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From: "Scott Durrett" <scott.durrett@afs.ameriprise.com>
To: <danny@sterlingcal.com>
Subject: What interest rate cuts mean for your money
Date: Tue, 21 Oct 2025 07:05:41 -0600
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 Dalton and Associates
 
  
 

October 2025

 Prepared for: Danny Groina

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What interest rate cuts mean for your money

The Fed recently lowered its key policy rate for the first time since December 2024. How might falling rates affect your finances?

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Understand the impacts
   
 

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Moderating economic growth has some investors wondering if a downturn is imminent. Find out how today’s economic conditions compare to historical trends.

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Get our Q4 forecast

  
 
 
Q4 2025 outlook: The impact of interest rate cuts


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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 
  
 
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mailto:scott.durrett@ampf.com 

  
 
mailto:scott.durrett@ampf.com 
Email me 


  
 

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Office Locations 


  
 

  
 
 
  
 
 
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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 

  

    2029 Century Park E Ste 2550

  Los Angeles, California 90067-2936

 

  

  Office Phone: 562.308.4526562

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  .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;">Recession watch: Are we on the brink of a downturn?</div>
      <img src="https://click.afs.ameriprise.com/open.aspx?ffcb10-fe9615707267047573-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-ff3316727366&d=110049&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-->
        <div style="width: 200px; text-align: center;">
                  <a  href="https://click.afs.ameriprise.com/?qs=2507c09e5a511dc657bcb4ee1d31e0c2402430ac64d7026ae189a84e0a8a771d56f69566fa024f65d3489eb879f6c3006499fa069bd362cfea0dacb9ea400aa5" target="_blank"><img alt="PWA Team Logo" border="0" height="43" src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/d8f88d3a-66ca-479a-9629-21537266f7b2.png" style="display: block;" width="200"> </a>
                  <div style="text-align: center; color: rgb(95, 106, 114); line-height: 17px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 14px; mso-line-height-rule: exactly;">
                    Dalton and Associates</div>
                  </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>
      <td class="stylingblock-content-wrapper camarker-inner">
        <table border="0" cellpadding="0" cellspacing="0" class="dashedBorder" width="100%" style="padding-top:20px; padding-bottom: 20px;">
          <tr>
            <td align="center" valign="top">
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              <span style="font-family:Helvetica,Arial,sans-serif;font-size:13px;font-weight:400;line-height:1.5">October 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=2507c09e5a511dc608eb5e6d3f7ae332fe19a596940c35a830903131cd792e51eb16adda248bf4aeab47b7dd0998248393bb3eae9da4ccaf880787bec62a5700" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/5af2262e-17ec-463f-993e-5370987fe9f5.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;">The Fed recently lowered its key policy rate for the first time since December 2024. How might falling rates affect your finances?</p>
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<a href="https://click.afs.ameriprise.com/?qs=2507c09e5a511dc608eb5e6d3f7ae332fe19a596940c35a830903131cd792e51eb16adda248bf4aeab47b7dd0998248393bb3eae9da4ccaf880787bec62a5700"  style="background: #f5f5f5;                                                                                                            border: 2px solid #003D6D;                                                                                                            text-decoration: none;                                                                                                            padding: 7px 40px;                                                                                                            color: #003D6D;                                                                                                            border-radius: 0px;                                                                      
                                      display:inline-block;                                                                                                           mso-padding-alt:0;                                                                                                           text-underline-color:#003D6D"> 
                    <!--[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;">Understand the impacts</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=2507c09e5a511dc6bed1fd643252470cf4b029a8b982dd6bc5a161eec9912d7e439dea76965345b4d4f82204ce21765a5ab65c6ddd31a221468eddf9f62b5831" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/bfc652a5-5698-4054-a67b-2e47192f773f.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:20px;                           line-height:30px;                           font-family:'PublicoHeadlineRoman', 'Times New Roman', Times, serif;                           font-size:24px;                            font-weight:400;                            color:#053e6a;">Are we on the brink of a recession?</p>
                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">Moderating economic growth has some investors wondering if a downturn is imminent. Find out how today’s economic conditions compare to historical trends.</p>
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<a href="https://click.afs.ameriprise.com/?qs=2507c09e5a511dc6bed1fd643252470cf4b029a8b982dd6bc5a161eec9912d7e439dea76965345b4d4f82204ce21765a5ab65c6ddd31a221468eddf9f62b5831"  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;">Uncover the insights</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=2507c09e5a511dc65f99d4111a8b0ceb1c33d7cc39173ed9d01e4297429473d090a877df9d6c024d09587faa0090787d0d9b6c9acb4e6fad610a4581f1cbf990" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/08653489-116d-4907-8872-b0de9368fea7.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;">U.S. markets enter Q4 with momentum, but the bar for further gains is high. Can domestic stocks rise to the occasion?</p>
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<a href="https://click.afs.ameriprise.com/?qs=2507c09e5a511dc65f99d4111a8b0ceb1c33d7cc39173ed9d01e4297429473d090a877df9d6c024d09587faa0090787d0d9b6c9acb4e6fad610a4581f1cbf990"  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;">Get our Q4 forecast</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><![endif]--> 
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                        <a style="color: rgb(255, 255, 255); text-decoration: none;" href="https://click.afs.ameriprise.com/?qs=4c558270ad884c55cc4231e4a4382dc1ac371a8781786fc218b18f33ad74fa20462278f6594408c192e9f62ebaed9c5746badd6e79b80e442aafa389ec10a529"  target="_blank">&nbsp;</a>
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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=cd98dd50c50c72efb8817b5c68a0ea87e1820e9e&CID=MOD_ME_1025_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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            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?CID=MOD_27862_711 </td></tr><tr>
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            AR License # 17721044<br>
             CA Insurance # 0K48038<br>
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