We offer a highly personalized approach to the investment process by tailoring a plan that aligns with your unique needs. Bringing your investment plan to life involves three phases:

Phase I: Gathering Information

This phase begins with the Investment Planning Meeting, where we get to know you and learn what you need and want your investment capital to do for you. We will ask you to bring recent statements for each of your existing investment accounts. We will ask you to complete a questionnaire to quantify your investment goals and risk tolerance as well as gather other pertinent information.

Phase II: Developing an Asset Allocation Plan

With the information from the Investment Planning Meeting, we use Stifel’s Wealth Strategist Report® to develop an asset allocation model. Understanding that the historical performance of each investment in no way guarantees future performance, the model will be time tested against historical markets to help you understand the range of historical returns for the proposed asset allocation.

Phase III: Including Stocks and Bonds Accordingly

Normally the asset allocation model will include growth-oriented stocks (equities) and income-oriented bonds. The equity portfolio can be positioned to have both core long-term holdings and short-term trading positions. 

For core equities, we may enlist professional money managers through Stifel’s fee-based investment advisory services where appropriate for the client. The size of the core holdings will determine if we use mutual funds, exchange traded funds (ETFs), or individual managers.

If you want a trading position, we will work on a commission basis. We will also provide guidance for the bond portion of your portfolio.

We take into consideration which service model we reasonably believe to be in your best interest, whether it's fee-based through advisory services or transactional through brokerage services.

Asset allocation does not ensure a profit or protect against loss.