In today’s information-overloaded world, it’s easy to feel overwhelmed by the constant barrage of financial advice – much of which can be misleading or outright incorrect. Financial Detox cuts through that noise, providing clear, actionable insights to help you make better financial decisions and avoid common pitfalls.

The graph used in this presentation is for illustrative purposes only and does not reflect actual model performance.

Periods of market volatility can tempt even the most seasoned investors to act on emotion. When the news is negative and headlines dominate with fear, it’s natural to want to “do something.” But often, the most productive step is simply adhering to the disciplined process already in place – and one of the quiet strengths of that process is tolerance band rebalancing.

At IDA Wealth, we don’t wait for chaos to adjust portfolios. Instead, we’ve designed proactive guardrails that help manage risk in a systematic way – so decisions are rooted in math, not emotion. These guardrails are known as tolerance bands.

The Tolerance band targets used in this presentation are for educational and illustrative purposes only and are subject to change without notice.

What Is a Tolerance Band?

Imagine your investment portfolio like a well-balanced recipe. If one ingredient (say, U.S. equities) grows disproportionately, it throws off the mix. Tolerance bands act like boundaries around each ingredient. When an asset class moves too far outside of its predefined range – either too high or too low – it triggers a rebalance. This means selling what’s overweight and buying what’s underweight, bringing the allocation back into alignment with your long-term goals.

Why This Matters Right Now

Recent market swings have put many portfolios to the test. Some assets have climbed more than expected, others have fallen. Without discipline, many investors would chase what’s up and abandon what’s down. But our process encourages the opposite – buying low, selling high – through consistent rebalancing within bands.

This isn’t market timing. It’s a way to reduce emotional decision-making and maintain a healthy risk balance – something especially important in today’s environment.

The Outcome?

Historically, tolerance band rebalancing has helped reduce downside risk and enhance long-term returns by ensuring portfolios don’t drift too far from their intended design. It’s quiet, effective, and repeatable — the exact kind of strategy that thrives in uncertainty.