How We Serve You

What Can We Do for You and Your Family?

Our clients view their wealth through a diverse array of choices and issues.

We bring our full suite of capabilities to answering them.

We always begin by listening to you first, so we can develop a strategy that is tailored to you.

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 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.

What's On Your Mind?

Investment Planning Process

Listen
Listening to you is the foundation of our investment planning process. We begin by understanding your personal situation including your goals, risk tolerance, tax situation, cash flow needs, and other important factors. This is opposite of the one size fits all approach.

Analyze
We gather and analyze your financial information to develop a snapshot of where you currently stand and determine your strengths and weaknesses.

Plan
Based on the information provided and our ongoing dialogue with you, we leverage the combined knowledge and experience of The Elkhart Group and their resources to develop afully comprehensive investment plan. With your permission, we also coordinate with your existing advisors, including accountants and attorneys, when necessary.

Implement
Selecting from a wide array of alternative investment platforms and complementary vehicles, your plan is put into action in the most transparent, cost efficient, and tax effective manner.

Monitor
Your investment plan is monitored on an ongoing basis, and adjustments are made when needed.

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

Your Team For the Future

For then, for now, for the future - a single point of access for managing you and your family's goals.

With a focus on legacy planning, we will coordinate with your attorneys and accountants when appropriate or requested, to produce powerful and lasting results for next generations.

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How We Serve You