Our Focused Services

Retirement Distribution Options      

Recently retired or changed jobs?  We can help you explore all your options, such as rolling your 401(k) into an IRA to be professionally managed.  This is a tax-sheltered event and allows you greater flexibility with your retirement dollars.  Also, you have access to seasoned investment professionals and all the resources of a nationally leading investment firm.


Retirement Planning Strategies

Are you on track for your retirement goals?  Worried if you will have enough income to last your life?  What if the market drops?  Could you still retire with your desired lifestyle?  We'll assist you in understanding where you are today, what will be required for retirement, and what you will need to do between now and then.  The time to create a retirement plan is well before your retirement date!


Seeking to Build and Mitigate Risk to Generational Wealth

Do you have significant income or have received a sudden windfall?  We can help you to grow and implement risk management strategies to your wealth to help ensure it lasts for generations to come.  Some financial situations are more complicated than others.  We have the resources of Stifel Trust Company (for managing trusts), Stifel Bank (full banking and lending capabilities), a nationally recognized equity research department, and highly knowledgeable wealth planning professionals.  For more complicated situations, our team can utilize the full breadth of our firm's capabilities to help manage your generational wealth.


Individual Retirement Accounts

Do you need to save for retirement but aren't sure where to start, how much risk you should take, or where you should invest?  We have helped clients save, invest, and prepare for their retirement.


General Investment Accounts/Portfolio Assessments

The world of investments is vast and confusing.  Stocks, bonds, mutual funds, exchange traded funds (ETFs), options, and annuities – what is the right investment for you?  We help our clients navigate these waters and guide them as things change.   


SEP and SIMPLE Plans

Are you a small business owner/sole proprietor?  You could be saving for yourself and/or your employees in retirement plans designed just for you.  We help business owners decide the most cost-effective plan for their needs and how to save the most for their retirement.


Education Planning

Do you have kids and/or grandkids that you would like to help send to college?  Thinking about just a regular savings account?  There are many college savings alternatives, some which provide certain tax advantages.  We'll assist you in assessing the various alternatives and establishing a savings plan for providing the needed funds for when the time comes.



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Decisions to roll over or transfer retirement plan or IRA assets should be made with careful consideration of the advantages and disadvantages, including investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and your unique financial needs and retirement planning.  Neither Stifel nor Stifel Financial Advisors provide recommendations with respect to rollovers from an employer-sponsored retirement plan.  Once you inform your Stifel Financial Advisor that you have chosen to roll your retirement assets to an IRA with Stifel, your individual investment needs can be addressed.  You should consult with your tax advisor regarding your particular situation as it pertains to tax matters.

Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust. Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A.

Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.
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.

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.

Understanding Your Stifel Pledged Asset (SPA) Loan:
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