Fee-Only Fiduciary Retirement Planning · Phoenix, AZ
Retire with clarity.
Plan with a fiduciary who works only for you.
One-on-one retirement planning for pre-retirees and retirees who have worked hard, saved well, and want a trusted guide for what comes next.
Let's have a thoughtful conversation about where you are and what you want retirement to look like.
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:
You're not sure when to take Social Security, and you know timing matters enormously
You worry about a bad stretch in the market derailing 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?
You understand your Social Security options and feel confident in your filing decision
You have a diversified portfolio built around your retirement goals, not market predictions
You have a proactive tax strategy designed to help keep more of what you've saved working for you
You give generously to your family, your church, your causes, because your plan supports it
You've built real wealth, and now you have a plan that helps you steward it well
That's what thoughtful retirement planning is designed to support: 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®
A fee-only fiduciary specializing in retirement planning for pre-retirees and retirees in the Phoenix area.
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 experience reserved for only the wealthiest households. He wanted to offer something different, the caliber of planning built around the people who need it most.
As a CFP® and Certified Kingdom Advisor®, Christian brings both technical depth and a values-informed perspective. And as a fee-only fiduciary, his compensation comes only from the clients he serves, never from product sales or commissions.
Schedule Your Discovery Call
A clear path forward
You don't need to have everything figured out before we talk. The process is designed to meet you where you are and build from there.
1. Schedule a discovery call
A straightforward conversation about where you are and what you want retirement to look like. No pressure, no obligation.
2. Build your financial plan
A comprehensive look at your full picture, income, investments, taxes, Social Security, estate, and giving, built around your life, not a generic template.
3. Implement & stay on track
Once your plan is in place, we put it into motion and meet regularly to keep it current as your life evolves.
Questions people ask first
What does the discovery call cost?
Nothing. The discovery call is complimentary and carries no obligation. It exists so you and Christian can decide together whether working together makes sense.
What does fee-only actually mean?
Fee-only means Christian's compensation comes only from the clients he serves, never from product sales or commissions. No product pays him, so there is no incentive to recommend one over another.
What is a fiduciary?
A fiduciary is held to a standard that requires acting in your best interest. It means the advice is built around your goals rather than around selling a product.
Do I have enough saved to work with an advisor?
Stillwater is built for people in their 50s and 60s who have worked hard and saved well. The best way to find out whether it is a fit is a short, complimentary conversation.
Can you help with my 401k rollover?
Yes. A rollover can be considered as part of a complete retirement strategy, so the decision fits your broader plan rather than standing on its own. Whether a rollover is appropriate depends on your individual circumstances.
Take the first step toward a clearer retirement
A short, complimentary conversation is all it takes to see whether Stillwater is the right fit for you.
Schedule Your Discovery Call