investing in your family’s financial future in your familys... · egoland dr d e e e eigo fwy...
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Call Evan Hennessy…
Evan HennessyVice President/Investments
www.EvanHennessy.net (760) 804-3424(866) 431-2389
5780 Fleet Street, Suite 250 | Carlsbad, California 92008 Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
Do you believe you deserve to be heard?We believe in listening to you to understand your needs and clearly see your financial goals.
Do you want financial advice and services specific to your needs?We understand. You want knowledgeable, clear advice and reliable service for a straightforward fee in harmony with your vision and goals.
Do you feel your financial advisor places you first?We realize it’s our privilege to help you work toward your dream of financial freedom. We’re honored to help you pursue your family’s financial future.
We want to be your financial advisor.
Investing in Your Family’s Financial Future
WHO DO YOU TRUST FOR YOUR STOCK RESEARCH? HOW CONSISTENT ARE THEY FOR ACCURATE EARNINGS ESTIMATES?
Stifel won 12 awards in the 2015 Thomson Reuters Analyst Awards, ranking the firm seventh out of 167 qualifying U.S. firms.
For the year 2015, StarMine ranked Stifel/KBW Equity Research:
∙ In its top 10 rankings for the 12th consecutive year.
• #1 in overall covered companies of less than $1 billion in market cap
• #1 in covered U.S. domiciled companies overall, with 1,420 companies
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
Coverage rankings are according to Thomson Reuters. Award rankings include Stifel affiliate Keefe, Bruyette & Woods (KBW) and other firms acquired by Stifel Financial Corp.
About the Thomson Reuters StarMine Analyst Awards – StarMine, a leading provider of objective ratings of sell-side securities analysts, measures the performance of analysts based on the industry excess returns of their buy/sell recommendations and the accuracy of their earnings estimates. The 2015 StarMine Analyst Awards recognize sell-side analysts who have shown outstanding performance as earnings estimators from April 1, 2014 through March 31, 2015, or stock pickers during calendar year 2014. In determining the winners, StarMine identified the top three earnings estimators and stock pickers in 64 industries, as well as the top ten earnings estimators and stock pickers overall among 167 qualifying U.S. firms.
Evan HennessyVice President/Investments
www.EvanHennessy.net (760) 804-3424 | (866) [email protected]
Investing in federal tax-free municipal bondsKeeping more of the money they’ve worked so hard for is important to most individuals. For this reason, investing in vehicles that are exempt from federal taxes can be very attractive.One of the very first tax-advantaged investments, municipal bonds, is still one of the most popular today. Municipal bonds are debt obligations issued by states, cities, towns, or public commissions to provide income that is free of federal and, in some cases, state and local taxes. Although income generated by most municipal bonds is exempt from federal taxes, any capital gains earned from the sale of bonds are subject to all federal and most state tax laws. Certain issues may be subject to the alternative minimum tax as well.Investors may choose from a variety of municipal bonds with varying maturities. Municipal bonds may also be purchased through mutual funds.
By investing through a municipal bond fund versus purchasing individual bond issues, you can benefit from both diversification and ongoing professional management of the fund. Also, municipal bond funds pay monthly tax-free income, unlike the underlying bonds, which pay semi-annual or annual interest.Investors should consider a fund’s investment objective, risks, and charges and expenses carefully before investing. The prospectus, which contains this and other important information, can be obtained by contacting your investment professional and should be read carefully before investing. The investment return and principal value of an investment will fluctuate, so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Bonds are subject to interest rate risk, such that prices on existing bonds will generally decline as interest rates rise.
Need more tax-free income?An industry leader…Stifel plays a significant role in our region’s municipal bond market. Our prominent public finance team ranks among the nation’s top firms, underwriting bond issues of all types and sizes.
Building communities…Our investors have a variety of municipal bonds to choose from that offer varying maturities and provide income that is free of federal, and in some cases, state and local taxes.*
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
ranked senior underwriter in California by number of issues and par amount for 2015#1
* Although income generated by most municipal bonds is exempt from federal taxes, any capital gains earned from the sale of bonds are subject to all federal and most state tax laws. Certain issues may be subject to state and alternative minimum taxes. When investing in bonds, it is important to note that as interest rates rise, bond prices will fall.
Source: Thomson Reuters (SDC: True Economics to Book Runner), negotiated transactions
Call Evan Hennessy…
Evan HennessyVice President/Investments
www.EvanHennessy.net (760) 804-3424 | (866) 431-2389
5780 Fleet Street, Suite 250Carlsbad, California 92008
The Crossingsat Carlsbad
LegolandCalifornia
Legoland
Museum of Making Music
Carlsbad Premium Outlets
The Flower Fields
Cannon Road
Faraday Ave
Cannon Road
Cannon Road
Fleet St
Armada Dr
Armada D
r
Legoland Dr
Legoland Dr
Palomar Airport Rd
Paseo Del Norte
Paseo Del Norte
Paseo Del Norte
San Deigo FWY
Avedida Encinas
Carlsbad Blvd
Oceanview
Dr
San Deigo FWY
Avedida Encinas
Avedida Encinas
Palomar Airport Road
Paseo Del N
orte
Palomar Airport Rd
Hilton Garden InnCarlsbad Beach
Hid
den
Valle
y Ro
ad
Turnstone Rd
The Crossings Dr
Grand Paci�c Dr
Costco
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
Evan HennessyVice President/Investments
www.EvanHennessy.net (760) 804-3424(866) 431-2389
[email protected] Fleet Street, Suite 250 | Carlsbad, California 92008 Your local Stifel office.