retire with clarity live with confidence
give with freedom
Fee-only retirement planning for pre-retirees and retirees who have worked hard, saved well, and want a trusted guide for what comes next.
you've done everything right. So why doesn't Retirement feel clear yet?
You’ve saved diligently, lived below your means, and made thoughtful decisions for decades. But retirement is a different kind of challenge, and you find yourself asking:
DOES THIS Sound Familiar?
You're not sure when to take Social Security - and you know timing matters enormously
You worry about a bad stretch in the market dereailing everything you've worked for
You know taxes will be a major factor in retirement, but you're not sure how to manage them
You want to give generously, but you're not confident you can afford to
You've accumulated real wealth, but you're not sure your plan is ready for what comes next
what retirement could feel like
What if the questions that keep you up at night had clear, confident answers — and you had a trusted guide who helped you get there?
Here’s what that can mean for your financial life:
You know precisely when to claim Social Security, and you're confident in your filing decision
You have a resilient, diversified portfolio built around your retirement goals, not market predictions
You have a proactive tax strategy that is designed to keep more of what you've saved working for you
You give generously - to your church, your kids, your causes - because your plan supports it
You've accumulated real wealth, and now you have a plan that helps you steward it well
That’s what a great retirement plan makes possible - clarity about where you stand, confidence in where you're headed, and the freedom to be generous along the way.
Meet your advisor
Christian Harris, CFP®, CKA®
Christian founded Stillwater after seeing both ends of the advisory spectrum — the large, sales-driven firm where clients felt like account numbers, and the deeply personalized family office experience reserved for only the wealthiest households. He wanted to offer something different: the caliber of planning that was previously out of reach for most families, built around the people who actually need it most — those in their 50s and 60s who have worked hard, saved well, and deserve a trusted guide for what comes next.
As a CFP® and Certified Kingdom Advisor®, Christian brings both the technical depth and the values-informed perspective that his clients are looking for. And as a fee-only fiduciary, his only compensation comes from the clients he serves — never from product sales or commissions.
a clear path forward
You don't need to have everything figured out before we talk. Our process is designed to meet you where you are and build from there.
Schedule a
Discovery Call
Build Your
Financial Plan
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comprehensive retirement planning
All under one roof
Retirement planning isn't just about investments. At Stillwater, your full financial picture is addressed in one coordinated plan — with one advisor who knows what matters to you.
planning for the road ahead
For those in the final stretch before retirement, the right decisions now can make an enormous difference in what retirement actually looks like.
Retirement Income: Build a clear picture of what your financial life will look like on day one of retirement
Social Security: Build a filing strategy designed to support your income goals throughout retirement
Tax Strategy: Manage Roth conversions, tax brackets, and withdrawal sequencing before retirement begins
Investment Alignment: Transition your Portfolio from growth-focused to retirement-ready
stewarding what You've built
For those already in retirement, the focus shifts to making your wealth work for the life you want to live — and the legacy you want to leave.
Ongoing Tax Planning: Keep more of what you've saved through proactive, year-round tax strategy
Charitable Giving: Build a giving strategy that reflects your values and supports the causes you care about
Estate & Legacy: Ensure your wealth takes care of the people and causes that matter most to you
Portfolio Stewardship: Manage withdrawals, rebalancing, and risk with a long retirement in mind
See your Retirement picture more clearly
This free tool helps you explore how you're tracking towards the retirement you envision.
It’s a simple way to begin organizing your thoughts and identifying the areas that might benefit from further planning.