Services

Our Service Paths

At Stillwater Financial Planning, we offer two clear service paths to help you align your money with what matters most - whether you're ready for a full partnership or simply seeking thoughtful guidance to get started.

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Our Two Service Paths

Stillwater Wealth Partnership

Comprehensive planning + investment management

Our flagship service integrates personalized financial planning with professional investment management to create a powerful, unified strategy designed to help you reach your goals with greater confidence.

What's Included:

A personalized financial plan built around your life, values, and goals
Ongoing investment management that actively aligns your portfolio with your plan
Regular check-ins and plan updates as your life and markets evolve
Ongoing access to one-on-one advice and support throughout the year

Pricing

Percentage fee structure based on assets under management

No formal asset minimum - ideal for clients with $250,000+ in investable assets

Why choose this?

This service simplifies your financial life by connecting your investments and your plan into one clear, coordinated approach. With ongoing investment management, your portfolio is actively monitored and adjusted to align with your long-term plan - helping to reduce stress, avoid costly mistakes, and keep your financial journey on track.

Stillwater Planning Path

Financial planning without investment management

If you're not ready to delegate your investments - or just want to start with a clear, personalized plan - this path gives you thoughtful guidance and a strategy tailored to your life.

What's Included:

A custom financial plan aligned with your values and goals
Two planning meetings per year (initial plan + annual review)
Email and phone support for follow-up questions
Ongoing access to planning resources and tools

Pricing

Flat fee structure, paid annually or monthly

Upgrade anytime: If your situation changes, you can transition into the Wealth Partnership at any time.

Why choose this?

This service is ideal for clients who are building their financial foundation, navigating life transitions, or seeking clarity and structure to make more confident financial decisions - without the need for ongoing investment management.

What We Help You Plan For

Financial planning at Stillwater is about more than just the numbers - it’s about helping you move forward with clarity and purpose. Together, we’ll design a plan that reflects your values, supports your goals, and adapts as life changes.

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

Retirement

Design a clear strategy for the retirement you envision, and a plan for your money to support it

Taxes

Find opportunities that could help you keep more of what you earn through proactive tax planning

Cash Flow Management

Bring structure to your income, spending, and savings so you can make financial decisions with greater confidence

Investing

Align your investments with your goals and manage them as part of a coordinated long-term plan

Charitable Giving

Build a thoughtful plan for generosity so you can support the people and causes you care about

Leaving a Legacy

Make intentional choices about how your wealth - and your values - will be passed on

This is the heart of the work we do - whether through a planning-only engagement or a more comprehensive relationship.

Which Path Is Right for You?

Whether you’re looking for a long-term partner or just need help getting started, we’re here to walk alongside you. Every service we offer is grounded in the belief that money is a tool—not the goal—and that 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.

Schedule Your Discovery Call

No pressure. Just honest, helpful guidance.