Our 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 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		 Wealth Tracker
(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.

Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust.  Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.
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 Your Stifel Pledged Asset (SPA) Loan:
 
Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel Pledged Asset (SPA) Line of Credit.
 
Securities-based lines of credit involve risk and are not appropriate for all borrowers.  The SPA Line of Credit is a full recourse, demand loan using the assets in a brokerage account as collateral and can be called at any time.  An increase in interest rates will affect the overall cost of borrowing.  The return on your securities must be higher than your financing cost in order for you generate a positive return in your securities account.  The market value of your securities may decline, which may result in the value of that collateral no longer covering an outstanding loan amount.  In either event, the borrower may be required to post additional collateral and/or repay part or all of any outstanding loan.  Stifel Bank & Trust may call the loan, and sell or force the sale of the assets in the collateral account, or any other collateral, without contacting the borrower.  The borrower will not be able to select which securities will be sold.  The borrower can lose more assets than the borrower is required to deposit in the collateral account.  The borrower is responsible for satisfying any amount not covered by the collateral.  The borrower is not entitled to an extension of time to meet a collateral maintenance call.   
 
If collateral is sold, this could result in an unfavorable tax event for the borrower.  Neither Stifel nor our affiliates provide legal or tax advice.  Borrowers should consult with their legal and tax advisors.
 
Learn more about the potential risks involved with securities-based lending:  www.stifel.com/Lending#Disclosures 
 

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.