CERTIFICATES OF DEPOSIT (CDs) STRATEGY Initially invest in a 12-month, a 9-month, and a 6-month CD. As CDs mature, if money is not needed, then reinvest in a 12-month CD. 12 Month CD; Three Months Later; 9 Month CD; Three Months Later; 6 Month CD; Six Months Later Checking Account Benefits of Purchasing CDs Through Stifel • Access to CDs with shorter maturities than local banks • CDs from mainland banks across the nation • FDIC insurance for each mainland bank CD • Check writing, debit card, and online access available for Stifel account • Guidance on optimally managing your liquidity needs
Stifel | Ark Wealth Advisory Group
Michael W. Ark
Senior Vice President/Investments		 John Ark, CDFA®, C(k)P®, CPFA®, CRPS™
Vice President/Investments
Malia Ark, AAMS™
Financial Advisor Associate		 Christopher Ark
Financial Advisor Associate

(808) 523-2256 | (866) 436-2884 toll-free
1099 Alakea Street, Suite 1510 | Honolulu, Hawaii 96813

This strategy is based on the current interest rate environment, which is subject to change. CDs offered through Stifel are subject to availability, and there is a $1,000 minimum. There is no interest penalty for selling your CDs before maturity at their market value. The price you receive on a sale prior to maturity depends on prevailing interest rates and may be more or less than you paid. Interest payouts are mandatory, and interest cannot remain on deposit.

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Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com

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