Services
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We primarily serve affluent families who are interested in award-winning, family-focused wealth management services. However, we also work with business owners and individuals. We work with Stifel's investment bank, engaging investors in creating succession plans or exit strategies. Our goal is to gain a deep understanding of your overall financial situation, addressing cash flow, asset management, legacy planning, philanthropy goals, and tax review needs. Our services also include insurance planning, long-term care insurance, consulting services, and much more.
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Services Overview
Strategic Wealth Management & Financial Planning
This is a comprehensive review and planning process that addresses your financial needs. We begin by getting to know you, your family, your career, your hobbies, and other interests, as well as short- and long-term goals. Through Stifel's robust financial planning resources, such as Money Guide Pro, we'll work as a team to clearly define those goals and to develop a customized strategy to pursue them.
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.
Consulting Services - Summit Program
The Stifel Summit Program allows us to serve clients who are seeking investment-related guidance for assets held at a custodian other than Stifel. Clients with assets held away from Stifel that may benefit from a Summit relationship include:
Municipalities
Endowments
Foundations
Taft-Hartley programs
Corporations
High-net-worth individuals
Family Learning
Wealthy families like yours face unique life challenges that the typical wealth management process may not address appropriately; that's why we specialize in educating you on a variety of financial topics, such as the importance of establishing trusts, shifting tax laws that may impact your estate and legacy plans, savings in your youth, and memorializing your family.
Trust & Estate Planning Strategies
We address the needs of your estate, from helping families implement estate planning strategies, to legacy planning, gifting, or assisting with family governance and wealth plan concerns. We will also pair appropriate third-party trustees with your trust accounts and assist in selecting an appropriate advisory strategy for managing trust assets.
Private Banking
We offer a comprehensive suite of cash management and lending services to integrate your day-to-day liquidity needs with your long-term ambitions.
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.
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.
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 the potential risks of a Stifel Pledged Asset (SPA) Line of Credit
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.