Process & Services

Our wealth management process consists of six steps. These steps give us an understanding of your current situation, the choices available to you, and the action steps needed to pursue your goals.

The process involves gathering your relevant financial information, examining your current financial status, determining your goals, formulating a plan that works towards your goals based on your current situation and future plans, and continually evaluating your plan and goals throughout the years.

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


"The future belongs to those who plan for it."

After your long-term goals have been defined, we recommend the appropriate choice of investments based on your goals. We take your entire asset base into consideration so your wealth management plan is complete.


We believe that how successfully you invest your money will determine the degree of financial security you will enjoy in the future.


We also believe continuous evaluation of your plan is important since variables can change, such as employment.


Few things are more vital to your security than knowledgeable wealth management planning. You can take control of your financial future by:

  1. Developing a sound investment plan offering the greatest opportunity for achieving your goals;
  2. Executing that plan;  
  3. Periodically reviewing that plan and making adjustments for changing financial objectives.


An Example of How We Can Help You Take Control of Your Finances:

Assess Your Financial Situation

  • Take inventory of assets, including retirement plans
  • Evaluate your income stream

Define Your Goals

  • Buying a house
  • Investing for education
  • Saving for retirement

Calculate Funds Needed

  • Inflation
  • Risk tolerance

Create a Portfolio to Address Your Investment Goals

  • Allocate funds among appropriate investment categories

Monitor Portfolio

  • Respond to changes in objectives
  • Fundamental changes in portfolio (values)


Wealth Management Services

Stifel's services chart.


Stifel does not offer legal or tax advice.  You should consult with your legal and tax advisors regarding your particular situation.

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.