What We Do

The goal that our team sets to pursue with each and every client is to be your partner as you travel down your financial path.  Finding your best financial path can be, and often is, a very complicated process that can present challenges to even the savviest individuals.

That is where our team comes in.  Collectively, we bring over 100 years of experience in assisting individuals and businesses as they navigate through the questions and challenges that come about in all stages of life and business.  We consider it our mission to not only see you succeed in meeting your goals but also to attempt to ensure that you do not fall into some of the financial pitfalls that become present along the way.


One of the many common threads that each person on our team shares is that we are passionate about what we do; each of us feels as though we have found our calling in life … and we feel so fortunate to be able to come into our office each day to do what we love – to serve as your financial guide.

How do we do that? Our process.....


Neither Stifel nor its associates provide tax or legal advice.  You should consult with your tax or legal advisor regarding your particular situation.

Understanding Your Stifel Pledged Asset (SPA) Loan:

Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel Pledged Asset (SPA) Line of Credit.

Securities-based lines of credit involve risk and are not appropriate for all borrowers.  The SPA Line of Credit is a full recourse, demand loan using the assets in a brokerage account as collateral and can be called at any time.  An increase in interest rates will affect the overall cost of borrowing.  The return on your securities must be higher than your financing cost in order for you generate a positive return in your securities account.  The market value of your securities may decline, which may result in the value of that collateral no longer covering an outstanding loan amount.  In either event, the borrower may be required to post additional collateral and/or repay part or all of any outstanding loan.  Stifel Bank & Trust may call the loan, and sell or force the sale of the assets in the collateral account, or any other collateral, without contacting the borrower.  The borrower will not be able to select which securities will be sold.  The borrower can lose more assets than the borrower is required to deposit in the collateral account.  The borrower is responsible for satisfying any amount not covered by the collateral.  The borrower is not entitled to an extension of time to meet a collateral maintenance call.   

If collateral is sold, this could result in an unfavorable tax event for the borrower.  Neither Stifel nor our affiliates provide legal or tax advice.  Borrowers should consult with their legal and tax advisors.

Learn more about the potential risks involved with securities-based lending:  www.stifel.com/Lending#Disclosures