Stillwater Financial Planning

Stillwater Financial Planning is a financial planner in Phoenix, AZ. It serves pre-retirees and retirees, typically individuals and families between the ages of 55 and 70 who have worked hard and saved well. The firm provides comprehensive, values-informed financial planning designed around the client’s life rather than a generic template. Services include retirement income planning, Social Security filing strategies, tax strategy management, investment alignment, charitable giving, and estate and legacy planning. The business holds a 5.00 rating based on customer reviews.

Christian Harris, CFP®, CKA®, founded the firm to offer the caliber of planning previously accessible only to the wealthiest households. He grew up around the business as his father is a financial advisor. After college, Harris served on staff with Young Life, including time in Hong Kong, an experience that taught him the value of trust in client relationships. He earned an MBA and became a Certified Financial Planner®, then worked at a large investment firm and a private family office alongside attorneys and CPAs. He founded Stillwater to bridge the gap between impersonal large firms and exclusive family offices.

The firm operates as a fee-only fiduciary, meaning its only compensation comes from clients, not from product sales or commissions. It leads with a comprehensive financial plan before making any investment decisions. The planning process addresses income, taxes, Social Security, estate, and giving goals. For those nearing retirement, the firm focuses on transitioning portfolios from growth-oriented to retirement-ready and managing Roth conversions and withdrawal sequencing. For those already in retirement, the services include ongoing tax planning, estate and legacy coordination, and portfolio stewardship to manage withdrawals and risk.

The business maintains a positive rating from the customers who have reviewed it.

Stillwater Financial Planning brings trusted, fee-only fiduciary guidance to Phoenix, helping local retirees navigate their financial futures with clarity and confidence.

The business is located on North 16th Street, about a tenth of a mile from Myrtle Wash and Sumida Park.

BizScoreAI gave the firm a Schema & Structure score of 100 out of 100, which ensures AI assistants and search engines understand exactly what the business is and what it offers. The Technical score of 88 out of 100 means the website is technically sound, secure, and indexable so search engines can read it without errors.

Services:

• Comprehensive Financial Planning
• Estate and Legacy Planning
• Investment Management
• Retirement Planning
• Tax Optimization Strategies