STILLWATER FINANCIAL

Overview

Stillwater Financial is an independent registered investment adviser focused on serving individuals and family clients with financial planning and portfolio management for individuals and small businesses. The firm runs a fee model that combines percentage-of-AUM billing with hourly and fixed fees, reflecting a mix of ongoing advisory relationships and project-based work. Investment activity favors pooled public vehicles—mutual funds and other public funds—rather than a heavy lineup of individual equities, and the firm does not position itself as an ESG-first adviser. Advisory work centers on personalized planning and discretionary portfolio management. Stillwater Financial does not operate as a capital allocator or pension consultant; instead it relies on third-party managers for niche exposures and uses custodial platforms to execute and hold client assets. The firm’s classification and owner structure (an individually owned limited liability company) support a boutique, client-centric practice model.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices