Our Services & Process

Our Services & Process

 

We are supported by Stifel's robust capabilities to address our clients' needs.

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 Wealth Tracker
(online account access)		 Selecting a
Third-Party
Administrator		 Municipal Finance  
 
 
 
 
What these services mean, in further detail:
 

Wealth Planning

We understand that you have a unique set of circumstances that shape your financial goals and objectives. Our holistic approach to wealth planning leverages the knowledge and expertise of Stifel’s experienced professionals to address all aspects of your financial situation. The financial planning process provides you the opportunity to assess financial and non-financial assets, saving and investing practices, and the ability of these to meet your stated long-term financial goals.

 
 

Education Planning Strategies

We develop strategies for the many ways to save for a child’s education, including college savings plans, Coverdell Education Savings Accounts, and UGMA/UTMA Accounts.

 

Asset Management

Using Stifel’s planning capabilities, we’ll analyze your particular investing behaviors, individual preferences, and the asset classes that align with your risk tolerance and customized investment plan. Our asset management affiliates employ a diverse range of active equity, fixed income, asset allocation, and alternative investment strategies.

 

Annuities

Through Stifel’s insurance-licensed associates, we can assist you in the customized selection of fixed and variable annuities best suited for your individual needs. We can discuss in detail the types and benefits of annuities and how they may fit into your portfolio. Stifel has relationships with numerous quality insurance companies.

 
 

Estate Planning

Estate planning encompasses more than the distribution of your estate to your heirs. It is a process designed to identify the best way to accumulate, preserve, and pass your wealth by implementing a plan to meet all of your objectives. A carefully prepared estate plan can help you address lifetime management issues and ensure you are financially prepared to meet with an estate planning attorney.

  

Social Security

When it comes to Social Security, the right planning can pay off. We are equipped to help you take full advantage of your retirement benefits through a personalized Social Security Optimization Report. The report shows an optimal strategy for claiming Social Security benefits in order to maximize lifetime benefits. The optimal strategy can be compared to other strategies that may be under consideration, providing the information needed to make an informed decision.

  

Tax Planning

Understanding the current income tax code is no easy task. Our tax planning professionals help you better understand federal and state income taxes and how they may impact particular investment strategies. Our goal is to help interpret the tax code as it relates to your investments and to provide you with proactive tax planning ideas to discuss with your tax advisor.

  

Philanthropy

We can work closely with you to fulfill your philanthropic endeavors in a tax-efficient manner through charitable giving strategies, including endowments, private foundations, and donor-advised funds. While Stifel does not provide legal or tax advice, we work in tandem with your CPA and estate attorney to bring light to complex issues that you may not have considered.

  

Banking, Lending, and Trust Services

We take a collaborative approach to lending, cash management, and trust services to complete your full financial picture. Stifel Bank provides access to a variety of lending program to meet your ongoing liquidity needs. Stifel Trust can help pair you with appropriate third-party trustees for your trust accounts as well as assisting in selecting an appropriate advisory strategy for managing trust assets.

 

Retirement Planning

Whether you are early in your career or actively contemplating retirement, a business owner or an individual, it’s never too late to put a plan of action into place. We can help you find the right plan and the right investments to help pursue your retirement goals.

 

Investment Banking

Our investment bank is a leader in the middle market, which gives us a unique perspective on emerging managers on our platform. We also engage with our investment banking group to help evaluate these entrepreneurial companies and participate in offerings when private direct investments are available. If your business is in need of capital to help fuel growth or assistance in realizing shareholder value, Stifel stands ready to provide you with the insight and expertise you require, along with a wide range of investment banking services.

 

Cash Management

We offer a comprehensive suite of cash management services to integrate your day-to-day liquidity needs with your long-term ambitions. While great for the occasional payment, these solutions are also an attractive alternative to a traditional bank.


 
 
What's On Your Mind?

We work with our clients to address a wide range of questions and goals.

 
Wealth Management Process

Listen
Listening to you is the foundation of our investment planning process. We begin each client's investment plan with a thorough understanding of you - where you are now and your long-term goals. We do this by understanding your personal situation which also includes your 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 Stifel's resources to develop a fully 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

 

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.