Skip to main content

Helping you reclaim your time and peace of mind by turning complex finances into a clear, proactive plan.

Proactive, goals-based financial planning.
Our Services

Guiding You Through Every Financial Decision

Cash Flow & Tax Planning

Effective cash flow and tax planning form the backbone of a sound financial strategy.

Read More

Cash Flow & Tax Planning

  • Cash flow planning & budgeting is the foundation of any financial plan
  • We help you automate saving, investing & strategic distributions (for those in retirement)
  • Tax planning is more than just Roth conversions. It is employee benefit elections, entity structuring, tax loss harvesting, tax professional coordination & more
  • The end goal is maximizing lifetime tax savings, not just this year’s tax savings

Investment Management

An investment strategy built around your financial goals, your plan’s required risk, and your own personal risk tolerance.

Read More

Investment Management

  • Is your portfolio highly concentrated in the S&P 500 or your company’s stock?
  • Is your portfolio constructed to combat sharp market declines?
  • Do you have a strategy that addresses high inflation and deflationary environments?
  • Here’s how we can help: Advisor Alpha (piece)

Risk Management & Insurance Planning

We help protect your loved ones, your income, and what you’ve built

Read More

Risk Management & Insurance Planning

  • We help protect what you have built by reviewing:
    • Life insurance
    • Disability insurance
    • Property & Casualty insurance (homeowners, auto, flood & umbrella)
    • Business insurance
  • To develop your own risk management & insurance plan that transfers risks that expose your financial plan

Education & Student Loan Planning

Education is one of the most impactful investments you can make. Ensure you are planning for it before and after graduation.

Read More

Education & Student Loan Planning

  • Education planning is a common goal for many families. They want to give their children the best education possible, and sometimes that costs money.
  • We help you navigate 529 plan funding & management and discuss potential gifting opportunities within your family structure
  • For those who left school with loans, it can be a large financial burden that appears impossible to address given its everchanging nature
  • We partner with leading student loan professionals to evaluate loan consolidation, refinancing opportunities, and forgiveness

Equity Compensation & Business Planning

Do you not understand your RSUs, stock options, or ESPP? Are you a solopreneur trying to navigate unchartered waters? This is for you.

Read More

Equity Compensation & Business Planning

  • Most companies fail to provide adequate education when it comes to equity compensation provided to their employees
  • It can be a great wealth builder if managed properly, or a wealth destroyer, and that is where we come in
  • Our team helps you analyze stock options, RSUs, early exercises, and ensure you are making the necessary tax elections (like 83(b) elections)
  • We help you understand the tax implications and communicate with your tax professional each step of the way
Retirement Planning Icon

Retirement Planning

When can you retire? Do you want to be work-optional and retire early? What does your retirement lifestyle look like? You have questions, we have answers.

Read More

Retirement Planning

  • The most common financial goal: retirement.
  • For some, that looks like work-optional or financial independence retire early (FIRE)
  • For others, it is a hard stop. Either way, we help you navigate both the financial requirements and lifestyle considerations to lead a happy, healthy retirement
  • Our team helps you determine savings rate goals, sustainable withdrawal rates, health insurance planning & more

Estate & Legacy Planning

When can you retire? Do you want to be work-optional and retire early? What does your retirement lifestyle look like? You have questions, we have answers.

Read More

Estate & Legacy Planning

  • There are two types of estate plans: the one you draft or the one the government writes for you
  • Do you have estate documents and a plan? If so, when was the last time it was reviewed or updated?
  • We help give our clients control over their estate administration to ensure assets are transferred tax-efficiently, in their preferred manner
  • Our team also helps vet estate planning attorneys and holds strategy calls to reduce costs and ensure it is implemented
Professional icon

Professional Coordination

Delegation. Let us help you communicate with your accountant, insurance broker, estate attorney and any other financial professional in your life.

Read More

Professional Coordination

  • As your financial quarterback, we help coordinate and communicate with your other professionals
  • In short, we know our areas of competency and outsource the rest, but remain involved
  • Our team interviews and vets professionals to help create a rolodex available to you as a client
    • Oftentimes, execution falls to the wayside when clients are asked to own it alone
  • We are there every step of the way to ensure the goal is communicated, delivered, and executed

Have you Met Your DIY Expiration?

Do you know your personal finances deserve more attention than you can give them? Stillwater helps high-earners, pre-retirees, and retirees plan intentionally to achieve their financial goals at all stages of life.

See if we are a fit