2. Kimberly K. Savoie, CFP®
My Clients Want:
— Convenience
— Consolidation of paperwork
— Coordination of all their assets
— Ease of access
— A plan for income now, or income later
— A plan to efficiently pass on wealth
My Principles for Investment Planning:
— Individualized approach
— Allocate, diversify, rebalance
— Commitment to the goals set
— Shared responsibility of communication
Working Together, We Can Pursue Various Objectives:
— Simplifying handling your finances
— Planning for your retirement
— Providing a foundation for your children’s or grandchildren’s future
— Building a family legacy
— Assuring quality elder care for you and/or your parents
— Benefitting the schools and charities that mean so much to you
Asset allocation and diversification do not assure a profit and may not protect against loss. Rebalancing may have tax
consequences, which you should discuss with your tax advisor.
3. Wealth Management Process
Stifel is committed to a comprehensive approach of providing an array of financial services to
our clients. Through our wealth management process, we coordinate asset allocation, cash
management, investments, financial planning, estate and trust planning, corporate executive
services, and business owner planning services. Through this process, we address creating and
growing wealth, protecting and preserving wealth, and planning for the distribution of wealth
during life and distribution of wealth at death in the most tax-advantaged way.
Stifel’s wealth management process consists of six steps that help get an overview of the
client’s current situation, choices available, and what must be done to pursue goals. The
process involves gathering relevant financial information, determining life goals, examining
current financial status, and formulating a strategy or plan for how to work toward goals given
the current situation and future plans.
4. Investment Philosophy
The Value of Diversification
It is rare to find any single asset class that has outperformed consistently over multiple
periods. And since it is nearly impossible to predict which asset class will be a top performer
over multiple years, investors should hold a portfolio that is diversified across a number of
asset classes.
Following the market downturn of 2008, the most severe sell-off in decades, investors found
themselves questioning the validity of diversification.
I continue to believe in the benefits of diversification in order to maximize risk-adjusted
performance over the long term. I encourage clients to avoid emotional decision-making and
remain committed to a globally diversified asset allocation strategy, and remain focused on
pursuing their long-term objectives.
Despite the heightened volatility in the recent past, disciplined investors who remained
committed to their pre-downturn asset allocation discipline likely have seen their account
values climb back to pre-downturn levels.
Asset allocation and diversification do not assure a profit and may not protect against loss.
6. Wealth Management Services
Financial &
Wealth Planning
Asset
Allocation
Analysis
Comprehensive
Financial
Planning
Understanding
Social Security
Tax Planning
Estate Planning
Estate Plan
Analysis
Charitable
Giving
Beneficiary
Review
Gifting &
Estate Tax
Planning
Retirement
Planning
Retirement
Income
Planning
Traditional &
Roth IRAs
IRA Rollovers &
Distributions
Retirement
Funding
Analysis
College
Planning
529 College
Savings Plans
Education
Savings
Accounts
UGMA/UTMA
Accounts
College
Funding
Analysis
Professional
Money
Management
Fee-Based
Advisory
Programs
Access to
Professional
Money
Managers
Quarterly
Performance
Reports
Insurance &
Liability
Planning
Business
Owner Needs
Disability
Insurance
Life Insurance
Long-Term
Care Insurance
Corporate
Executive
Services
Cashless Stock
Options
Exercise
Controland
RestrictedStock
Transactions
Rule 10b5-1
Plans
Business
Succession
Planning
Life Insurance
Needs
Buy-Sell
Agreements
Estate Planning
Considerations
Key Person
Insurance
Cash
Management
Check Writing
Debit
MasterCard®
Bill Payment
Services
Stifel Access
(online account
access)
Retirement
Plans for
Business
Choosing an
Appropriate
Plan
Reviewing an
Existing Plan
Choosing a
Plan Provider
Selecting a
Third-Party
Administrator
Investment
Banking
Public
Offerings &
Capital Raising
Financial
Advisory
Mergers &
Acquisitions
Municipal
Finance
Bank & Trust
Services
Mortgage
Lending
Securities-
Based Lending
VISA® Credit
Cards
Trust
Management &
Administration
Stifel does not offer legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.
Lending services are provided by Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, an affiliate of Stifel, Nicolaus & Company,
Incorporated. Unless otherwise specified, products purchased from or held at Stifel are not insured by FDIC, are not deposits or other obligations of Stifel
Bank, are not guaranteed by Stifel Bank, and are subject to investment risks, including possible loss of the principal invested. Your Stifel Financial Advisor
will refer you to a Stifel Bank & Trust professional who may be able to assist you with your financing needs. Stifel and your Stifel Financial Advisor do not
offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan.
Trust 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. 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.
7. Lending and Liquidity
Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively
by Stifel Bank & Trust. The Financial Advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans,
provide mortgage loan information, or accept residential mortgage loan applications. Stifel Bank & Trust, Member
FDIC, Equal Housing Lender, NMLS# 375103, is affiliated with Stifel, Nicolaus & Company, Incorporated. Unless
otherwise specified, products purchased from or held at Stifel are not insured by the FDIC, are not deposits or other
obligations of Stifel Bank & Trust or its affiliates, are not guaranteed by Stifel Bank & Trust or its affiliates, and are
subject to investment risk, including possible loss of the principal..
Stifel Bank
Stifel Bank, a wholly owned subsidiary of Stifel Financial Corp. and an affiliate of Stifel, Nicolaus &
Company, Incorporated, is committed to providing innovative lending products to Stifel clients
through our team of knowledgeable, experienced banking professionals. Stifel Bank offers high-
quality, low-cost home financing for Stifel clients, family, and friends. Mortgage lending is
handled exclusively by Stifel Bank; Stifel does not offer mortgages.
Stifel Bank provides Stifel clients access to a variety of lending programs to meet clients’ ongoing
liquidity needs, including:
• Home purchase and refinance
– Primary homes, vacation homes, and investment property
• Stifel Pledged Asset (SPA) Securities-Based Lending
– Flexible lines of credit from $100,000 to $10 million or more
– Low lending rates
• Credit cards with a reward program and flexible spending limit
– See www.StifelBank.com for full details
• Full array of loan programs to meet a diversity of client needs
8. Trust Services
Trust 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.
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. Asset allocation
and diversification do not assure a profit or protection against loss.
Stifel Trust Companies
One of the most important decisions an individual will face as they plan for the passing of their
wealth and providing for their family and beneficiaries is: who will be responsible for carrying out
my plans? Stifel Trust Companies offer a full array of trust and estate services. Stifel Trust
Companies can provide professional management and oversight for living and testamentary
trusts, investment accounts and endowment funds, custodial accounts, supplemental needs
trusts, charitable trusts, life insurance trusts, and other trust arrangements.
By leveraging Stifel’s asset allocation and investment programs, research, due diligence, and
investment product oversight, Stifel Trust Companies can work in collaboration with Stifel
Financial Advisors to construct portfolios appropriate for the specific goals and risk tolerances of
each trust.
The key feature of Stifel’s proven service model is the role played by the Stifel Financial Advisor.
The Stifel Financial Advisor serves as relationship manager and is backed by a dedicated Trust
Officer and Investment Officer with Stifel Trust Companies. This positions us to deliver high-
touch, “white glove” service.
9. Stifel Overview
• Broad-based, full-service securities firm
– Founded in 1890 with a rich history of providing financial services
– Based in St. Louis
– More than 7,000 associates, including our affiliates
– Member SIPC, New York Stock Exchange, and all principal exchanges
– Web site: www.stifel.com
• Highly regarded securities brokerage firm
– More than 390 offices in 45 states and in Europe (Stifel Nicolaus Europe Limited)
– More than 2,300 affiliated financial advisors
– Entrusted with approximately $193 billion in client assets
• Nationally recognized institutional investment banking firm
– 133 senior research analysts (covering 13 sectors)
– 384 investment bankers (in both vertical industry and focused product groups)
– 270 institutional salesmen
– 121 position and sales traders
• Broad municipal finance expertise and resources
– 130 public finance professionals
– 25 public finance locations
• Well capitalized public firm
– Approximately $2.3 billion in stockholders’ equity
– Listed on the NYSE: SF
– Significant employee ownership – Approximately 40%
10. Overview of Stifel Services
• Annuities
– Variable, Immediate, Fixed Indexed, and Fixed
• Asset Allocation
• Cash Management
– Check Writing
– Debit MasterCard®
– Bill Payment Services
– 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 Options Exercise
– Control and Restricted Stock Transactions
– Rule 10b5-1 Plans
• Corporate Finance
• Equity Line of Credit
• Estate Planning
• Exchange Traded Funds and Notes
• Financial and Wealth 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
• IRAs
– Traditional, Roth, and Rollovers
• Managed Money
• Money Market Funds
• Mutual Funds
• Options
• Preferred Stocks
• Public Finance
• Research
• Retirement Planning
• Retirement Plans
– 401(k) Plans
– 403(b) Plans
– Profit Sharing Plans
– Money Purchase Plans
– SEP IRAs
– SIMPLE IRAs
– Defined Benefit
• Syndicate Offerings
• Tax Planning
• Unit Investment Trusts
