Stillwater Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm is a solo, state-registered independent advisory practice that manages roughly $34 million for about 42 clients, primarily individuals and high‑net‑worth households, and also provides project‑based and ongoing comprehensive financial planning. In addition to individual portfolio management, the firm offers retirement plan services to employer plan sponsors and participant‑directed retirement accounts.
Its investment approach emphasizes Modern Portfolio Theory and largely passive portfolio construction using index mutual funds and ETFs, while also citing fundamental analysis to inform asset‑class and security selection. Client relationships are implemented via individualized investment policy statements, with discretionary management and the ability for clients to impose reasonable restrictions on holdings.
What is distinctive for a small independent, solo adviser is the active retirement plan practice — the firm advises and monitors employer plans and acts in a fiduciary capacity under applicable retirement‑account rules, a service relatively uncommon among peers. The firm also bundles ongoing comprehensive financial planning with its investment management clients (without an additional charge for those clients) and its principal holds CFP certification and an accounting/finance background, with disclosed involvement in real estate investment activities.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.50% $1,000,001 - $2,000,000: 1.25% $2,000,001 - $3,000,000: 1.00% $3,000,001+: 0.75%
Account minimum: $100,000 (may be waived at the firm's discretion) Minimum fee: $1,000 minimum annual fee for Investment Management Services Fee-only: Project-Based Financial Planning fixed fees range from $500 to $5,000 depending on complexity and scope; Ongoing Financial Planning fees start at $3,000 per year
Main office
1431 South Western Road
Stillwater OK 74074
Advisors at this office
1
Most active in
Louisiana · Oklahoma
Also doing business as
Stillwater Financial · Stillwater Financial Services, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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