After assessing your goals, financial resources, and risk tolerance, Stifel will develop an asset allocation strategy aligned with your specific needs. Your asset allocation is important to the investment selection process and can have a significant impact on your investment portfolio.

Stifel utilizes a four-step financial planning process:

  1. Assessment of your current financial resources and investment objectives.
  2. Defining a diversified asset allocation designed to meet your stated objectives, time horizon, risk tolerance, and income tax situation.
  3. Developing an investment strategy specific to your situation and circumstances to implement your asset allocation.
  4. Monitoring and reviewing your investments to ensure they continue to meet your objectives.

Your asset allocation represents how your assets are diversified across different investment types, such as stocks, bonds, and cash. Stifel will further refine your asset allocation by defining asset classes in terms of market capitalization, style (value or growth investing), international or domestic securities, and the tax implications of each asset class.

The primary objectives of an asset allocation include:

  • Maximizing return at a reasonable level of risk;
  • Maintaining a prudent diversification of investment assets;
  • Accommodating your tolerance for risk, your investment time horizon, and your tax situation;
  • Providing periodic monitoring and revision, as required.

While asset allocation does not ensure a profit or protect against a loss, a proper asset allocation always balances your comfort with investment risk with your desired investment returns. Contact Bob today to learn more about financial planning services offered by Stifel. Once your asset allocation is set, you’re ready to move onto step three of Stifel’s financial planning process, developing a customized investment strategy.

Continue to step three: Develop a Customized Investment Strategy

Go back to step one: Assess your Financial Situation