My Services

Monitoring and Review

Regular review schedules reflect my commitment to my clients. Being proactive in discussions about current events and the potential impact on portfolio holdings helps each client gain a deeper understanding of his or her allocations.

Depending on individual needs, I can schedule reviews on a quarterly, semi-annual, or annual basis. Since meeting in person is not always an option, I am happy to work with you by phone when that is most convenient.

Wealth Planning	Estate Planning	Retirement Planning	College and Higher Education Planning	Professional Money Management	Insurance & Liability Planning
Asset Allocation Analysis	Estate Plan Analysis	Retirement Income Planning	529 Plans	Fee-Based Advisory Programs	Business Owner Needs
Comprehensive Financial Planning	Charitable Giving	Traditional & Roth IRAs	Education Savings Accounts	Access to Professional Money Managers	Disability Insurance
Understanding Social Security	Beneficiary Review	IRA Rollovers & Distributions	UGMA/UTMA Accounts	Quarterly Performance Reports	Life Insurance
Tax Planning	Gifting & Estate Tax Planning	Retirement Funding Analysis	College Funding Analysis		Long-Term Care Insurance

Corporate Executive Services	Business Succession Planning	Cash Management	Retirement Plans for Business	Investment Banking	Banking, Lending, & Trust Services
Cashless Stock Options Exercise	Life Insurance Needs	Check Writing	Choosing an Appropriate Plan	Public Offerings & Capital Raising	Securities-Based Lending
Control & Restricted Stock Transactions	Buy-Sell Agreements	Visa^® Debit Card	Reviewing an Existing Plan	Financial Advisory	Visa^® Credit Cards
Rule 10b5-1 Plans	Estate Planning Considerations	Bill Payment Services	Choosing a Plan Provider	Mergers & Acquisitions	Trust Management & Administration
	Key Person Insurance	Stifel Access (online account access)	Selecting a Third-Party Administrator	Municipal Finance

Annuities | Variable, Immediate, Fixed Indexed, and Fixed

Asset Allocation

Cash Management | Check Writing | Debit Card
            Electronic Money Transfer (eMoney)
            Bill Payment Services | Stifel Mobile
            Stifel Access (Online account access)

College Planning | 529 College Savings Plans
Education Savings Accounts

Common Stocks

Consulting Services (Fee-Based Programs)

Corporate Executive Services
            Cashless Stock Option Exercise
            Control and Restricted Stock Transactions
            Rule 10b5-1 Plans

Estate Planning

Exchange Traded Funds and Notes

Financial Planning

Fixed Income Investments | Certificates of Deposit
            Collateralized Mortgage Obligations (CMOs)
            Corporate Bonds | Government and Agency Securities
            Municipal Bonds

Insurance | Business Owner Needs
            Disability Insurance (Individual and Group)
            Life Insurance (Individual and Business Policies)
            Long-Term Care Insurance

Investment Banking

IRAs | Traditional, Roth, and Rollovers

Managed Money

Preferred Stocks

Retirement Planning

Retirement Plans | 401(k) Plans | 403(b) Plans
Profit Sharing Plans | Money Purchase Plans | SEP

IRAs
SIMPLE IRAs | Defined Benefit Plans

Syndicate Offerings

Tax Planning

Unit Investment Trusts

Stifel Trust | Trust Management and Administration
Stifel Trust Company, N.A.
Stifel Trust Company Delaware, N.A

Stifel does not offer legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.

Lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). 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.

Understanding the potential risks of a Stifel Pledged Asset (SPA) Line of Credit
Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel SPA Line of Credit.

The SPA Line of Credit is a demand loan using the assets in the account as collateral. If the minimum required value of the collateral is not maintained, the account holder will be required to: (1) post additional qualified collateral, (2) repay a portion or all of the debt, or (3) forfeit that shortfall in value of pledged assets to Stifel Bank & Trust. If the call is not met, Stifel Bank & Trust can liquidate some or all of the assets in the SPA Loan Account. If terms of the account are not maintained, Stifel Bank & Trust may call the loan due and payable. Stifel Bank & Trust will attempt to communicate with you to determine the right course of action to alleviate a collateral shortfall. Stifel Bank & Trust has the right to sell securities as needed without your consent to meet a collateral call.

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.