Photo of a lighthouse landscape.Clarity

We will communicate with clarity and transparency. We will ensure that you have a clear understanding of our process and the components of your plan.

 

 

Photo of a reflective lake.Objectivity

We provide unbiased strategies.  Through Stifel's advisory platforms, we have access to the full spectrum of investment and financial strategies to best serve you and your family.

 

 

Photo of a purple flower being held.Personalized Attention

Your wealth management strategy will be uniquely tailored to your objectives, and we believe it will be delivered with exemplary service and communication.

 

 

 

Photo of docked boats on a lake with mountains in the distance.Holistic View

We help you consider your finances comprehensively.  We'll employ the appropriate wealth management planning stratgies to ensure that your investment, tax, risk mitigation, and issues surrounding estate planning goals are working in concert.

 
 

Discovery

A successful wealth management plan is based upon a complete understanding of the objectives, values, and passions that motivate you and your family. Our work begins with a complete understanding of your goals and aspirations, your family circumstances, your time horizon, and expectations you have of our relationship. We quantify your resources, income requirements, your feeling about risk and return, and other unique circumstances.

Evaluation

Based on our understanding of your objectives, we thoroughly assess your current situation. Your existing strategies are reviewed for quality and efficacy. Because wealth management is multi-dimensional, we consider how your investment strategy correlates with your tax status, your retirement plan, your estate objectives, and any risk management constraints that influence your financial well-being.

Portfolio Guidelines

The cornerstone of an investment plan is formalized portfolio guidelines. We work with you to establish portfolio guidelines that unify your objectives, risk tolerance, return expectations, and other elements of our investment strategy. These become an essential part of our path forward, and are used to help you pursue your goals.

Implementation

It is in this stage that we believe the best elements of our team come together for you. Our investment process is based on in-depth research and analysis of the financial markets. Investment strategies are vetted to ensure quality and suitability. Investment strategy – often subject to rigorous debate – is based on our team's consensus on the essential disciplines of asset allocation, investment selection, and rebalancing. Your asset mix incorporates your risk tolerance, tax status, objectives, and other variables.

Ongoing Review

The investment process is not static; it is dynamic. Periodic updates, educational outreach, and ongoing communication allow us to monitor your progress. As your personal circumstances and market conditions are always changing, we continually seek ways to improve your plan. We welcome the opportunity to coordinate with your tax and legal advisors.

 


 

 

Our services cover all areas of financial management, from investment and retirement planning, to risk mitigation strategies and issues surrounding estate planning strategies.  We specialize in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables them to pursue both short- and long-term strategies.

Wealth
Planning
Estate
Planning
Retirement
Planning
College and Higher Education
Planning
Professional
Money
Management
Insurance &
Liability Planning
Asset Allocation
Analysis
Estate Plan
Analysis
Retirement Income
Planning
529 Plans Fee-Based
Advisory Programs
Business Owner
Needs
Comprehensive
Financial Planning
Charitable Giving Traditional &
Roth IRAs
Education
Savings Accounts
Access to Professional
Money Managers
Disability Insurance
Understanding
Social Security
Beneficiary
Review
IRA Rollovers
& Distributions
UGMA/UTMA
Accounts
Quarterly
Performance Reports
Life Insurance
Tax Planning Gifting & Estate
Tax Planning
Retirement Funding
Analysis
College Funding
Analysis
  Long-Term
Care Insurance
           
Corporate
Executive
Services
Business
Succession
Planning
Cash Management Retirement Plans
for Business
Investment
Banking
Banking, Lending, & Trust Services
Cashless Stock
Options Exercise
Life Insurance
Needs
Check Writing Choosing an
Appropriate Plan
Public Offerings
& Capital Raising
Securities-Based
Lending
Control & Restricted
Stock Transactions
Buy-Sell
Agreements
Visa® Debit Card Reviewing an
Existing Plan
Financial Advisory Visa® Credit Cards
Rule 10b5-1 Plans Estate Planning
Considerations
Bill Payment
Services
Choosing a 
Plan Provider
Mergers &
Acquisitions
Trust Management
& Administration
  Key Person
Insurance
Stifel Access
(online account access)
Selecting a
Third-Party
Administrator
Municipal Finance  

Stifel does not offer legal or tax advice.  You should consult with your legal and tax advisors regarding your particular situation.

Lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks).  Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, is affiliated with Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, and Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, each a wholly owned subsidiary of Stifel Financial Corp.  Unless otherwise specified, references to Stifel may mean Stifel Financial Corp. and/or any of its subsidiaries.  Unless otherwise specified, products purchased from or held by Stifel are not insured by the FDIC, are not deposits or other obligations of Stifel Banks, are not guaranteed by Stifel Banks, and are subject to investment risk, including possible loss of the principal.
 
Understanding the potential risks of a Stifel Pledged Asset (SPA) Line of Credit
Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel SPA Line of Credit.

The SPA Line of Credit is a demand loan using the assets in the account as collateral.  If the minimum required value of the collateral is not maintained, the account holder will be required to:  (1) post additional qualified collateral, (2) repay a portion or all of the debt, or (3) forfeit that shortfall in value of pledged assets to Stifel Bank & Trust.  If the call is not met, Stifel Bank & Trust can liquidate some or all of the assets in the SPA Loan Account.  If terms of the account are not maintained, Stifel Bank & Trust may call the loan due and payable.  Stifel Bank & Trust will attempt to communicate with you to determine the right course of action to alleviate a collateral shortfall. Stifel Bank & Trust has the right to sell securities as needed without your consent to meet a collateral call.

Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A. (Stifel Trust Companies), wholly owned subsidiaries of Stifel Financial Corp. and affiliates of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE.  Unless otherwise specified, products purchased from or held by Stifel Trust Companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Stifel Trust Companies, are not guaranteed by Stifel Trust Companies, and are subject to investment risks, including possible loss of the principal invested.  Stifel Trust Companies do not provide legal or tax advice.