Process & Services

Stifel's wealth management process consists of six steps that help get an overview of your current situation, choices available, and what must be done to pursue goals. The process involves gathering relevant financial information, determining your organization's goals, examining current financial status, and formulating a strategy or plan for how to work toward goals given the current situation and future plans.
• Take inventory of assets, including retirement plans
• Evaluate your income stream
• Buying a house
• Investing for college education
• Saving for retirement
• Inflation
• Risk tolerance
• Allocate funds among appropriate investment categories
• Respond to changes in objectives
• Fundamental changes in portfolio (values)
Stifel encourages investors to take control of their financial future. We have developed several services that are designed to help investors with many of the time-consuming details involved in investment planning and supervision.
Like a road map, an investment plan directs to a destination. The map, like the plan, isn't useful until the destination has been decided — or in the case of investing, the long-term goals defined.
Setting specific goals is the most important step taken when developing your plan. A discussion of financial objectives and goals will provide an understanding of what hopes to be achieved. Any information discussed with Stifel Financial Advisors is kept confidential.
After the long-term goals have been defined, all that remains to be done is deciding the right mix of investments. The entire asset base must be considered. If part of a portfolio is not taken into account, a false picture will be presented.
One can potentially determine how much money can be accumulated over a lifetime from employment or other sources. That amount will remain constant as long as the variables do not change, such as employment. How successfully you invest your money may determine how you live during retirement.
Few things are more vital than knowledgeable investment planning. You can take control of your financial future by:
1. Developing an investment plan offering the greatest potential opportunity for pursing your financial goals;
2. Executing that plan;
3. Periodically reviewing that plan and making adjustments for changing financial objectives.
Investment planning and supervision can be time-consuming, but knowing a long-term investment plan is in place may help with your financial goals.
Because this process takes time, Stifel has designed various services to help investors with many of the details involved in investment planning and supervision.
WEALTH MANAGEMENT SERVICES
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 & 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.
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.