This Is The One You Can’t Ignore

You’re Out of Time—Now What?

Insiders,

I know I come off hard. That’s not going to change.

You’re not getting another soft nudge. This is the email you’ll remember six months from now when the headlines read “Worst Drawdown Since 2008” and your portfolio has bled 30%.

Because here’s the truth: I already told you this was coming.

I wrote you in March and said, stop what you’re doing. I said, don’t wait for permission. I told you to hedge, raise cash, and get out of fantasyland. But some of you hesitated. You told yourself, “It’ll come back. I’ve got time.”

No, you don’t.

The market just confirmed what I warned you about—and it’s only getting worse.

Let’s look at what’s happening right now:

Hope is not a strategy.

I’ve heard this line a thousand times:

Your advisor? They’re not in this storm. They’re in the office, calming nerves. They’re doing what they did in 2008—downplaying, sugarcoating, and managing losses.

I had a coach on the baseball field text me the other day:

That’s someone who listened. That’s someone who moved.

Those of you who took the March warning seriously—congratulations. You’ve preserved capital. You’ve earned flexibility. Now it’s time to deploy smartly while others panic.

Let’s pull back the curtain. This isn’t some dip before the bounce.

This is a structural shift. Every article, every economic outlook is screaming the same thing:

According to Forbes and KKR, the traditional 60% stocks / 40% bonds model is a dinosaur. In today’s market?

The new normal? 40/30/30. And even that’s not enough if you don’t know what’s under the hood.

You think holding 15 stocks makes you safe? Think again.

A study from the CFA Institute shows that small-cap and non-dividend portfolios need far more holdings to meaningfully reduce volatility. Meanwhile, most of your portfolios are still concentrated in the same tech-heavy, mutual fund-lagging, Fed-dependent garbage that’s now unraveling.

Still hanging onto the “home prices can’t fall” narrative? Read Ben Carlson’s research. The housing market is frozen—not falling yet—but it’s being held up by artificial scarcity, not strength.

This isn’t resilience. It’s a standoff. And when the standoff breaks—prices will fall hard.

Here’s what I’m hearing lately:

Let me be clear: Most of you don’t have time.

The people who win in these moments move early—not when CNBC starts talking about it. By then, it’s too late. The easy money’s gone. The damage is done.

– The market isn’t done falling.
– Tariffs, twin deficits, and labor shifts are long-term headwinds.
– You need to reassess EVERYTHING. Your allocation. Your income strategy. Your risk exposure.

And you can’t do that with the same plan you had in 2021.

This isn’t about me. This is about you. Your future. Your family. Your legacy.

You can ignore the warning signs again. Or you can get on a 15-minute call with me or one of my Investment Relations Associates right now and see your financial life on an Asset Map. Not a guess. Not a generic PDF. A plan built in real-time that shows where you’re exposed, and where you can win.

Stop being passive. Start leading.

We lead. Others follow.

You’ve been given more insight, more data, and more warning than anyone else. You know what’s happening. Don’t be the investor that watches it happen.

Be the one who makes the right move while others wait for permission.

Book the call. Get the clarity. Take control.
Because this storm? It’s not done. And if you’re still hoping for blue skies… you’ve already lost.

Let’s move.

– Mehdi Amini
CEO, United Legacy