guidance for every stage of life
At Stillwater Financial Planning, we serve clients across all seasons of life - from mid-career families laying the groundwork for long-term success to retirees seeking clarity and confidence in the next chapter.
No matter where you are, our process is designed to bring structure, purpose, and direction to your financial life.
How we serve you
Pre-Retirees & Retirees
Turning Your Life’s Work into a Clear, Sustainable Plan
As you approach retirement, your priorities shift from accumulation to stewardship. Stillwater helps you bring structure and clarity to income, investments, and legacy decisions, so your financial life feels coordinated and purposeful.
What We'll Focus On:
- Retirement Income Planning – Converting savings into reliable income and coordinating withdrawals across accounts.
- Investment Alignment – Managing portfolios with an evidence-based approach that reflects your goals and comfort level.
- Tax Strategy – Structuring distributions and accounts thoughtfully to help improve after-tax efficiency.
- Legacy and Generosity Planning – Preparing for wealth transfer and charitable giving to reflect your values and impact goals.
Ideal For:
Individuals or couples within 10 years of retirement, or those already retired and seeking a long-term advisory relationship grounded in clarity, consistency, and trust.
professionals & families
Building a foundation for wise stewardship
In your career and family-building years, life moves fast and financial decisions stack up. Stillwater helps you simplify, stay organized, and align your finances with your goals and values so you can spend more of your time focused on what matters most.
What We'll Focus On:
- Goal-Based Planning – Turning aspirations into actionable steps for saving, investing, and protecting your family’s future.
- Cash Flow and Debt Management – Balancing income, expenses, and debt repayment to keep your financial life on track.
- Investment Coordination – Aligning 401(k)s, IRAs, and other accounts with your overall plan and timeline.
- Protection and Family Planning – Integrating insurance, education savings, and estate documents to safeguard what matters most.
Ideal For:
Professionals and young families in the wealth-building stage who want to be intentional with their money, set long-term goals, and establish a solid foundation for future success.
Simple, Transparent Pricing
Stillwater combines comprehensive planning and investment management into one straightforword, percentage-based fee.
an integrated view of your financial life
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
Taxes
Cash Flow Management
Investing
Charitable Giving
Leaving a Legacy
These areas form the heart of our work - no matter what season of life you're in.
Which Path Is Right for You?
Whether you're approaching the complexities of retirement or simply need help getting started investing, 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.
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.