The Vogler Wealth Management Group - Stifel

While there's no "playbook" for predicting sector performance in election years, our look at the last eight elections shows all S&P 500 sectors were on the rise after the ballots were cast.

Wishing you a fun and safe Independence Day!

Today we acknowledge, remember, and thank the heroes who gave the ultimate sacrifice for our nation.

Memorial Day www.stifel.com

"A mother is she who can take the place of all others but whose place no one else can take."
– Cardinal Meymillod

Happy Mother's Day! www.stifel.com

Are you concerned about how your estate may be taxed in the future? If so, a gifting plan is a great way to help you reduce your overall taxable estate.

Take Advantage of the Current High Gift Tax Exemptions Before Sunset grapevinesix.s3.amazonaws.com

Don't forget – Tax Day is April 15!

Wishing you and your family a Happy Easter!

Happy Easter! www.stifel.com

Holiday shopping is in full swing, which means more online shopping and, consequently, more cybercrime. Since 2021, the cost of cybercrime worldwide has almost doubled and is projected to skyrocket in the coming years as more and more shopping is done online.

Protect yourself by staying informed, using strong passwords, and avoiding suspicious links.

Happy Thanksgiving! What is your favorite pie?

Thanksgiving and pies – a classic pair, wouldn’t you agree? A recent study surveyed 1,000 Americans and asked them to choose their favorite pie to eat on Thanksgiving Day.
We dished out the numbers below – which pie has your vote?

A decline in your portfolio can be painful. It may even tempt you to pull money out of the market to avoid further losses. By the time you realize a rebound is underway, the best time to get back into the market may have already passed. In fact, missing the 10 best trading days over the past 20 years would have reduced your annual returns by 4.2% (annualized).

S&P 500 Returns (Time Spent in the Market vs. Timing the Market) www.stifel.com

Happy Veterans Day to all those who sacrifice so much to keep our country safe and strong. Thank you for your service!

In Honor of Veterans Day www.stifel.com

The IRS recently announced a $500 increase for the 401(k) contribution limit in 2024.

For more information: https://www.irs.gov/newsroom/401k-limit-increases-to-23000-for-2024-ira-limit-rises-to-7000 #

Any idea why ghosts don't have money problems?
(Comment below with your answer)

Happy Halloween! www.stifel.com

When it comes to your estate plans, do you have all your bases covered? We can coordinate with your estate planning attorney to help identify strategies that address estate planning issues you may not be aware of.

"Safeguarding the money of others as if it were your own" came from our firm's namesake, Herman Charles Stifel – a steadfast principle that continues to guide our firm today. "Stifel," however, is not a name you hear very often. So, where did the surname Stifel originate?

Get ready for back to school with Budget Bunny's free interactive resources. Visit BudgetBunny.com today to browse financial education materials that help children learn the importance of healthy money management.

Individuals who do not have children, have financially secure children, or hold strong charitable values can choose a Stifel Charitable Legacy Gift Fund to create a long-term giving plan and provide a lasting solution for their charitable giving goals.

Stifel Legacy Gift Funds are handled by Stifel Charitable Inc., which is a 501(c)(3) non-profit organization. Stifel Financial Corp. companies, including Stifel, Nicolaus & Company, Incorporated, Stifel Bank, and Stifel Trust Company, N.A., provide services to Stifel Charitable Inc. Stifel does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.

Did you know that Stifel offers three podcasts to keep you informed on the latest market trends?

Take a deep dive into the insights of our thought leaders – available on Spotify®, Apple® Podcasts, or Omny.

We've all heard the saying, "It's not about timing the market, but about time in the market." The graph below illustrates what could hypothetically happen to an investor's return if they were to miss the best 5, 10, 20, and 30 days.

Data is based on the Standard & Poor's 500 Total Return Index, a capitalization-weighted index generally considered representative of the U.S. large capitalization market. Index returns include the reinvestment of dividends but do not include adjustments for brokerage, custodian, and advisory fees. Indices are unmanaged and are not available for direct investment. Past performance is no guarantee of future results, and individual results will vary.

Happy Grandparents Day to all of the incredible pillars of wisdom, love and endless stories! Here's to cherished moments and the special bond we share.

Happy Grandparent's Day! www.stifel.com

Can you wear white after Labor Day?

This old tradition goes back to the late Victorian era, where it was a fashion faux pas to wear any white clothing after the summer officially ended on Labor Day.

Happy Labor Day! www.stifel.com

Back-to-school shopping can be expensive, and the expenses only grow as kids get older. The graph below shows the difference between expenditures for K-12 and college students. Notably, electronics remain the top category for both age groups.

Assessing your risk tolerance is one of the most important, and necessary, first steps in developing a sound financial strategy. It's important to understand the various risk tolerance levels and how they align with your short- and long-term goals.

Investing is a key component to building wealth and pursuing your long-term financial goals – and it's never too late to start! A personalized investment plan is crafted specifically for you, considering your unique circumstances, goals, risk tolerance, and time horizon. See the benefits below.

Have you ever wondered how a financial advisor may help you address your financial situation? There are a variety of services financial advisors are able to offer – we've highlighted just a few below:

It's never too early to start teaching children smart money habits, and you don't have to wait until they enter the workforce. There are many ways children can earn money and start learning how to save and spend wisely. What was your first job as a child?

Congratulations to Mikaela Shiffrin on winning ESPY's 2023 Best Athlete, Women's Sports!

"America was not built on fear. America was built on courage, imagination, and an unbeatable determination to do the job at hand." - Harry S Truman
Happy 4th of July!

Happy July 4! www.stifel.com

You can't anticipate an emergency, but you can be prepared. Discussing your estate strategy and financial situation with your family can help you avoid unnecessary stress should an emergency occur.

For more information: https://stifel.info/Family-Finances