Stillwater Investing

Stillwater Investing serves individuals (including high‑net‑worth clients) and a range of non‑retail entities — trusts, estates, pension and profit‑sharing plans, charitable organizations, corporations and managed investment pools — offering discretionary investment management alongside financial planning and consulting services. The firm also provides IRA rollover guidance and delivers written financial plans or ongoing consulting engagements depending on client needs.

The firm’s investment approach combines buy‑and‑hold “Defensive” models with an option for more active management, using fundamental, quantitative and qualitative analysis and periodic rebalancing to manage asset allocation and volatility. Stillwater Investing discloses use of a wider set of instruments — options, futures, foreign currencies and other derivatives — and the brochure notes practices intended to hedge currency risk and adjust model allocations to macro conditions.

What distinguishes Stillwater Investing from many peers is its registration and activity in the commodity/futures space: the firm is a member of the National Futures Association and registered with the CFTC as a Commodity Trading Advisor, a capability uncommon for a small advisory firm. The brochure also highlights experience in market education and client workshops (including Bloomberg terminal tutoring) and a client mix that includes institutional‑style accounts and managed pools, indicating operational breadth beyond a typical small advisory practice.