Tim Howard

Stifel, Nicolaus & Co., Inc. (Stifel) is a dual-registered broker-dealer and investment adviser headquartered in St. Louis, Missouri. Founded in 1890, the firm is a subsidiary of Stifel Financial Corp. (NYSE: SF), a financial service holding company. Stifel provides full-service brokerage and investment advisory services to individuals and their families, institutions and businesses, and financial advisors.

OPTIMUM Wealth Management LLC is a private company that specializes in property management services for homeowners associations and communities. The company is based in St. Louis, MO. The company's services include HOA management, professional property management, and community management. The company also provides services such as associa property management, HOA property management, and property management.