Stifel Services

Stifel’s clients expect and deserve the industry’s premier products and highest services. And because each investor has individual preferences and goals, we provide a broad range of products and services:

  • Annuities
    • Variable
    • Immediate
    • Fixed Indexed
    • Fixed
  • Asset Allocation
  • Cash Management
    • Check Writing
    • Electronic Money Transfer (eMoney)
    • Debit MasterCard® Visa® Credit Card*
    • Securities-Based Lending (SPA Loans)*
    • Bill Payment Services Stifel Access (Online account access)
    • Stifel Mobile
  • Common Stocks
  • Consulting Services (Fee-Based Programs)
  • Corporate Executive Services
    • Cashless Stock Option Exercise
    • Control and Restricted Stock Transactions
    • Rule 10b5-1 Plans
  • Education Planning
    • 529 Plans
    • Education Savings Accounts
  • Equity Line of Credit
  • Estate Planning
  • Exchange Traded Funds (ETFs) and Notes
  • Financial Planning
  • Fixed Income Investments
    • Certificates of Deposit (CDs)
    • Collateralized Mortgage Obligations (CMOs)
    • Corporate Bonds
    • Government and Agency Securities
    • Municipal Bonds
  • Insurance
    • Business Owner Needs
    • Disability Insurance (Individual and Group)
    • Life Insurance (Individual and Business Policies)
    • Long-Term Care Insurance
  • Investment Banking
  • IRAs
    • Traditional
    • Roth
    • Rollovers
  • Managed Money
  • Mutual Funds
  • Options
  • Preferred Stocks
  • Public Finance
  • Research
  • Retirement Planning
  • Retirement Plans
    • 401(k) Accounts
    • 403(b) Accounts
    • Profit Sharing Plans
    • Money Purchase Plans
    • SEP IRAs
    • Defined Benefit Plans
  • Syndicate Offerings
  • Tax Planning
  • Unit Investment Trusts


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Lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (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.

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

The SPA Line of Credit is a demand loan using the assets in the account as collateral.  If the minimum required value of the collateral is not maintained, the account holder will be required to:  (1) post additional qualified collateral, (2) repay a portion or all of the debt, or (3) forfeit that shortfall in value of pledged assets to Stifel Bank & Trust.  If the call is not met, Stifel Bank & Trust can liquidate some or all of the assets in the SPA Loan Account.  If terms of the account are not maintained, Stifel Bank & Trust may call the loan due and payable.  Stifel Bank & Trust will attempt to communicate with you to determine the right course of action to alleviate a collateral shortfall. Stifel Bank & Trust has the right to sell securities as needed without your consent to meet a collateral call.