With the Heltzel Kalloz Financial Advisory Group, we understand that all of the pieces of your life interlock like the pieces of a jigsaw puzzle. The pieces of your investment plan should interlock too, eventually creating the picture of the tomorrow you wish to see. That’s why we work with you to examine, organize, assemble, and complete your investment plan, while providing a key piece in the puzzle: objective, professional guidance.

Organizing the Pieces
We review your financial statements, insurance, and other documents while listening to your needs and concerns. We get to know you on a personal level, so we understand your priorities in life and your tolerance for risk. Based on this understanding, we lay all of the puzzle pieces out on the table, right side up.

Separating the Pieces
The four cornerstones of investment planning - retirement, estate planning strategies, risk mitigation, and investment - become the four corner pieces of your personal puzzle as we recommend the strategies designed to suit your present needs and future goals. With this framework in place, we can fill in the rest of your puzzle together.

Assembling the Pieces
We piece together the center of your investment planning puzzle using asset allocation, systematic investment research, and appropriate product selection. We proceed carefully, so we never try to jam in a piece where it doesn’t belong. We assemble a clear picture that we present to you for your approval.

Completing the Puzzle
After completing the puzzle, we periodically review it with you to ensure the pieces are working well together. Just like a puzzle, your investment plan can be taken apart and reassembled, so as your individual situation and financial markets change, we reconfigure it together to make sure the picture continues to address your needs and goals.

Stifel and its associates do not provide legal advice. You should consult with your legal advisor regarding your particular situation. Asset allocation does not ensure a profit or protect against loss.