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A Long-Term View

In the spirit of doing what’s best for each client, we seek to look several steps beyond your present situation, working to identify future opportunities and issues that may arise.  By doing so, we can take proactive measures now to help position you toward your goals or potentially avoid costly situations down the road.

Disciplined Strategies

Calling on our years of investment management experience, we develop goal-based strategies tailored to your needs.  As heavy consumers of intellectual capital, from both inside and outside our firm, we construct high-conviction portfolios using a patient, disciplined, and systematic approach.

Robust Cost Management

We believe that investment returns, while important, are just one aspect of overall performance. When left unmanaged, expenses can significantly erode even the strongest returns.  Therefore, we make every effort to minimize fees and taxes when developing strategies for our clients.

The Importance of Timing

We also recognize the role timing can play when it comes to transferring wealth to heirs.  Our estate planning services are set up to help you leave a legacy in the most tax-advantaged way possible.

Engaging Resources

We engage and leverage Stifel’s broad resources as dictated by each client’s particular circumstances.  Our services run the gamut to address your personal and professional financial needs, from a full range of lending services (including securities-based lending) to capital-raising capabilities and corporate stock options.

Stifel does not offer 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.  All are wholly owned subsidiaries of Stifel Financial Corp. and affiliates of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE.  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.  Neither Stifel Banks nor affiliated companies provide legal or tax advice.

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: