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  • How Advisors and Clients are Responding to the 2025 U.S. Tariffs

How Advisors and Clients are Responding to the 2025 U.S. Tariffs

New U.S. tariffs in 2025 sparked client anxiety across Canada. The latest Advisor Perception Study reveals advisors balancing concern with resilience and underscores the need for clear insights and communication tools to guide investors through volatility.

Posted on:   Wednesday Nov 12th 2025

Article by:   Arzum Gulercan


When the U.S. administration introduced 25 per cent tariffs on Canadian goods in March 2025, targeting key sectors such as automotive, lumber, and agriculture, the effects were felt far beyond the trade corridors. For financial advisors across Canada, the news prompted a wave of client questions and market anxieties – and reinforced the need for calm, informed guidance.

The 2025 Advisor Perception Study (APS), one of the industry’s most extensive and long-running surveys of independent financial advisors, provides insight into these dynamics. Now in its 30th year, the APS profiles advisors and their clients, tracks performance of financial firms across 46 core dimensions, and monitors brand equity of insurance and investment companies as well as specific drivers of sales and support. This year, 3,106 advisors participated in the study, offering a comprehensive view of advisor sentiment across Canada at a time of heightened uncertainty and volatility.

Given the potential implications of the new trade measures, the 2025 APS included a module with targeted questions on U.S. tariffs, designed to understand how both advisors and their clients were reacting to the new trade measures. The findings shed light on the influence of economic policy developments on investor sentiment, the nature of client-advisor conversations, and the types of support advisors find most valuable during times of uncertainty.


A mix of concern and caution among clients and advisors

When we asked advisors to describe their clients’ and their own reactions to the U.S. tariffs, they most frequently selected descriptors indicating caution and concern.

Clients expressed:

Concern

Uncertainty

Anxiety

Advisors expressed:

Concern

Uncertainty

Resilience

We categorized specific reactions as emotionally positive, neutral, or negative. Our analysis found that the vast majority of advisors (81%) reported at least one negative reaction from their clients.

On the other hand, advisors’ own feelings and emotions were notably less negative than their clients’, with 58 per cent selecting at least one negative reaction. Advisors were more likely than clients to report feelings of resilience and optimism, despite significant uncertainty and concern.

Advisors in the Gen Z/Millennial cohort and those with shorter industry tenure were more likely to describe themselves as resilient and less likely to express feelings of concern, frustration, and anger compared to older and more experienced advisors. Bank brokers were more likely to express concern, frustration, and anger compared to other advisor types.

Key Takeaway

Although negative or anxious reactions were most common, a notable share of advisors also selected positive traits such as “resilient” and “confident,” suggesting that many professionals view volatility as an expected part of their work rather than a cause for alarm. This balance of composure and realism reflects the dual role advisors play—as interpreters of market news and as anchors of client confidence.


Clients seeking clarity on economic and portfolio impacts

The survey also explored what specific topics clients wanted to discuss following the tariff announcement.

The most commonly raised topic, according to advisors, was “How U.S. tariffs could affect their investment portfolios.” This matter was raised by 55 per cent of clients overall, and by 60 per cent of clients who showed at least one negative reaction.

of clients raised concerns around Implications for retirement savings.
of clients raised concerns around Long-term financial goals, Portfolio security/peace of mind, and Global economic concerns.
of clients expressed interest in Opportunity-seeking and sector specific questions.

Advisors who reported more negative reactions among their client bases tended to report all topics at higher rates than those with more positive/neutral clients.

Client questions and responses varied somewhat depending on advisors’ practices: younger advisors (Gen Z, Millennials) got more questions on opportunities and risk management, while Boomers saw a higher focus on retirement security. Advisors with large client books reported more questions on global market impacts and overall portfolio strategy. Advisors with higher assets under management were more likely to receive nuanced questions about ways to capitalize on opportunities and requests for strategic advice on potential gains and risks.

Key Takeaway

Clients were not necessarily reacting out of panic but were looking for clear, factual explanations of how the tariffs might affect their long-term investment outlook.


Advisors calling for timely insights and communication tools

In the open-ended portion of the survey, advisors shared what kind of support they would find most valuable when addressing client questions about tariffs.

A common request was for client-friendly, simple, and shareable material – summaries, one-pagers, infographics, and talking points, that help communicate complex information clearly and efficiently.

Advisors also emphasized the need for regular, timely and unbiased communication through market updates, newsletters, and commentary that evolve as situations change.

In addition, they called for direct access to expert opinions – portfolio managers and economists who can put market shifts into context and outline strategies to manage portfolios through volatility.

Many also pointed to the value of historical data and market context – showing how similar events played out – to reassure clients and reinforce a long-term perspective.

Finally, advisors highlighted the importance of education and behavioral coaching tools to help them guide clients during periods of volatility with greater confidence and empathy.

Key Takeaway

Overall, advisors are looking for clear, ready to share insights, expert guidance grounded in market experience, and educational tools that help them manage both portfolios and client emotions.


Navigating uncertainty with information and empathy

The 2025 U.S. tariffs serve as a reminder that market volatility can be driven as much by political decisions as by economic fundamentals. For financial advisors, such events underscore the importance of remaining composed and providing measured guidance even in uncertain conditions.

For investment and insurance companies, the results highlight an opportunity: to support advisors with timely insights and practical tools (such as client-facing materials, scenario models, training), that help them guide their clients through periods of uncertainty or volatility.

By providing this kind of proactive support, companies will not only help advisors strengthen client confidence and loyalty but will also improve their own brand image in the eyes of the advisors. Empathy and responsiveness in times of uncertainty will strengthen the perception that these companies have a deeper understanding of the challenges advisors face and will position them as trusted, long-term partners rather than just product providers.

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Arzum Gulercan

Senior Research Analyst – Financial Services


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