025 housing market: 3 factors to watch

Get the outlook on mortgage rates, home prices and housing supply for the spring selling season and beyond.

https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7a3776a998b226ead964cf65d18d7535b1de7b39adbed8e9770a9b8f6f99114e2cfddf1c354e2d395a834e8cbdcd381428fa9a559946b1a55 
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Why are interest rates still high?

Historically, rate-cutting cycles have been associated with lower U.S. Treasury rates. But not this time.

https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7921ea752320147e6409b1a92dde401a7aa6145e6103c9c83fef4dce6a64a60735cf0df1673c76b43428a39263b5e22ac94d6bdb9b3a8b96b 
Find out why

  
 
 
Why fixed income diversification: <i> Why now?</i>


https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde76583956383cc0dd8a6b540499df76a1916c4c17412e13bd1baefd82ebaf153afd6dc34deb5e29d719579e57bc30868eda05a7487a8c171a4 
  

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Watch the video 





 
 

 
Connect with me
 

  
 
 Scott Durrett 
  Financial Advisor 
  Associate Vice President 
  Dalton and Associates 
  A private wealth advisory practice of Ameriprise Financial Services, LLC 
  
 
 562.308.4526562


  
 

mailto:scott.durrett@ampf.com 

  
 
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 Scott Durrett

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  Associate Vice President

   Dalton and Associates

  A private wealth advisory practice of Ameriprise Financial Services, LLC 

  

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  Los Angeles, California 90067-2936

 

  

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  .mobilePadTopBot20px {padding: 20px 0 !important;}
  .mobilePadTop12px { padding-top: 12px !important; }
  .mobilePadBot20px{ padding-bottom: 20px !important; }
  .mobileFont20px { font-size: 20px !important; line-height: 23px !important;}
  .mobileFont21px{ font-size: 21px !important; line-height: 24px !important; }
  .mobileFont18px{ font-size: 18px !important; line-height: 21px !important; }
  .mobileFont14px{ font-size: 14px !important; line-height: 18px !important; }
  .mobileFloatNone{ float: none !important; }
  .width100 {width:100% !important;}
  .mobileShow { display: inline-block !important; height: auto !important; overflow: visible !important; visibility: visible !important; max-height: none !important; width: 100% !important;}
  .mobileArticleImage {display: block !important; width: 280px !important; height: auto !important; }
  .mobileCenter img{ text-align: center; margin: 0 auto; }
        .mobileBannerImage img { width: 64px!important; height: auto !important; }
        }
  
@media only screen and (min-width: 620px) {
        .desktopShow { display:block!important; /*no space before !important because of Yahoo bug*/ }
        .desktopHide { display:none!important; }
        .desktopDisplayInline { display: inline!important; }
        .desktopWidth360px { max-width: 360px!important; }
        .desktopWidth300px { max-width: 300px!important; }
        .desktopWidth290px { max-width: 290px!important; }
        .desktopWidth280px { max-width: 280px!important; }
        .desktopWidth240px { max-width: 240px!important; }
        .desktopWidth220px { max-width: 220px!important; }
        .desktopWidth206px { max-width: 206px!important; }
        .desktopWidth186px { max-width: 186px!important; }
        .desktopWidth180px { max-width: 180px!important; }
        .desktopWidth160px { max-width: 160px!important; }
        .desktopWidth154px { max-width: 154px!important; }
        .desktopWidth142px { max-width: 142px!important; }
        .desktopWidth130px { max-width: 130px!important; }
        .desktopWidth120px { max-width: 120px!important; }
        .desktopWidth64px { width: 64px!important; }
        .desktopWidth40px { width: 40px!important; }
        .desktopWidth20px { width: 20px!important; }
        .desktopFont36px { font-size: 36px!important; line-height: 40px!important; }
        .desktopPaddingBottom40px { padding-bottom: 40px!important; }
        .desktopPaddingBottom35px { padding-bottom: 35px!important; }
        .desktopPaddingBottom0px { padding-bottom: 0px!important; }
        .desktopPaddingTop40px { padding-top: 40px!important; }
        .desktopPaddingTop35px { padding-top: 35px!important; }
        .desktopPaddingTop30px { padding-top: 30px!important; }
        .desktopPaddingLeft40px { padding-left: 40px!important; }
        .desktopPaddingRight40px { padding-right: 40px!important; }
        .desktopPaddingRight30px { padding-right: 30px!important; }
        .desktopPaddingRight20px { padding-right: 20px!important; }
        }
  
@media only screen and (max-width: 588px) {
  *[width="620"]{ width:320px !important; }

  .mobileHide { display: none !important; }
  .mobilePadding { width:12px !important; }
  .mobileLeft { float:left !important; }
  .width100 { width:100% !important; float:left !important; }
  .heroScale { width:100% !important; height:auto !important; }
  .mobileFullWidth { width:276px !important; float:left !important; }
  .mobileStack { width:276px !important; float:left !important; display: block !important; }
  .mobile300px { width:300px !important; }
  .mobile236px { width:236px !important; }
  .mobile274px { width:274px !important; }
  .mobile76px { width:76px !important; }
  .mobileHeight20px { height:20px !important; font-size:20px !important; line-height:20px !important; }
  }


@media only screen and (min-width: 480px) {
        .desktopShowInline { display: inline!important; /*no space before !important because of Yahoo bug*/ }
        }
  
@media only screen and (max-width: 619px) {
            /* force Gmail iOS email body to full-width */
            .body { min-width: 100vw; }
            /* force link styling on addresses, etc. in the Gmail App */
            #body a,
            #body a:hover,
            #body a:visited{ color:inherit; font:inherit; text-decoration:none; }
        }
  
body { margin: 0 auto!important; padding: 0; background-color: #ffffff; -webkit-text-size-adjust: none; }
table { border-spacing: 0; font-family: sans-serif; color: #4d4e53; }
td { padding: 0; }
img { border: 0; }
/* outlook visited link state */
span.MsoHyperlink { mso-style-priority:99; color:inherit; text-decoration: inherit; }
span.MsoHyperlinkFollowed { mso-style-priority:99; color:inherit; text-decoration: inherit; }
/* end outlook visited link state */
.wrapper { width: 100%; table-layout: fixed; -webkit-text-size-adjust: 100%; -ms-text-size-adjust: 100%; }
.webkit { max-width: 620px; /* set to max-width of full email */ 
   margin: 0 auto; }
.full-width-image img {
            width: 100%;
            max-width: 620px; /* set to max-width of full email */
            height: auto; }
.multi-column-align-top .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: top; /* this will align the column just as if it's a table cell */ }
.multi-column-align-middle .column { width: 100%; max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;vertical-align: middle; /* this will align the column just as if it's a table cell */ }
.multi-column-align-bottom .column { width: 100%; max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
   display:inline-block; vertical-align: bottom; /* this will align the column just as if it's a table cell */ }
</style>
      <!--[if gt mso 15]>       <style type="text/css" media="all">          /* Outlook 2016 Height Fix */          table, tr, td {border-collapse: collapse;}          tr { font-size:0px; line-height:0px; border-collapse: collapse; }       </style>       <![endif]-->
      <!--[if mso]>       <style>          td{          font-family: Arial, Helvetica, sans-serif !important;          }            </style>       <![endif]-->

      <!--[if gte mso 9]>       <style>          .outlookfix{font-size:0%; line-height:0;}  </style> <![endif]-->
 
<style type="text/css">
 body { margin:0; padding:0; width:100% !important; overflow-y:scroll; -ms-text-size-adjust:100%; -webkit-text-size-adjust: 100%; font-family:Helvetica, Arial, sans-serif; }
 table { mso-table-lspace:0pt; mso-table-rspace:0pt; border-collapse: collapse; }
 a[href^=tel]{ color:inherit; text-decoration:none; }
 a { color:inherit; text-decoration:none; }
 .ExternalClass * { line-height: 100%; } 
</style>

<style>
        /*Outlook.com does not support media queries. Target Outlook.com using this format.*/
        /*Force Outlook 365 to full width so it doesn't look broken when browser window is smaller than max width.*/
        [owa] .webkit{
            width:620px!important;
        }
        [owa] .desktopShow{
            display:block!important;
        }
        [owa] .desktopHide {
            display:none!important;
        }
        [owa] .desktopDisplayInline {
            display: inline!important;
        }
        [owa] .desktopWidth360px {
            max-width: 360px!important;
        }
        [owa] .desktopWidth300px {
            max-width: 300px!important;
        }
        [owa] .desktopWidth290px {
            max-width: 290px!important;
        }
        [owa] .desktopWidth280px {
            max-width: 280px!important;
        }
        [owa] .desktopWidth240px {
            max-width: 240px!important;
        }
        [owa] .desktopWidth220px {
            max-width: 220px!important;
        }
        [owa] .desktopWidth206px {
            max-width: 206px!important;
        }
        [owa] .desktopWidth186px {
            max-width: 186px!important;
        }
        [owa] .desktopWidth180px {
            max-width: 180px!important;
        }
        [owa] .desktopWidth160px {
            max-width: 160px!important;
        }
        [owa] .desktopWidth154px {
            max-width: 154px!important;
        }
        [owa] .desktopWidth142px {
            max-width: 142px!important;
        }
        [owa] .desktopWidth130px {
            max-width: 130px!important;
        }
        [owa] .desktopWidth120px {
            max-width: 120px!important;
        }
        [owa] .desktopWidth64px {
            width: 64px!important;
        }
        [owa] .desktopWidth40px {
            width: 40px!important;
        }
        [owa] .desktopWidth20px {
            width: 20px!important;
        }
        [owa] .desktopFont36px {
            font-size: 36px!important;
            line-height: 40px!important;
        }
        [owa] .desktopPaddingBottom40px {
            padding-bottom: 40px!important;
        }
        [owa] .desktopPaddingBottom35px {
            padding-bottom: 35px!important;
        }
        [owa] .desktopPaddingBottom0px {
            padding-bottom: 0px!important;
        }
        [owa] .desktopPaddingTop40px {
            padding-top: 40px!important;
        }
        [owa] .desktopPaddingTop35px {
            padding-top: 35px!important;
        }
        [owa] .desktopPaddingTop30px {
            padding-top: 30px!important;
        }
        [owa] .desktopPaddingLeft40px {
            padding-left: 40px!important;
        }
        [owa] .desktopPaddingRight40px {
            padding-right: 40px!important;
        }
        [owa] .desktopPaddingRight30px {
            padding-right: 30px!important;
        }
        [owa] .desktopPaddingRight20px {
            padding-right: 20px!important;
        }
</style>

<style>
        /*Modules*/
        h2 {
            font-family: Arial, Helvetica, sans-serif; 
            color: #4d4e53;
            font-size: 18px;
            margin: 0 0 0 20px;
            padding: 20px;
            border: solid 1px #4d4e53;
            background-color: #fad7b1;
            text-transform: uppercase;
        }
        
        /* Basics */
        body {
            margin: 0 auto!important;
            padding: 0;
            background-color: #ffffff;
            -webkit-text-size-adjust: none; 
        }
        table {
            border-spacing: 0;
            font-family: sans-serif;
            color: #4d4e53;
        }
        td {
            padding: 0;
        }
        img {
            border: 0;
        }
        /* outlook visited link state */
        span.MsoHyperlink {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
        }
        span.MsoHyperlinkFollowed {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
        }
        /* end outlook visited link state */
        .wrapper {
            width: 100%;
            table-layout: fixed;
            -webkit-text-size-adjust: 100%;
            -ms-text-size-adjust: 100%;
        }
        .webkit {
            max-width: 620px; /* set to max-width of full email */
            margin: 0 auto;
        }
        .full-width-image img {
            width: 100%;
            max-width: 620px; /* set to max-width of full email */
            height: auto;
        }
        .multi-column-align-top .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: top; /* this will align the column just as if it's a table cell */
        }
        .multi-column-align-middle .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: middle; /* this will align the column just as if it's a table cell */
        }
        .multi-column-align-bottom .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: bottom; /* this will align the column just as if it's a table cell */
        }   
 </style><style type="text/css">
.ExternalClass * { line-height: 112%; }
.ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td { line-height: 112%; }
a[href^=tel], .nolinkcolor > a { /* this is the iOS and Outlook.com styling override */
 color: inherit;
 text-decoration: none;
}
.sup, td { -webkit-text-size-adjust: none; }
table, td {
 border-collapse: collapse;
 padding: 0px;
 margin: 0px;
 mso-table-lspace: 0pt;
 mso-table-rspace: 0pt;
}
em { font-style: italic; }
strong { font-weight: bold; }
.link { /* use this span insde the link tag to fix links for Outlook 2013/16 */
 color: inherit;
 text-decoration: inherit;
}
.appleLinks a {
 color: inherit !important;
 text-decoration: none !important;
}
.appleLinks2 a { color: inherit !important; }
a[x-apple-data-detectors] {
 color: inherit !important;
 text-decoration: none !important;
 font-size: inherit !important;
 font-family: inherit !important;
 font-weight: inherit !important;
 line-height: inherit !important;
}
th { font-weight: normal; }

@media screen and (max-width: 550px) {
/***** Global Styles *****/
*[class].full, .full { width: 100% !important; }
*[class].table-main, .table-main { width: 100% !important }
*[class].table90, .table90 { width: 70% !important }
*[class].fullgmail, .fullgmail {width: 100% !important; min-width: 320px !important;}
*[class].hide, .hide { display: none !important; }
*[class].mobileshow, .mobileshow {
 display: block !important;
 width: auto !important;
 overflow: visible !important;
 float: none !important;
 max-height: none !important;
 line-height: normal !important;
 visibility:visible !important;
 font-size:inherit !important;
}
*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padmain, .padmain {
 padding-top: 15px !important;
 padding-bottom: 10px !important;
 padding-left: 0 !important
}
*[class].padmain2, .padmain2 {
 padding-top: 15px !important;
 padding-bottom: 10px !important;
 padding-left: 20px !important
}
*[class].displayBlock, .displayBlock {
 width: 100% !important;
 display: block !important;
}
*[class].widthauto, .widthauto { width: auto !important }
*[class].borderadius, .borderadius { border-radius:3px !important;-moz-border-radius:3px !important;-webkit-border-radius:3px !important; height:40px !important; width:auto !important}
*[class].padT10, .padT10 {
 padding-top: 15px !important;
 padding-bottom: 15px !important;
 padding-left: 0 !important;
}
*[class].padbot2, .padbot2 { padding: 42px 0px 21px 0px !important; }
*[class].padbtm, .padbtm { padding-bottom: 20px !important; }
*[class].padbtm10, .padbtm10 { padding-bottom: 10px !important; }
*[class].padBTM, .padBTM { padding-bottom: 20px !important }
*[class].alignleft, .alignleft {
 text-align: left !important;
 padding-bottom: 5px !important;
 padding-left: 20px !important
}
*[class].alignleft2, .alignleft2 {
 text-align: left !important;
 padding-bottom: 22px !important;
 padding-left: 20px !important
}
*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padR20, .padR20 { padding-right: 50px !important; }
*[class].padterms20, .padterms20 { padding-right: 20px !important }
*[class].imgwdth90, .imgwdth90 { width: 90% !important }
*[class].heroheading, .heroheading { padding-top: 38px !important; }
*[class].heroheadPadBtm, .heroheadPadBtm { padding-bottom: 38px !important; }
*[class].brkblk, .brkblk {
 display: block !important;
 margin-bottom: 15px;
}
*[class].aligncenter, .aligncenter {
 text-align: center !important;
 padding: 0 30px 12px 30px !important
}
*[class].heightinher, .heightinher { height: inherit !important }
*[class].padleft20, .padleft20 { padding-left: 20px !important;padding-right: 20px !important; }

*[class].pad11, .pad11 { padding-left: 20px !important;padding-right: 20px !important; }
*[class].txtalign, .txtalign { padding: 0px 0px 18px 15px !important; }
*[class].txtalign2, .txtalign2 {
 text-align: right !important;
 padding: 8px 4px 12px 15px !important;
}
 *[class].Acenter, .Acenter{text-align:center !important;}
 *[class].pdl30, .pdl30{padding-left: 30px !important;}
  *[class].setblock, .setblock{display: block !important;}
 *[class].Mtext, .Mtext{font-size: 14px !important; line-height: 16px !important; color: #000000 !important; letter-spacing: 0px !important; padding-top: 5px !important; }
 *[class].Lpad, .Lpad{ padding-left:10px !important;}
 *[class].set90P, .set90P{width:88px !important; height: auto !important;}
 *[class].set40P, .set40P{width:45px !important; height: auto !important;}
 *[class].set200P, .set200P{width:201px !important; height: auto !important;}
 *[class].padleft37, .padleft37 { padding-left: 40px !important;padding-right: 39px !important; width: auto !important; }
 *[class].paddr5P, .paddr5P{padding-right:5px;}
}
</style>
   </head>
   <body bgcolor="#ffffff" style="margin: 0px; padding: 0px; -webkit-text-size-adjust:none; -ms-text-size-adjust: none;"><style type="text/css">
div.preheader 
{ display: none !important; } 
</style>
<div class="preheader" style="font-size: 1px; display: none !important;">Plus, why are interest rates still high?</div>
      <img src="https://click.afs.ameriprise.com/open.aspx?ffcb10-fec71d707567027b-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-ff2e11747d64&d=110048&bmt=0" width="1" height="1" alt="">
      <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%" style="table-layout:fixed;">
         <tr class="outlookfix">
            <td align="center" valign="top">
               <div align="center">
                  <table width="620" border="0" cellspacing="0" cellpadding="0" align="center" class="container" style="width: 620px;">
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table>
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><div style="display: none; max-height: 0px; overflow: hidden;">
&#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp;
 &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
</div></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<div role="article" aria-roledescription="email" lang="en" style="-webkit-text-size-adjust:100%;                                                                   -ms-text-size-adjust:100%;                                                                   background-color:#ffffff;">
  <table border="0" cellspacing="0" cellpadding="0" width="100%">
    <tr>
      <td align="center">
        <!--Practice Branding-->
        <!--PWA Team Logo--><a href="https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7ec7dd0a569e1426c87a74900160b4f74623059de5831b2fd2a8ebbd9c4458d0e5682d7df63407bbfb85409646d1eab7fc95582ae4c48cfdc" ><img width="200" height="" style="display: block;" alt="PWA Team Logo" src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/d8f88d3a-66ca-479a-9629-21537266f7b2.png" border="0"></a>
        <div style="width: 176px; text-align: center; color: rgb(94, 108, 117); line-height: 15px; font-family: &quot;PublicoHeadlineRoman&quot;, Georgia, serif; font-size: 13px;">Dalton and Associates<br>
        </div>
        <!--PWA Team Logo End-->
        <!--Practice Logo-->
        <!--Practice Branding End-->
        <div style="height: 4px; line-height: 6px; font-size: 12px;">
          &nbsp;
        </div>
        <table class="mobile320px" style="border-top-color: rgb(83, 98, 111); border-top-width: 0px; border-top-style: solid;" width="600" cellspacing="0" cellpadding="0" border="0" bgcolor="#ffffff">
          <tr>
            <td width="600">
              <div style="height: 4px; line-height:6px; font-size: 12px;">
              </div>
            </td>
          </tr>
        </table>
      </td>
    </tr>
  </table>
  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; ">
    <tr>
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              <span style="font-family:Helvetica,Arial,sans-serif;font-size:13px;font-weight:400;line-height:1.5">March 2025<br>
                Prepared for: Danny Groina</span>
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<div role="article" aria-roledescription="email" lang="en" style="-webkit-text-size-adjust:100%;                                                                   -ms-text-size-adjust:100%;                                                                   background-color:#ffffff;">
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                  <a href="https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7fab2e39d0fcb40c959ce0be7d572b44f28e3bb18a7cdf21d3252f97cef26d25ca16103650ff605979e5ece66c7238e6ba5c5134c96679f45" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/79ea788c-b6c5-4f62-9035-d2c3cde92d99.jpg" width="600" alt="Article 1 Image" style="display:block;                     width:100%;                     height:auto;                     max-width:600px;"> </a>
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            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <!--[if mso]> </td> <td style="width:100%; padding: 0px 20px 0px 20px;"  valign="middle">&nbsp; <![endif]-->
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                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">As broader tariffs go into effect, the markets may be in for more twists and turns, at least in the short term. Here’s what investors should know about the potential impacts.</p>
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                    <!--[if mso]> <i style="letter-spacing: 25px; mso-font-width:-100%; mso-text-raise:30pt" hidden>&nbsp;</i><![endif]--> 
                    <span style="mso-text-raise:15pt;">Read the insights</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><br><br><br><![endif]--> 
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                  <a href="https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7efc37a55c10845b7fc65fa26932b1b08a5ba1268c8e48c3c9ff2ee3a6a01a9a61c1c17e7f74ca75b796f9a4295364d9d64a24b88ec4bdb42" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/beb11e8e-f642-4831-8a5f-09e1dacf6511.jpg" width="300" alt="Article 2 Image" style="display:inline-block;                     width:100%;                     height:auto;                     max-width:300px;"> </a>
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                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">Get the outlook on mortgage rates, home prices and housing supply for the spring selling season and beyond.</p>
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<a href="https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde7efc37a55c10845b7fc65fa26932b1b08a5ba1268c8e48c3c9ff2ee3a6a01a9a61c1c17e7f74ca75b796f9a4295364d9d64a24b88ec4bdb42"  style="background: #f5f5f5;                                                                                                          border: 2px solid #007886;                                                                                                          text-decoration: none;                                                                                                          padding: 7px 40px;                                                                                                          color: #007886;                                                                                                          border-radius: 0px;                                                                                
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                    <!--[if mso]> <i style="letter-spacing: 25px; mso-font-width:-100%; mso-text-raise:30pt" hidden>&nbsp;</i><![endif]--> 
                    <span style="mso-text-raise:15pt;">Get the outlook</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><![endif]--> 
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                        <a href="https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde714d0875aabdcc452bb42f3aa6917f62b84adcc94e87750345e3e7fca5150983c541971f9517bc435deb844c25f297500ccfa45e483689af1" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/eb0c7e79-2873-45ad-b5a2-774eab078903.jpg" width="300" alt="Article 3 Image" style="display:inline-block;width:100%;height:auto; max-width:300px;" border="0"></a>
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                  <!--[if mso 16]></td></tr></table><table cellpadding="0" cellspacing="0" width="280" align="left"><tr><td><![endif]-->
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                              <p style="margin-top:0;                                         margin-bottom:24px;                                         font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">Historically, rate-cutting cycles have been associated with lower U.S. Treasury rates. But not this time.</p>
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<a href="https://click.afs.ameriprise.com/?qs=2f5c26c96a8fcde714d0875aabdcc452bb42f3aa6917f62b84adcc94e87750345e3e7fca5150983c541971f9517bc435deb844c25f297500ccfa45e483689af1"  style="background: #f5f5f5;                                                                                                                              border: 2px solid #007886;                                                                                                                              text-decoration: none;                                                                                                                              padding: 7px 40px;                                                                                                                              color: #007886;                                                                                                                             
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                                  <span style="mso-text-raise:15pt;">Find out why</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><![endif]--> 
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                        <div class="button-padding"><!--[if mso]>   <v:rect xmlns:v="urn:schemas-microsoft-com:vml" xmlns:w="urn:schemas-microsoft-com:office:word" href="https://www.ameripriseadvisors.com/scott.durrett/market-and-economic-insights/?video=d4cf891da92cbd94b1e3b76bb372c91b4b20bd18&CID=MOD_ME_0325_P_4" style="height:80px;v-text-anchor:middle;width:190px;" strokecolor="#ffffff" fillcolor="#3fa39a" strokeweight="3px">     <w:anchorlock/>     <center style="color:#ffffff;font-family:sans-serif;font-size:13px;">Watch the video</center>   </v:rect> <![endif]-->
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                    Scott Durrett </div>
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                   Dalton and Associates </div>
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                     A private wealth advisory practice of Ameriprise Financial Services, LLC </div>
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            Scott Durrett</td></tr><tr>
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            Financial Advisor<br>
             Associate Vice President<br>
              Dalton and Associates<br>
             A private wealth advisory practice of Ameriprise Financial Services, LLC&nbsp;</td></tr><tr>
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            &nbsp;</td></tr><tr>
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               2029 Century Park E Ste 2550<br>
             Los Angeles, California 90067-2936<br>
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             Office Phone: 562.308.4526<br>
              Email: scott.durrett@ampf.com<br>
              Website: https://www.ameripriseadvisors.com/scott.durrett </td></tr><tr>
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            AR License # 17721044<br>
             CA Insurance # 0K48038<br>
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