Our team provides a full suite of bespoke Private Wealth Management resources to address the complex needs of wealthy clients and their families.

EARLY ADULTHOOD / CAREER	FAMILY AND WEALTH PLANNING	PEAK EARNING AND INVESTING YEARS	RETIREMENT
Saving Spending Investing Set a Plan	Basic Trust and Estate Planning Strategies Multigenerational Strategies Education Funding	Disciplined Investment Approach Risk Management Strategies Retirement Planning Long-Term Care Advanced Planning	Strategies Designed for Wealth Preservation Income Replacement Gifting and Wealth Transfer Strategies Estate Plan and Income Tax Review
ESTATE PLANNING STRATEGIES	INSURANCE	INVESTMENT PLANNING	CORPORATE EXECUTIVE SERVICES
Will Power of Attorney Healthcare Proxy LLCs Living Trusts Irrevocable Trusts Grantor Retained Annuity Trust (GRATs)	Life Insurance (Whole, Term, Permanent) Health Insurance Variable Insurance (Long-Term Care, Disability) Annuities Key Person Insurance	Asset Allocation Asset Location Cash Flow Analysis Outcome Modeling College Savings Plans Deferred Investing Lending	Sales of Control and Restricted Stock Rule 10b5-1 Plans Lending on Control Stock Stock Option Financing

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

Stifel Donor-Advised Funds are handled by Stifel Charitable Inc., which is a 501(c)(3) non-profit organization. Stifel Financial Corp. companies, including Stifel, Nicolaus & Company, Incorporated, Stifel Bank, and Stifel Trust Company, N.A., provide services to Stifel Charitable Inc. Stifel does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.

Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust (collectively Stifel Banks). Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A. (collectively Stifel Trust Companies).

Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, is affiliated with Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, Stifel Trust Company, N.A., and Stifel Trust Company Delaware, N.A. All are wholly owned subsidiaries of Stifel Financial Corp. and affiliates of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE. 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 or Stifel Trust Companies, are not guaranteed by Stifel Banks and Stifel Trust Companies, and are subject to investment risk, including possible loss of the principal. Stifel Banks and Stifel Trust Companies do not provide legal or tax advice.

Alternative investments involve a high degree of risk, often engage in leveraging and other speculative investment practices that may increase the risk of investment loss, can be highly illiquid, are not required to provide periodic pricing or valuation information to investors, may involve complex tax structures and delays in distributing tax information, are not subject to the same regulatory requirements as more traditional investments, and often charge high fees, which may erode performance. An investment is appropriate only for investors who have the capacity to absorb a loss of some or all of their investment.

A minimum investment applies within the various investment advisory programs. There are other costs associated with these programs, including but not limited to: execution costs for trades effected with other broker-dealers, exchange fees, transfer or other taxes, interest expense, any third-party account or administrative fees, wire transfer fees, any internal expenses charged by mutual funds or other investment companies, and the costs associated with products and services not described in the applicable Advisory Agreement. Ask a Stifel Financial Advisor for the Advisory Disclosure Brochure, which further outlines the fees, services, exclusions, and disclosures associated with these programs. Investors should consider all terms and conditions before deciding whether fee-based investing is appropriate for their needs.

Portfolios invest in a wide variety of securities and use a variety of strategies to pursue the objective. You should carefully review all of the portfolio-related materials that are available to you for a full understanding of the strategy and related risks. Investing involves risk, including the possible loss of principal.

Asset allocation and diversification do not ensure a profit or protect against loss.

Exchange traded funds (ETFs) are subject to market risk, including the possible loss of principal, and may trade for less than their net asset value. ETFs trade like a stock, and there will be brokerage commissions associated with buying and selling exchange traded funds unless trading occurs in a fee-based account. Investors should consider an ETF’s investment objective, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other important information, is available from your Financial Advisor and should be read carefully before investing.

Investors should carefully compare fees and expenses when considering exchanging an existing life insurance policy for a new one. Significant charges may apply when surrendering an existing policy and a new surrender period will begin when a new policy is purchased.

Variable contracts are offered by prospectus only. Investors should consider the investment objective, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other important information, is available from your Financial Advisor and should be read carefully before investing. The cash value of permanent insurance grows tax-deferred, and withdrawals — up to the cost basis — may be taken free of income tax. However, withdrawals will reduce the account value and the death benefit, and with certain policies, withdrawals prior to age 59 1/2 may be subject to a 10% federal tax penalty. Due to the variable sub-accounts, the insured is accepting additional risk in the variable life contract.

Investors should obtain a prospectus for an annuity’s contract and the underlying subaccounts and consider the investment objective, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other important information, is available from your Financial Advisor and should be read carefully before investing. Taxes will be due upon withdrawal, and distributions prior to age 59 1/2 may be subject to a 10% penalty. Variable annuities are not insured by the FDIC or any government agency and involve market risk, including the possible loss of principal. Variable annuities are suitable for long-term investment and entail fees, such as mortality and expense charges and optional benefit rider charges. Guarantees are based on the claims-paying ability of the issuing insurance company.