Stillwater Financial

Stillwater Financial Services is a solo independent advisory firm that primarily serves individual clients, including high-net-worth individuals, and also provides advisory services to employer-sponsored retirement and profit-sharing plans. Its service menu includes discretionary portfolio management, project-based and ongoing comprehensive financial planning, and retirement plan consulting and participant education; the firm also offers digital asset investment management for clients who opt into that capability.

The firm’s investment approach blends fundamental analysis with modern portfolio theory to construct client-specific asset allocations, typically implemented using passive vehicles such as index mutual funds and ETFs to limit turnover and costs. Client investment policy statements drive portfolio construction and allowable restrictions, and when managing digital assets the firm uses independent trading platforms and qualified custodians (e.g., Onramp Invest with custodial arrangements through providers like Gemini Custody or Prime Trust).

What distinguishes the practice from many peer solo advisers is the explicit retirement plan management offering and the firm’s role as an ERISA fiduciary for plan advisory engagements, a service that relatively few independent advisers provide. The adviser principal holds professional credentials in financial planning and has an accounting and industry background, and the firm emphasizes periodic portfolio reviews and integrated financial planning that is coordinated with custodial reporting and third‑party statements.