Our Firm

Wealth Management

To help you fulfill your client’s wealth management goals, we have designed a best-in-class approach to serve as your unbiased guide to countless investment and planning opportunities.

Sterne Select Managers*

At the heart of the Sterne Select Managers program is a highly select group of money managers chosen for long-term consistency of style and performance, including many boutique firms. The investment process begins with a personal consultation. Through this interview, we will design a core plan based on your time horizon, objectives and ability to handle risk. From that plan, your Financial Advisor generates a formal proposal that is designed to maximize the client’s returns relative to their risk tolerance. Sterne Agee Investment Advisors will then work with the chosen investment managers to ensure that the portfolio is invested according to the client’s wishes. Continuous monitoring is necessary to maintain compliance with the plan.

Sterne Select Funds: Classic & Classic Plus*

For many investors, staying diversified helps to alleviate concerns about being in the right place at the right time. Diversifying your portfolio makes you less dependent on the performance of any single asset class. The Sterne Select Funds Classic Plus portfolios were developed for advisors looking for diversification in a discretionary asset allocation program with access to the alternative asset classes. Asset allocation is the process of combining asset classes such as stocks, bonds, cash and/or alternatives in a portfolio. Your asset allocation is determined by your financial needs and goals, your investment time horizon and your attitude toward risk. Effective diversification requires combining assets with low correlations – those that behave differently in various market conditions. Of course, diversification
does not ensure a profit or protect against a loss.


Sterne Select Funds: Tactical*

Sterne Select Funds Tactical was developed out of the need for clients to have access to discretionary portfolio management that employs the techniques of tactical asset allocation, long-short funds, leveraged funds and market timing. These strategies are coupled together in an effort to enhance return as well as manage risk through hedging. When employing these dynamic portfolio designs, changes may be made at frequent intervals as a result of the Portfolio Manager’s changing assessment of the relative risks and returns of various market conditions. The Manager of these models is concerned with a forward-looking, global thesis, utilizing some of the newest funds available. Because these models use newer funds and those with built-in leverage, they are only appropriate for those investors with a moderate, moderately aggressive or aggressive risk tolerance.

 

Capital Resource Account

A single account for all of your banking and investment needs? Absolutely. At Sterne Agee Financial Services, our Capital Resource Account links competitive money market mutual fund yields with services such as:

  • No Minimum Balance Requirement
  • Unlimited Check Writing
  • VISA® Platinum Rewards Credit Card
  • VISA® Platinum Check Card
  • On-Line Bill Pay
  • Margin Loan Access for Overdraft Protection

Use this account to automatically sweep cash between your money fund and your brokerage account, make purchases, direct deposits and withdrawals from your account, pay bills and keep an accurate record of all transactions. As a result, you can easily monitor and manage all of your cash from one central account.


Retirement Planning

Sterne Agee acts a as custodian for several qualified retirement accounts and offers a spectrum of retirement investment options to your clients, including:
 

  • Rollover IRAs
  • SEP-IRAs
  • 401(k) Plans
  • Defined Contribution Plans
  • Roth IRAs
  • Self-Directed IRAs

 

Estate and Personal Trust Services

The Trust Company of Sterne Agee, Inc. is staffed by professionals with broad industry experience, who are well versed in trust, estate and retirement planning services. They offer a comprehensive program based upon a sound investment discipline which focuses on preserving and protecting client assets, minimizing taxes, meeting current and future income needs as well as providing for the seamless distribution of wealth to future generations. The Trust Company is a vital partner in fiduciary relationships. A full range of trust services is available through The Trust Company of Sterne Agee.
 

 *Advisory products and services offered through Sterne Agee Investment Advisors, Inc.