Our Services

Our services cover all areas of financial management, from investment and retirement planning, to risk mitigation strategies and issues surrounding estate planning strategies.  We specialize in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables them to pursue both short- and long-term strategies.

College and Higher Education
Insurance &
Liability Planning
Asset Allocation
Estate Plan
Retirement Income
529 Plans Fee-Based
Advisory Programs
Business Owner
Financial Planning
Charitable Giving Traditional &
Roth IRAs
Savings Accounts
Access to Professional
Money Managers
Disability Insurance
Social Security
IRA Rollovers
& Distributions
Performance Reports
Life Insurance
Tax Planning Gifting & Estate
Tax Planning
Retirement Funding
College Funding
Care Insurance
Cash Management Retirement Plans
for Business
Banking, Lending, & Trust Services
Cashless Stock
Options Exercise
Life Insurance
Check Writing Choosing an
Appropriate Plan
Public Offerings
& Capital Raising
Control & Restricted
Stock Transactions
Visa® Debit Card Reviewing an
Existing Plan
Financial Advisory Visa® Credit Cards
Rule 10b5-1 Plans Estate Planning
Bill Payment
Choosing a 
Plan Provider
Mergers &
Trust Management
& Administration
  Key Person
Stifel Access
(online account access)
Selecting a
Municipal Finance  


401(k) Plans: An Important Benefit to You and Your Employees

If you're a business owner, a retirement plan – like a 401(k) – is one of the most important benefits you can offer your employees.  While you likely know the importance of planning for your retirement, what you may not know is what establishing a 401(k) can do for your company:

  • It can reduce your tax liability.  The money you spend to set up the plan and contribute to your employees' accounts is tax-deductible.  And, because your employees' taxable income is reduced by making pre-tax 401(k) contributions, your overall payroll taxes may be reduced.
  • It can help you attract and keep quality employees.  Your employees are important to your company's success.  As they are increasingly concerned about their future financial security, company-sponsored retirement plans are becoming an important consideration in their employment decisions. In order to attract and retain talented employees, it's time to consider providing a 401(k) plan for them.  Instituting a vesting schedule for the contributions you make to your employees' accounts can also be a useful retention tool.

And, of course, a 401(k) will allow you to save for your own retirement as well.

A 401(k) is only as good as the investment options it offers.  As you begin to research which investments to offer your employees, you'll find that the possibilities are vast.  A few things you'll want to look for are: a history of good management, a solid track record of performance relative to peers, and below-average expense ratios.  It's also important that your plan provide for a wide range of investment objectives and risk levels in order to help employees at any stage of their career build diversified portfolios. 

Establishing and maintaining a 401(k) plan can be a complicated and time-consuming task even for the largest of companies, but for many small and medium-sized companies, it can be overwhelming.  For this reason, many business owners seek professional assistance.  We can save you and your business time and resources, offering assistance in evaluating suitable plan providers, designing and implementing a plan, selecting and monitoring investment options, following compliance guidelines, and handling other administrative duties. 

Working with our team can be beneficial for your employees as well.  It's not uncommon for us to make ourselves available to educate employees on the investment options available to them and discuss their personal financial objectives in order to guide them in developing an asset allocation strategy and choosing suitable investments within the plan.




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.