Wisdom for Your Wealth. Clarity for Your Life

meet Christian Harris CFP®, cka®

Helping professionals and families navigate complexity through a process that’s transparent, purposeful, and rooted in timeless principles.

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This work is about more than money

As a second-generation financial advisor, Christian grew up seeing how meaningful this work can be. Financial planning isn’t just about numbers - it’s about helping people make decisions that reflect their values and bring order to their financial lives.

Over the years, he’s seen how even successful, responsible people can feel uncertain about whether they’re on the right track. Careers evolve, families grow, priorities shift - and it’s easy to lose perspective.

That’s why he founded Stillwater Financial Planning: to offer thoughtful, fiduciary advice that helps individuals and families bring clarity and structure to their finances through a process grounded in wisdom, simplicity, and trust.

THE JOURNEY TO STILLWATER How I Got Here

My story with financial planning started earlier than most - my dad is a financial advisor, and I grew up around the business. But like a lot of kids, I had dreams of setting my own course.

After college, I worked at a marketing agency, spent time overseas, and eventually served on staff with Young Life. Ministry taught me the value of walking with people through the ups and downs of life. I loved that work - and I started to realize I wanted to find a career where I could keep helping people in meaningful, practical ways.

That’s what led me to financial planning.

I went back to school, earned my MBA and became a CFP®. After working at a major investment firm, I joined a high-end private family office, where I got to work closely with attorneys, CPAs, and clients on everything from tax and estate planning to charitable giving.

Both experiences were valuable - but they also exposed two ends of a spectrum. One was too templated and sales-focused. The other was custom and thoughtful, but only accessible to a very small, very wealthy group.

I wanted to serve real people - families in transition, professionals navigating complexity, couples trying to be wise stewards of what they’ve built. So I started Stillwater Financial Planning.

WHAT MAKES STILLWATER DIFFERENT

Personal. Transparent. Values-Driven.

Stillwater Financial Planning was founded on the belief that financial advice should be personal, transparent, and grounded in timeless principles of stewardship and wisdom.

Many advisory firms rely on rigid models or sales-driven incentives. Stillwater takes a different approach - offering a collaborative process built on understanding and trust.

Fee-Only Fiduciary: Stillwater is compensated solely by the clients it serves - not through product commissions - helping goals remain fully aligned.
Personalized Process: Every client’s story is unique, and their financial plan should reflect their values, priorities, and goals.
Values-Based Planning: The firm’s work is informed by a belief that wise financial management can lead to greater clarity, purpose, and contentment.
Relational Focus: We take the time to listen, ask thoughtful questions, and provide steady guidance through life’s transitions.

At its core, Stillwater Financial Planning exists to bring clarity and structure to the financial lives of professionals and families - helping them make well-informed decisions with confidence and care.

WHO WE SERVE
Financial Guidance for Real Life

Stillwater Financial Planning serves individuals and families who value thoughtful, personalized guidance over one-size-fits-all advice.

Many of the firm’s clients are professionals in mid- to late-career, couples preparing for retirement, or families navigating major financial transitions—such as business sales, inheritances, or concentrated stock positions.

They’ve worked hard, saved diligently, and made wise decisions, yet still find themselves asking questions like:

Are we truly on track for retirement? Could our portfolio be better aligned with our goals and values? How do we simplify and bring everything together?

Stillwater helps clients bring perspective and structure to their financial decisions, connecting short-term choices with long-term goals.

The result is a planning relationship built on clarity, consistency, and a shared commitment to long-term stewardship.

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A Clear path forward

Financial planning can feel complicated, but having a defined process brings structure and confidence to each step. Stillwater’s approach is designed to help clients make informed, values-aligned decisions about their finances - one step at a time.

Discovery
Call

Every relationship begins with a conversation. We’ll discuss your goals, priorities, and the financial questions that matter most to you.

Financial Plan Development

Using what we learn, Stillwater builds a customized financial plan that reflects your values, goals, and current circumstances.

Implementation
and Review

Once the plan is in place, we assist with implementation and provide ongoing monitoring as your life and priorities evolve.
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VALUES THAT GUIDE OUR WORK

At Stillwater Financial Planning, values shape every conversation, recommendation, and relationship. Financial advice carries a responsibility of trust, and that trust deserves more than technical expertise—it requires integrity, care, and perspective.

These are the values that guide how we serve our clients:

Stewardship

Money is a tool to be managed wisely for the good of your family and community

Generosity

Giving changes how we see our resources and reminds us what truly matters

Dignity & Service

Every client deserves respect, empathy, and excellence

Wisdom & Discipline

Steady progress comes from applying sound principles and maintaining perspective through change

Simplicity

The strongest plans are often the clearest ones. Understanding your plan helps you stay the course.

These principles are more than ideals - they define how Stillwater approaches every aspect of financial planning and client care.

Backed by a Strong Partnership

To provide clients with a high standard of service and support, Stillwater Financial Planning partners with IHT Wealth Management, a nationally recognized Registered Investment Advisor (RIA).

This partnership allows Stillwater to stay focused on client relationships while IHT provides the operational scale and oversight of a large advisory firm.

  • Professional Market and Investment Research – Access to broad market insights, tools, and due-diligence resources that inform portfolio construction.
  • Administrative and Technology Support – Streamlined account management, reporting, and service efficiency.
  • Comprehensive Compliance and Oversight – An added layer of accountability and professional governance.

Together, Stillwater and IHT combine personalized, values-based financial planning with the structure, compliance oversight, and reliability of a well-established advisory platform.

Next Steps

Let’s Have a Conversation

You don’t have to navigate financial decisions on your own. Whether you’re preparing for retirement, managing new complexity, or simply ready for a clearer direction, Stillwater Financial Planning offers a process designed to bring structure and understanding to your financial life.

If you’re looking for a fiduciary relationship that’s personal, transparent, and aligned with what matters most, we invite you to connect.

Schedule Your Discovery Call
Thoughtful guidance for
what's important to you