Our approach is goal-based, strategic, and tailored to your long-term vision.

Stillwater Capital Management is a full-service wealth management firm providing personalized financial planning and disciplined investment management.

Our Services

We work with individuals, families, and institutions to develop strategies aligned with their unique financial goals. As a Registered Investment Advisor (RIA), we operate under a fiduciary standard — meaning every recommendation is made in your best interest.

  • Every client relationship begins with a comprehensive financial plan. We identify your priorities, evaluate your current financial position, and create a structured roadmap designed to support your objectives.

  • We design and manage customized portfolios built around your risk tolerance, time horizon, and income needs. Our disciplined investment process focuses on long-term growth, risk management, and tax efficiency.

  • For families seeking comprehensive oversight, we provide coordinated investment management designed to preserve and transfer wealth across generations.

  • We provide fiduciary investment management for trusts, endowments, foundations, and nonprofit organizations, aligning portfolios with both financial objectives and mission-driven goals.

  • We advise on and manage a broad range of retirement accounts, including:

    • 401(k) & 403(b) Plans

    • Simplified Employee Pension (SEP) Plans

    • Traditional & Roth IRAs

    • Custodial IRAs

    • Defined Benefit Plans

    Our retirement planning strategies are designed to support both accumulation and sustainable income distribution.

  • We integrate tax-efficient investment strategies into your broader financial framework to help preserve wealth and improve your long-term tax situation.

Ready to Get Started?

Digital Tools

  • Digital Account Opening and Digital Account Maintenance

    Open and manage your accounts digitally with ease and efficiency.

  • A white laptop floating above a light blue background, with a shield with a checkmark symbol displayed on its screen.

    Securely store and share important documents with your wealth management team.

  • Close-up of a laptop displaying financial dashboards with charts, graphs, and revenue statistics.

    Online Portfolio Access with the ability to link external accounts for a consolidated financial view.

Line graph showing fluctuating data points over a day, with time labels and numerical scale on the vertical axis.

Our Custodian: Charles Schwab

We partner with Charles Schwab as our independent custodian.

An independent custodian plays an essential role in protecting your assets. As a financial institution, Charles Schwab securely holds your securities and provides independent monthly statements and trade confirmations directly to you, ensuring transparency at all times. All deposits are made payable solely to your Schwab account — never to our firm.

Our partnership with Charles Schwab reflects our commitment to safeguarding client assets with security, accountability, and independent oversight.

Person working on a laptop displaying a dashboard with graphs and charts, sitting at a white desk with glasses and a smartphone nearby, and a vent on the wall behind.

Why Work With Us?

  • Personalized financial planning

  • Fiduciary investment advice

  • Disciplined portfolio management

  • Coordinated strategy across all aspects of your financial life