New Model Investment Portfolios

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I hope this message finds you well.

I’m reaching out to share an important update regarding your investment portfolio with

Monarch.

Over the past three months, our team has been diligently working behind the scenes to

develop a refreshed set of model portfolios. We are now in the final stages of this

process, and these new models will begin rolling out over the next month. All client

accounts currently aligned with our model portfolios will be transitioned accordingly.

Please note that this change does not apply to RESP, RDSP, or FHSA accounts.

These portfolios have been carefully designed by Kyle and myself, specifically for our

clients, and will be reviewed and adjusted on a quarterly basis moving forward to ensure

they remain aligned with market conditions and your long-term goals.

We also want to take a moment to acknowledge recent performance. While our

previous models performed strongly in 2022—particularly in terms of downside

protection—they delivered more modest results in 2023 and 2024, and have

underperformed in 2025 relative to broader benchmarks. While overall performance this

year has been reasonable, it has not met the standard I set for our portfolios. I take this

seriously, and in response, have made the strategic decision to evolve our approach to

better align with today’s dynamic and rapidly changing markets.

There will be no transaction fees or additional costs associated with the transition to

these new models.

Above all, this change reflects our ongoing commitment to you. We deeply value the

trust you’ve placed in us and remain focused on delivering the best possible outcomes.

While no strategy is ever flawless, our promise to you is to remain proactive,

transparent, and fully invested in your success.

Thank you, as always, for your continued partnership. If you have any questions or

would like to learn more about the new portfolios, please don’t hesitate to reach out.

We’ll also be sharing back-tested performance data on the updated models

shortly—and I’m confident you’ll be excited about the direction we’re heading.

Talk Soon,

– Matthew Ramadan

Schedule a call

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This material, intended for the exclusive use by the recipients who are allowable to receive this document under the applicable laws and regulations of the relevant jurisdictions, was produced by and the opinions expressed are those of Spear Financial as of the date of this publication, and are subject to change based on market and other conditions. The information and/or analysis contained in this material have been compiled or arrived at from sources believed to be reliable but Spear Financial does not make any representation as to their accuracy, correctness, usefulness or completeness and does not accept liability for any loss arising from the use hereof or the information and/or analysis contained herein. The information in this document including statements concerning financial market trends, are based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons.

All overviews and commentary are intended to be general in nature and for current interest. While helpful, these overviews are no substitute for professional tax, investment or legal advice. Clients should seek professional advice for their particular situation. Past performance does not guarantee future results.

Stocks, bonds and mutual funds are offered through Monarch Wealth Corporation. Insurance products and services are offered through Spear Financial.

Monarch Wealth Corporation is a member of the Canadian Investor Protection Fund

Stocks, bonds and mutual funds are offered through Monarch Wealth Corporation. Insurance products and services are offered through Bowyer Financial. Banking products and services are offered through referral.

STATEMENT OF CONFIDENTIALITY The information contained in this email message and any attachments may be confidential and legally privileged and is intended for the use of the addressee(s) only. If you are not an intended recipient, please: (1) notify me immediately by replying to this message; (2) do not use, disseminate, distribute or reproduce any part of the message or any attachment; and (3) destroy all copies of this message and any attachments.

We appreciate your interest in our newsletter and hope you find our topics of continued interest.

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New Model Investment Portfolios

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