We take the time to understand your goals, be transparent about the path to achieve them, and craft a portfolio that aligns with your needs and risk preferences.

Lifestyle Vision:

How do you envision your ideal retirement lifestyle? For example, do you see yourself traveling, spending more time with family, maintaining your current lifestyle, or downsizing to something simpler?

Timing and Readiness:

At what age would you like to retire, and are there specific milestones—financial or personal—that you’d like to reach before then?

Income Needs and Priorities:

Have you thought about how much monthly or annual income you’ll need to maintain your desired lifestyle in retirement, and what sources (savings, investments, pensions, Social Security) you expect to draw from?

Purpose and Legacy:

Beyond financial security, what’s most important to you in retirement—such as leaving a legacy, supporting family, charitable giving, or pursuing personal passions?

Comfort with Market Risk:

How comfortable are you with short-term market ups and downs in pursuit of long-term growth?

Reaction to Volatility:

When markets decline, do you tend to stay invested, buy more, or move to safer options?

Risk–Reward Balance:

Would you say your priority is preserving your capital, growing your investments, or finding a balance between the two?

We cover the full range of holistic financial planning areas:

Trusts & Estate Planning – When was the last time you reviewed your will, Power of Attorney, and Health Care Power of Attorney? Would a trust be more appropriate than a will for your situation?  Have you considered using a trust officer, corporate trustee, or a trusteed IRA, and do you know who might benefit from them?

Life Insurance – When was the last time you reviewed your life insurance coverage to ensure it still matches your family’s current needs and financial goals?

Long-Term Care Insurance – Have you considered how you would fund potential long-term care needs in the future – and whether insurance or other strategies might help protect your assets?

Generational Planning – Have you thought about how you’d like to support or transfer wealth to the next generation, and whether your current plan reflects those wishes?

Tax Strategies – Are you taking advantage of available tax-efficient strategies – such as retirement contributions, charitable giving, or investment tax optimization – to minimize your overall tax burden?

Debt Financing – Have you reviewed your current debt or financing structure – like mortgages, loans, or credit – to ensure it’s cost-effective and aligned with your long-term financial goals?

Employer Benefits – When was the last time you reviewed your employer benefits, including retirement contributions and employer matching? Are you taking full advantage of your employer’s stock purchase plan or other equity programs (RSUs, performance shares)? Who helps you evaluate your options, and are you aware of potential timing or pricing opportunities with company stock?

For Parents and Grandparents:

Are you confident they are going through the detailed planning discussions that we provide for you? Have you introduced us to them? We suggest each of your family members have a preliminary conversation with us. We are here to help your next generation plan for their financial futures.

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