Stifel 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 | Stifel 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.
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 Stifel Pledged Asset (SPA) Loans:
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.