Services

Our Service Paths

At Stillwater Financial Planning, we offer two clear paths designed to help you align your financial life with what matters most. Whether you’re looking for a long-term advisory partnership or thoughtful planning guidance, we're here to help.

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Our Two Service Paths

COMPREHENSIVE WEALTH MANAGEMENT

integrated financial planning + investment management

Our flagship service combines personalized financial planning with professional investment management to create a coordinated strategy tailored to your goals and circumstances.

What's Included:

  • A personalized financial plan that reflects your life, values, and goals
  • Ongoing portfolio management aligned with your financial plan
  • Regular reviews and plan updates as your life and markets evolve
  • Access to ongoing advice and support throughout the year

Pricing

Percentage fee of assets under management
No formal asset minimum - best suited for clients with $250,000+ in investable assets

Why choose this?

This service brings your investments and financial plan together in one cohesive approach. Your portfolio is professionally managed and monitored to stay consistent with your objectives, giving you clear direction and continuity across every area of your financial life.

personal financial planning

comprehensive planning without investment management

If you prefer to manage your own investments - or simply want to begin with a well-structured plan - this path provides clear, personalized guidance built around your goals and values.

What's Included:

  • A custom financial plan designed around your priorities and objectives
  • Two planning meetings per year (initial plan + semi-annual review)
  • Ongoing access for questions and plan adjustments
  • Planning tools and resources to support implementation

Pricing

Flat fee paid annually or quarterly
Upgrade anytime - seamlessly transition to our flagship service as your needs change

Why choose this?

Ideal for clients building their financial foundation, managing life transitions, or seeking clarity and structure before adding investment management. It offers the same thoughtful planning process as our full partnership - just without delegated portfolio management.

What We Help You Plan For

Financial planning at Stillwater is about more than numbers - it’s about creating alignment between your finances and your life. Together, we’ll design a plan that reflects your values, supports your goals, and adapts as life evolves.

Here are some of the key areas we help clients navigate:

Retirement

Develop a clear strategy for the retirement you're preparing for, and align your plan to support it

Taxes

Identify strategies that may improve tax efficiency through proactive planning

Cash Flow Management

Organize income, expenses, saving and giving to make informed, confident decisions

Investing

Build and maintain a portfolio that supports your goals as part of a coordinated long-term plan

Charitable Giving

Create a purposeful giving plan that reflects your values and supports the causes you care about

Leaving a Legacy

Make intentional decisions about how your wealth - and your values - will be pass on

These areas form the heart of our work - whether through a planning-only engagement or comprehensive advisory relationship.

Which Path Is Right for You?

Whether you're seeking long-term partnership or simply need help getting started, Stillwater Financial Planning is here to guide you forward.

Every service we offer is grounded in a simple belief: money is a tool, not the goal - and wise stewardship leads to lasting impact.

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Ready to Take the Next Step?

Whether you need a full financial plan, investment guidance, or both — we’d love to help you move forward with clarity and confidence.

Let’s start with a simple conversation about where you are, what’s important to you, and how we can help.

Schedule Your Discovery Call
No pressure. Just honest, helpful guidance.