Stillwater Investments

Stillwater Investments is a sole‑proprietor registered investment adviser that provides discretionary wealth management, portfolio management, and financial planning to individuals, trusts, and estates. The firm serves a limited number of individual clients and offers retirement-account guidance (including rollover recommendations where it may act as an ERISA fiduciary), with client assets held at third‑party custodians.

The advisor’s investment process is grounded in fundamental analysis and a predominantly long‑term orientation, constructing diversified portfolios from low‑cost mutual funds and ETFs while also employing individual stocks, bonds and options as needed. Portfolios are monitored continuously with rebalancing or shorter‑term trades used to address allocation, tax harvesting, or client cash needs, and clients can impose reasonable investment restrictions.

Noteworthy distinctions include the very small practice scale—one advisor serving roughly ten client relationships and managing a few million dollars—and participation in an Interactive Brokers institutional program that provides research, trading desk access, and other economic benefits to the firm. The principal maintains a separate real‑estate practice (about 10% of professional time) and the firm permits personal trading subject to a Code of Ethics and supervisory controls, features that may be atypical for firms of similar size.