Process & Services

Our process wheel: Establish and define relationship, Gather client information and data, Data Analysis and plan development, Present the plan, Adopt plan and create action plans, Monitor the plan

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.

Taking Control

Assess Your Financial Situation

• Take inventory of assets, including retirement plans
• Evaluate your income stream

Define Your Goals

•   Buying a house
•   Investing for college education
•   Saving for retirement

Calculate Funds Needed

• Inflation
• Risk tolerance

Create a Portfolio to Address Your Investment Goals

• Allocate funds among appropriate investment categories

Monitor Portfolio

• Respond to changes in objectives
• Fundamental changes in portfolio (values)

"The future belongs to those who plan for it."

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.

Asset allocation and diversification do not ensure a profit or guarrantee future results. There are no guarantees that the investment strategies mentioned will achieve their objectives.

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.

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.