managing the needs High Net Worth Clients m · In order to prosper and thrive today and into the...

Platinum Services

managing the needs High Net Worth Clientsof

INVESTING | PLANNING | BANKING | LENDING

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Stifel began in 1890 as “a partnership for the purpose of doing a general securities business.” The partnership tenet of Stifel remains today – 125 years later.

Stifel’s partnership lives between advisors and their clients and is supported by the experienced professionals who deliver products and services to clients in today’s fast-paced, technologically advanced, and highly competitive environment.

Herman C. Stifel charted the firm’s success for the first 40 years of the 20th century with his simple, honest belief of “safeguarding the money of others as if it were your own.”

That steadfast principle helped the firm, and its clients, successfully navigate early challenges, and even guides us today.

Our guiding principles have helped Stifel more than double in size in the past decade. We know our ability to compete in recruiting and retaining quality, valuable advisors is incumbent on maintaining an entrepreneurial environment and providing the framework for your continued success. In order to prosper and thrive today and into the future, we are committed to delivering the wealth management services your clients need – investing, planning, banking, and lending.

Herman C. Stifel

“SAFEGUARDING THE MONEY OF OTHERS AS IF IT WERE YOUR OWN.”


Platinum Services

INVESTING | PLANNING | BANKING | LENDINGINVESTING

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OUR PRODUCTS & SERVICES PLATFORM COMPETES TOE-TO-TOE WITH EVERY FIRM ON THE STREET Stifel’s mutual fund offerings include more than 200 companies, and Stifel offers well over 500 different separately managed account portfolios for use with clients. Advisors who join Stifel from wirehouse and regional firms are sometimes overwhelmed by the number of products available.

With such a robust platform, the key to success is supporting our advisors with a combination of research, analytical tools, and experienced staff. Our home office team routinely helps guide and train “do-it-yourself” advisors, who like to use the technology at their disposal, and we are happy to do more of the legwork for those who prefer to leverage the resources of our staff.

Unlike the approach at most other firms, the Stifel Investment Products and Advisory Services Group does not operate as a profit center. Our advisor is our client.

We do not push a corporate-driven agenda to move advisors in a direction that is inconsistent with what is best for the client. We provide the same high level of support for those doing commission-based business as we do for fee-based.


INVESTING

Platinum Services

The Investment Products & Advisory Services Group goes to great lengths to find creative solutions to what are sometimes difficult requests, always trying to balance flexibility with consistency.

These are the characteristics that separate Stifel from our competitors.

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INVESTMENT PRODUCTS & ADVISORY SERVICESCONSULTING SERVICES, ADVISORY PROGRAM MANAGEMENT, MUTUAL FUNDS & 529 PLANS, ETF AND ETN, TRADITIONAL AND ALTERNATIVE INVESTMENT PRODUCT RESEARCHOur “behind the scenes” work covers Mutual Funds, Exchange Traded Funds, Exchange Traded Notes, and Separately Managed Accounts. We help advisors with product research and comparisons, proposals, presentations, and pricing questions.

Our staff is well-trained and eager to assist advisors in navigating a very crowded landscape of product offerings and streamlining what could otherwise be a very labor-intensive independent effort in the branch.

The Investment Products & Advisory Services Group consists of specialized teams who support each advisor’s efforts to attract, retain, and grow client assets.

Our platform has been built to provide products, services, and expertise to support clients with as little as a few thousand dollars all the way up to institutional and ultra high net worth clients with investible assets advised or managed by Stifel in excess of $300 million. We assist with RFP opportunities and often travel to co-present with our advisors on their turf, to help increase the chances for closing high-profile prospects.

Our asset allocation work is based on sophisticated forecasting, capital markets expectations, and modeling with input from Wilshire Associates, one of the largest institutional consulting firms in the world. Stifel asset class modeling leverages access to institutional best thinking regarding asset class performance, as well as “real world” data in asset allocation preferences of large investment pools. This gives Stifel the insight and expertise required to compete effectively in the high net worth space.


Platinum Services

VIP PROGRAM

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STIFEL VIP COMPLETE WEALTH PROGRAMAn exclusive program tailored specifically to engage your approved high net worth clients.

Your clients will meet with Stifel leaders and look behind the curtain at how the firm addresses client needs, while we present an in-depth, comprehensive look at their financial picture and current planning to help them prepare for tomorrow.

Below are the topics we may assist your clients with during their VIP Visit in St. Louis:

• Asset Allocation• Cash Flow Planning and Management• Asset Protection• Investments – Equity and Fixed Income Strategies• Professional Money Management• Economic and Market Analyses• Risk Management, Retirement Planning, and Education Funding• Estate Planning & Trust Services• Banking Services – Personal and Commercial Lending• Corporate Executive Services

– Sale of Control/Restricted Securities, Lending on Control Stock• Business Owner Services:

– Investment Banking, Compensation Plans, Qualified Retirement Plans, and Insurance– Business Succession and Exit Planning


Platinum Services

WEALTH PLANNING

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STIFEL’S WEALTH PLANNING SERVICES – KNOWLEDGE TO HELP PROTECT CLIENTS TODAY AND TOMORROWFINANCIAL, ESTATE, TAX, AND SOCIAL SECURITY PLANNING

At Stifel, we provide a range of services that will help your clients create a total wealth plan designed to meet their goals, preserve their assets, and protect their family, now – and later.

• NET WORTH ANALYSIS – a concise portrait of the client’s current assets, liabilities, and financial standing.

• ASSET ALLOCATION ANALYSIS – develop customized asset allocation based on your client’s objectives and risk tolerance.

• RETIREMENT PLAN ANALYSIS – studying accumulation and distribution strategies, we can assist in developing a plan to help maximize your client’s current assets and tax deferrals while minimizing potential income and estate taxes and costs to clients.

• EDUCATION FUNDING ANALYSIS – evaluate programs and products to prepare for clients’ educational expenses and education savings plan alternatives.

• INSURANCE REVIEW AND ANALYSIS – review life insurance and disability income policies to provide a concise look at survivorship benefits to family and disability coverage.

• LONG-TERM CARE ANALYSIS – Medicare, Medicaid, and various other healthcare options available, as well as most competitive long-term care benefits.

• ESTATE PLANNING ANALYSIS – review current wills, trusts, asset titling, gifting strategies, charitable bequests, and other planning techniques, with potential recommendations to reduce federal estate taxes.


INVESTING

Platinum Services

Stifel’s wealth planning services are designed to help your clients address their financial and estate planning objectives, including legacy planning, estate tax, insurance, asset titling, individual and charitable gifting, and more.

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PROFESSIONALISM AND EXPERTISE ARE THE BENCHMARKS OF OUR WEALTH PLANNING TEAMBy discussing financial and estate planning objectives and looking at financial goals, asset titling, insurance, gifting strategies, and charitable bequests, we provide areas for consideration and discussion with the client’s legal and tax professionals, often resulting in reduced federal estate taxes and probate fees. We work with the client’s attorney, accountant, trust officer, and Stifel advisor to help ensure that all of the client’s planning is in order.

TRUST SERVICES EXCLUSIVELY FOR STIFEL CLIENTS, FROM STIFEL TRUST COMPANY, N.A.

Stifel Trust is here to provide trust and fiduciary services to clients of Stifel Financial Advisors by working collaboratively with the advisor.

Many wealthy clients use trusts as a key component in their estate plan. Stifel Trust may administer these trusts during the clients’ lifetime, or serve as corporate trustee at incapacity or death. Our trust services are designed to include the Stifel advisor in serving the client’s needs and engaging secondary relationships as wealth passes to the next generation. Our service model is more advisor-friendly than a third-party bank or other brokerage-affiliated trust relationship. Stifel Trust is built around the advisor, as opposed to many other firms where often the advisor’s role is diminished.

Stifel Trust helps advisors during firm transition so the advisor may retain business that requires a professional trustee. We never lose sight of who owns the client relationship. The advisor worked hard to earn the trust and confidence of the client, and it is our job to support and enhance that relationship through exceptional service.


Platinum Services

BANKING

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CASH MANAGEMENT AND RELATED BANKING-IN-BROKERAGE-PLATFORM SERVICES.

We help clients simplify their financial life with user-friendly tools to manage assets with efficiency and control. They can easily and safely monitor their investments and day-to-day account activity in a way that best suits their lifestyle, with enhanced monthly statements, Stifel Access, and on-the-go access using their smart phone and tablet.

Consistent with Stifel’s culture, clients and their advisors work together to determine which services make sense for their needs, not the firm. The Stifel cash management accounts include many of the same features and benefits found at larger firms, without the larger firm bureaucracy. Stifel offers basic banking features for free, and a full-featured, web-integrated STIFEL|ADVANTAGE account for clients with more complex needs. With these options, clients don’t have to pay for services they don’t need.

Our experienced home office team has the flexibility to create out-of-the box solutions for complex client needs.

STIFEL|ADVANTAGE provides clients with integrated banking services – credit and debit cards, online bill management, electronic movement of funds, and lending, all in one convenient relationship. With STIFEL|ADVANTAGE, clients earn awards for card transactions and cash balances maintained at Stifel, plus clients have access to a concierge service 24/7.

We continuously explore the competitive landscape, listen to advisors about potential enhancements to the platform, and monitor the constantly changing rules and regulations.


Platinum Services

LENDING

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FINANCING FROM STIFEL BANKSmart advisors know what services their clients want and need. Our best advisors are as in tune with their high net worth clients’ liabilities as the asset side of their balance sheet. Stifel isn’t a huge wirehouse bank pushing loan products on your clients. Rather, we have the same best-in-class products and rates – and you get to determine how best to provide them to your clients!

Stifel Bank’s professional lenders support your client relationships with low-cost financing delivered with efficient, high-touch service.

Our lending services are specifically designed to engage clients within their Stifel relationship. This enables your clients to access general liquidity, eliminating their need to go to other financial institutions who may want access to their account information, or even their assets as collateral. By providing full-service financial solutions through one single point – you, as the advisor, are able to provide complete wealth management.

Securities-Based Lending is one of the fastest-growing products at Stifel. We find that clients value low-cost ready liquidity, and our Stifel Pledged Assets (SPA) Loan meets their needs. Advisors have used our SPA Loan to transfer in assets that were pledged to loans elsewhere and to prevent assets from going to a wirehouse to support financing there. Our pricing structure rewards the depth of your client relationship – SPA Loan rates consider the value of collateral pledged, not the loan amount. Clients can draw funds and pay balances without worrying about rate changes.

In addition to securities-based lending, Stifel Bank offers home lending.

We encourage you to take advantage of what Stifel Bank has to offer, starting with your personal lending needs, so we can show you first hand our excellence in service. This is a great way for you to see our low rates and professional, high-touch service in action.


Platinum Services

FOR BUSINESSES

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SERVICES FOR EXECUTIVES OF PUBLIC COMPANIES

In today’s environment of online trading and “do-it-yourself attitude,” it is the personal service from Corporate Executive Services (CES) that makes Stifel shine above its competitors.

Stifel’s CES team partners with you for clients who are executives of public companies for:

• Rule 10b5-1 Plans

• Sales of Control and Restricted Stock

• Lending on Control Stock

• Financing of Stock Options, Restricted Stock Awards, and Restricted Stock Units

CES understands the intricacies involved with insider transactions and recognizes that the way these transactions are handled will vitally impact whether the proceeds from the transaction will remain with you. We will help you build and maintain lasting relationships that go beyond just a sale.


Platinum Services

CLIENT COVERAGE

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DELIVERING THE FIRM:CROSS-ORGANIZATIONAL CLIENT COVERAGE

Client Coverage’s mission is to ensure your clients have the opportunity to access the entire Stifel platform by serving as your cross-organizational bridge.

We provide you and your clients with direct access to the services offered by Stifel’s Institutional Group, including investment banking, public finance, research, sales & trading, syndicate, and asset management. Our team works closely with you to provide an initial assessment of the opportunity before developing a strategy for working with members of our Institutional team.

Client Coverage also collaborates with the Institutional Group on strategies to originate asset-gathering opportunities for the Private Client Group.

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EXECUTIVES | BUSINESS OWNERS | MUNICIPALITIES

Stifel, Nicolaus & Company, Incorporated501 North Broadway | St. Louis, Missouri 63102 Member SIPC & NYSE | www.ChooseStifel.com

CALL TODAY TO LEARN ABOUT THE BENEFITS FOR YOU, YOUR CLIENTS, AND YOUR PRACTICE AT STIFEL.

(855) 244-3002

managing the needs High Net Worth Clients m · In order to prosper and thrive today and into the...

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