I am a firm believer in optimal asset allocation. While asset allocation does not ensure a profit and may not protect against loss, it can play a key role in establishing a sound investment strategy and mitigating risk to assets.

Here's a snapshot of my process:

• Fill out risk tolerance questionnaire to learn account expectations and financial personality
• Conduct follow-up meeting to make proposal and collaborate with adjustments
• Set action plan into motion
• Adopt a routine of ongoing communication to evaluate accounts
• Review progress in a meeting format or over the phone at your desired frequency

Using the Stifel Wealth Strategist Report® and leveraging Stifel's robust Wealth Planning professionals, investment proposals are recommended and influenced by one of six asset allocation models:

The above models provide an effective framework of how to construct the specific account investments for the desired degree of risk. To address my clients’ allocation targets, I predominantly incorporate individual stocks and bonds/certificates of deposit (CDs), mutual funds, exchange traded funds (ETFs), unit investment trusts (UITs), and annuities.