My consultative process involves:

1. Discovery

Before our first meeting, take a fresh inventory of your wealth, including where each asset is located and what it is worth.  

During our meeting, I ask various questions that seek to capture what matters most to you. We talk about you, your lifestyle, and your passions and concerns. 

Our conversation also explores your needs, key relationships, total assets, and preferred manner of communication. Additionally, we consult with your tax and legal professionals in an effort to effectively dovetail the various facets of your financial situation.

2. Analysis and Recommendation

Based on our discussion, I analyze your personal and financial information, including liabilities, assess risks, and identify potential threats to your financial health. I then present you a personalized plan that addresses your income and cash flow needs, asset protection objectives, retirement planning, wealth transfer, philanthropy, and other areas beyond investment management.

By carefully reviewing these topics, I strive to make you comfortable with proposed investment strategies and service providers.

3. Implementation

Once you approve your wealth plan, I seek to bring an objective approach while paying special attention to how the various parts of your plan can affect, enhance, and integrate with each other.

I also suggest seeking additional, in-depth guidance on particularly complex issues we have identified, including family dynamics, issues surrounding estate planning, lending, tax planning strategies, and more.

Whichever approach we decide on, my goal is to keep your plan on track.

4. Reviewing Objectives

Ongoing communication is a vital component to our long-term relationship, especially as your needs and goals change throughout your life.

Your financial documents provide the foundation for periodic meetings, and I review your portfolio with you at your request and whenever you feel that your circumstances have changed.

I seek to ensure your assets are positioned according to your evolving needs and suggest adjustments to your strategy, if necessary.

Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust (collectively Stifel Banks). Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, is affiliated with Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, and Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, each a wholly owned subsidiary of Stifel Financial Corp. 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, are not guaranteed by Stifel Banks, and are subject to investment risk, including possible loss of the principal.