Estate planning encompasses more than the distribution of your estate to your heirs. It is a process designed to identify the best possible way to accumulate, preserve, and pass your wealth by implementing a plan that aligns with all of your objectives. A carefully prepared estate plan can help you address lifetime management issues and ensure you are financially prepared to meet with an estate planning attorney.

Understanding the ever-changing income tax code is no easy task. Our tax planning professionals help you better understand federal and state income taxes and how they may impact particular investment strategies. Our goal is to help interpret the tax code as it relates to your investments and to provide you with customized tax planning ideas to discuss with your tax advisor.

 

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.

Whether you are early in your career or actively contemplating retirement, a business owner or an individual, it’s never too late to put a plan of action into place. We can help you find the right plan and the right investments to help pursue your retirement goals.

We develop strategies for the various ways to save for a child’s education, including college savings plans, Coverdell Education Savings Accounts, and UGMA/UTMA accounts.

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. Our asset management affiliates employ a diverse range of active equity, fixed income, asset allocation, and alternative investment strategies.

Through Stifel’s insurance-licensed professionals, we can assist you in selecting fixed and variable annuities that are customized to your individual needs. We can discuss in detail the types and potential benefits of annuities and how they may fit into your portfolio. Stifel has relationships with numerous quality insurance companies.

Exchange traded funds and notes are financial instruments that provide the diversification of a basket of securities combined with the flexibility of trading throughout the day like stock. Whether you are looking to gain broad market exposure, focus on a specific area of the market, or construct a fully diversified portfolio, through ongoing, professional research of the full universe of exchange traded funds and notes, we can recommend specific products that best fit your customized needs.

When it comes to Social Security, the right planning is key to maximizing your benefits and supporting your long-term retirement goals. We are equipped to help you take full advantage of your retirement benefits through a personalized Social Security Optimization Report. The report shows an optimal strategy for claiming Social Security benefits in order to maximize lifetime benefits. The optimal strategy can be compared to other strategies that may be under consideration, providing the information needed to make an informed decision.

With a deep understanding of bonds and fixed income investments, we can help you integrate these core investments into your plan using a disciplined process designed to help preserve your hard-earned wealth while striving to provide a steady cash flow today and into the future.

We take a collaborative approach to lending, cash management, and trust services to complete your full financial picture. Stifel Bank provides access to a variety of lending program to meet your ongoing liquidity needs. Stifel Trust can help pair you with appropriate third-party trustees for your trust accounts as well as assisting in selecting an appropriate advisory strategy for managing trust assets.

We offer a comprehensive suite of cash management services to integrate your day-to-day liquidity needs with your long-term ambitions. While great for the occasional payment, these solutions are also an attractive alternative to a traditional bank.

A well-crafted succession plan aims to benefit everybody involved – the departing owner, their family, the business, and the successor. However, organizing and effectively managing your personal and business affairs can be a daunting task when you are building and running an organization. That’s where we come in. Leveraging Stifel’s robust resources, our goal is to help business owners like you maximize enterprise value.