Comprehensive Wealth Management
Our
comprehensive wealth management services include:
- Estate planning strategies
- Retirement planning
- Life insurance analysis
- Long-term care and disability insurance
- Social Security planning
- Income planning and distribution management
- Required minimum distribution (RMD) management
College and Higher Education Planning
We also offer
college planning services, which include:
- College funding analysis
- Consultation on different investment accounts – 529 plans, Coverdell Education Savings Accounts, and UGMA/UTMA accounts
Cash Management Services
We provide access to
cash management and banking services, which include:
- Check writing
- Online/mobile access to accounts
- Mobile deposits
- E-statements and confirmations
- Debit and credit cards
- Online bill payment services
- Securities-based lending
Stifel does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.
Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust (collectively 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
www.stifel.com/Lending#Disclosures
Employer-Sponsored Plans
We incorporate
employer-sponsored plans by offering:
Complimentary investment analysisAsset allocation reviewAssistance with selecting a provider for administration of 401(k), 403(b), 457, profit sharing, and small business retirement plans
Asset allocation does not ensure a profit or protect against loss.