Stillwater Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$33,991,865
Clients
42
12% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
42
HighAverage account size
$809,330
About
The firm is a solo, state-registered independent advisory practice that manages roughly $34 million for about 42 clients, primarily individuals and high‑net‑worth households, and also provides project‑based and ongoing comprehensive financial planning. In addition to individual portfolio management, the firm offers retirement plan services to employer plan sponsors and participant‑directed retirement accounts.
Its investment approach emphasizes Modern Portfolio Theory and largely passive portfolio construction using index mutual funds and ETFs, while also citing fundamental analysis to inform asset‑class and security selection. Client relationships are implemented via individualized investment policy statements, with discretionary management and the ability for clients to impose reasonable restrictions on holdings.
What is distinctive for a small independent, solo adviser is the active retirement plan practice — the firm advises and monitors employer plans and acts in a fiduciary capacity under applicable retirement‑account rules, a service relatively uncommon among peers. The firm also bundles ongoing comprehensive financial planning with its investment management clients (without an additional charge for those clients) and its principal holds CFP certification and an accounting/finance background, with disclosed involvement in real estate investment activities.
Client services
Financial planning
Portfolio management
Retirement plan consulting
Expertise
Business ownership considerations
Retirement income strategy
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
$0 - $1,000,000: 1.50% $1,000,001 - $2,000,000: 1.25% $2,000,001 - $3,000,000: 1.00% $3,000,001+: 0.75%
Account minimum: $100,000 (may be waived at the firm's discretion) Minimum fee: $1,000 minimum annual fee for Investment Management Services Fee-only: Project-Based Financial Planning fixed fees range from $500 to $5,000 depending on complexity and scope; Ongoing Financial Planning fees start at $3,000 per year
Main office location
Stillwater Financial
1431 South Western Road
Stillwater OK 74074, United States
Number of offices
1
Most active in
Stillwater Financial has reported serving >5 clients in these states in the last 12 months.
Louisiana · Oklahoma
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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