How do I create a financial plan?
I first gather your information using the Stifel Wealth Strategist Report® – a comprehensive financial plan designed to address your asset allocation, retirement, insurance, education savings, Social Security income, short- and long-term goals.  Please contact me for a questionnaire.


How should my funds be allocated based on my risk tolerance?
Stifel has six asset allocation models for investors with objectives ranging from conservative to aggressive growth.  Twelve questions help to define your profile.  Please contact me for additional information.


What does a Stifel research report look like?
Reports can be either company specific or provide an overview of a sector.  Please contact me if you would like to see an example.  All clients can view research reports on “Stifel Access” from our website, www.stifel.com.


How do I know if an annuity is right for me?
There are many different types of annuities including fixed, immediate, variable, or indexed.  They can be designed to align with various needs, goals, and objectives.  This page provides an overview.


What is the best way to save for college?
Popular choices include 529 plans and Uniform Gift to Minor accounts.  Click on this attachment for comparisons of different plans.

 
What is the difference between a traditional IRA and a Roth IRA?
Contributions to traditional IRAs may allow you to take a tax deduction and are taxed when you withdraw from them.  Roth IRAs do not allow deductions, but most withdrawals are tax free.


Is a “rollover” from my previous employer a taxable event?
No, when you move your plan it is not taxed as long as a “withdrawal” is not made.  You have options for your “rollover” given here.

 
What fees am I paying when I buy a mutual fund?
Normally, you pay an upfront fee known as a sales charge and annual fees known as internal expenses, which vary between fund companies.  Call me if you have additional questions.


Feel free to contact me with any additional questions!