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Stifel Wealth Tracker

Get your full financial picture and more with our all new application.

Stifel Wealth Tracker can help you:

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Stifel Access

After serving our clients well for more than 15 years, Stifel Access is headed toward retirement.

Its replacement – Stifel Wealth Tracker – will provide a custom online experience. In the meantime, you can continue to enjoy the full functionality of Stifel Access.

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Banking &
Lending
Banking &
Lending

Full-service solutions for
individuals and businesses.
Full-service solutions for
individuals and businesses.

We take a collaborative approach to lending, cash management, and trust services.

Working with a Stifel advisor provides you access to more than just investment services. Understanding your financial goals, motivation, and how you picture your legacy includes addressing liquidity use and sources, financing needs, and personal trust services.

Stifel’s banking, lending, and trust services complete the wealth management picture you develop with your Stifel Financial Advisor.

At Stifel, we have the knowledge, experience, and resources to help you address even the most complex needs. Below are just a few of the many questions our bankers, lenders, and trust associates may help answer for you.

Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust. Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A.
Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.
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.
Securities-based lines of credit involve risk and is 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 the 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, and 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 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.
Stifel Bank & Trust can increase its collateral maintenance requirements at any time. Stifel Bank & Trust may, in its sole and absolute discretion, demand full or partial payment of the SPA Line of Credit at any time, without notice to cover the loan balance and any interest. The borrower is not entitled to an extension of time to meet a collateral maintenance call.
If pledged securities need to be sold, they may be sold without notice, the borrower may not be offered a chance to deposit cash or additional collateral, and the borrower may not be able to pick which securities will be sold, which can interrupt the borrower’s long-term investment strategy. If pledged securities are sold, this could trigger an unfavorable taxable event for the borrower. Neither Stifel Bank & Trust nor our affiliates provide tax or legal advice. Borrower should consult with a tax professional.
The borrower is entitled to draw against their SPA Line of Credit only if loan terms and collateral requirements are met and the draw request is approved by Stifel Bank & Trust.
There may be alternative ways of borrowing funds that are less expensive and involve less risk. Your Financial Advisor may receive compensation for balances on SPA loans. Your Financial Advisor benefits when the borrower uses the available balance on his or her loan to meet liquidity needs in lieu of selling securities or other investments.
Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A. (Stifel Trust Companies), wholly owned subsidiaries of Stifel Financial Corp. and affiliates of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE. Unless otherwise specified, products purchased from or held by Stifel Trust Companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Stifel Trust Companies, are not guaranteed by Stifel Trust Companies, and are subject to investment risks, including possible loss of the principal invested. Stifel Trust Companies do not provide legal or tax advice.

“Smoothest mortgage transaction I’ve ever had! I’ll tell all my friends about this wonderful program and its amazing employees. I can’t say thank you enough for all the help. Forever grateful...”

-A home loan client in
Salem, Oregon


“I was very pleased with the speed and efficiency of the service I received. I would certainly recommend Stifel Bank for home financing.”

-A home loan client in
Peoria, Arizona


“Stifel Bank was proactive and made the journey and process understandable and easy. They even helped with a few road bumps to make it much easier for me to finalize my loan.”

-A home loan client in
Apple Valley, Minnesota


“My two loan processes with Stifel (a refinance and a new loan for a new home) could not have been easier or more stress free. Truly, thank you for being such a great example of what a home buying process can and should be. There are a million things in the process that can go wrong, and I never had a concern that Stifel would be one of the issues. You have made customers for life.”

-A home loan client in
Redondo Beach, California


33

Mortgage Lenders averaging

20

years of experience


Largest

St. Louis-Based Bank

Source: St. Louis Federal Reserve as of December 2019


2007

Stifel acquired FirstService Bank
to launch
banking & lending services


38

Commercial, Real Estate, and
Specialized Lenders