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Our Process

Step 1

  • Identify financial goals, needs, and timelines
  • Gain an understanding of your current financial position
  • Establish risk tolerance and return expectations
  • Develop a net worth profile
 
Step 2

  • Prioritize and qualify goals and needs
  • Analyze financial data
  • Prepare relevant investment planning modules:
    • Retirement
    • Education Savings
    • Insurance
    • Liability
    • Estate planning strategies
  • Develop appropriate asset allocation
Asset allocation does not ensure a profit or protect against loss.
 
Step 3

  • Present appropriate strategies
  • Describe how the strategies are customized for your goals
  • Illustrate how the strategies are designed and how they are expected to work
  • Provide additional options and discuss the pros and cons of each
 
Step 4

  • With your understanding and approval, we begin to put investment plans in motion
  • We often utilize common strategies to mitigate implementation costs
  • We move forward according to your priorities
 
Step 5

  • We periodically hold review discussions with our clients regarding our investment strategies and specific accounts  
  • We monitor individual money managers and their strategies used in our advisory services accounts
  • We evaluate, and ultimately decide, which managers or investments to use and why
  • We periodically discuss your financial progress with you relative to your goals and timelines
 
Step 6

  • We maintain a contact cycle for our clients
    • Monthly, Quarterly, or Annually
  • Annual full investment planning review
  • We listen to changes in the financial environment
  • Most importantly, we listen to changes in your lives
  • This brings us back to step one, continuing to adjust your plan to your needs over time

 

Stifel does not provide legal or tax advice. You should consult your legal and tax advisors regarding your specific situation.