Comprehensive 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.
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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 |
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| 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 |
Understanding the Bond Market
As markets become volatile, many investors turn to bonds as an alternative to stocks. While bonds can play an integral role in a well-diversified portfolio, investors should fully understand their characteristics before investing. Bonds are often deemed a "safe" investment. However, investors need to be aware that bonds, like all investments, do carry some risk, and those risks need to be considered carefully.
Municipal Bonds
Just as the federal government needs funds to operate, local governments and public entities, such as school districts, often issue municipal bonds to meet their financial needs. Municipal bonds can be issued by states, cities, towns, or public commissions to provide money for schools, hospitals, and other public works. These securities provide income that is free of federal and, in some cases, state and local taxes. (Although income generated by most municipal bonds is exempt from taxes, any capital gains earned from the sale of bonds are subject to all federal and most state tax laws and certain bonds may be subject to the alternative minimum tax.)
Corporate Bonds
Corporate bonds, unlike U.S. Treasuries and municipal bonds, are fully taxable and may carry greater risk. At the same time, they may offer higher returns than tax-advantaged bonds. Corporate bonds are issued by corporations in the need of capital and are typically issued in denominations of $1,000 with terms of 1 to 30 years. Unlike stocks, bonds do not give the holder ownership interest in the corporation, as they are simply a tool used to lend the corporation funds they need to meet their goals.
Because corporate bonds generally carry greater risks than government and municipal bonds, it is critical that investors understand the quality of the bond they are considering for investment. To evaluate the credit quality of a bond, investors can look to organizations that rate various corporate bonds, such as Moody's Investors Service and Standard & Poor's. Those bonds rated Baa or above by Moody's and BBB or above by Standard & Poor's are considered investment-grade. Bonds rated below investment grade are considered more speculative and carry greater risk.
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.