Estate planning options at Stifel

TOD accounts are not available to residents outside the United States.¹

IRA beneficiaries are designated on Stifel's Beneficiary Designation Addendum/Change form or a form acceptable to Stifel, with Stifel Bank as custodian.¹

An IRA designation is effective only when filed during the owner's lifetime, and each new designation cancels previous ones.¹

A trust may be named as a designated beneficiary of a TOD account. Stifel may require written notice from the court-appointed personal representative identifying the trustee.¹

Each designated beneficiary of a TOD account must be a U.S. citizen and a lawful U.S. resident.¹

One or more primary beneficiaries are named with percentages totaling 100%. Percentages left unstated are treated as equal shares.¹

Spousal consent must be completed and notarized when the account holder has a living spouse who is not a joint owner, the couple live or have lived in a community property jurisdiction, and the spouse is not the sole primary beneficiary.¹

An attorney-in-fact, guardian or conservator may not make or change a TOD designation unless the governing document or a court order expressly authorizes it.¹

For investment accounts. Sent by the institution on request.¹

For IRAs. Sent by the institution on request.¹

For investment accounts. Sent by the institution on request.¹

The TOD designation offers six options for what happens if a primary beneficiary dies before the account holder, and the account holder chooses one.¹

A TOD designation is effective only once received and accepted by Stifel Corporate Headquarters, and acceptance must occur before the account holder's death.¹

A TOD designation is changed or revoked with a TOD Beneficiary Update or Revocation Form, which is effective only when accepted by Stifel before the account holder's death.¹

TOD accounts are not available to residents of Louisiana.¹

TOD accounts are not available to residents of Puerto Rico.¹

Stifel accounts can be held in a representative capacity, including as a trustee.¹

Each Stifel Trust account has a dedicated Trust Officer and Investment Officer.^{2, 3}

Custodian of Stifel IRAs¹

Trust and fiduciary services as trustee, co-trustee, agent, personal representative (executor) or custodian^{2, 3}

Trust and fiduciary services, including Delaware directed, dynasty and quiet trusts³