Investment Management

Having fiduciary oversight on the assets you place in our care requires us to always act on your behalf. Our wealth of experience, paired with our personal touch gives our clients the momentum to achieve their dreams.

Services Include:

  • Time is one of your most precious commodities. Having discretion empowers us to make decisions on your behalf that are consistent with your goals and risk capacity. This relationship allows us to act quickly to deploy our wisdom and experience to help grow your assets.

  • The greatest advantage of this platform is simplicity: we prosper as you prosper. In lieu of charging a commission per transaction, we charge a fee based on a percentage of your total assets. This minimizes conflicts of interest and allows you to receive objective guidance. Your assets are held directly with National Financial Services (NFS), a wholly-owned subsidiary of Fidelity Investments*.

    *Fidelity Investments and National Financial Services LLC together ("Fidelity") is an independent company, unaffiliated with Commonwealth or Stillwater Planning Group. Fidelity is a service provider to both. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity Investments provides clearing, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC.

  • Also known as “ESG,” “Green,” “Sustainable” or “Socially Conscious” investing, we can design a plan where your investments are aligned through the use of research that seeks to consider both financial return and social good.

    Investments are subject to risk, including the loss of principal. Environmental, social, and governance (ESG) criteria is based on a set of nonfinancial principles in addition to financial principles used to evaluate potential investments. The incorporation of nonfinancial principles (i.e., ESG) can factor heavily into the security selection process. The investment’s ESG focus may limit investment options available to the investor. Past performance is no guarantee of future results.

  • You have the ability to choose how you want to engage us. Our most preferred method is a traditional assets under management arrangement, where we’re compensated based on a percentage of the assets under our care, or a consulting arrangement, where we can advise you on assets not in our custody.

  • We utilize a vast array of securities including institutional-level mutual funds, ETF’s, stocks & bonds, options, and specialized alternative investments.

  • Through our streamlined model management process, we are able to efficiently monitor and manage our client’s portfolios on a daily basis. Using our deep research analytics we build portfolios to fit our client’s financial planning needs. This allows our team to spend more time servicing our clients.

Insurance & Estate Planning

An organized estate is one of the greatest gifts you can leave your family. With so many pieces often overlooked, you’ll have peace of mind knowing your family will receive everything you’ve worked so hard for.

Services Include:

  • As an independent firm, we have the tools to perform a comprehensive review and give straight-forward advice. Our extensive insurance network will facilitate the implementation of any new coverage your plan requires.

  • We are experienced and equipped in protecting your most vulnerable family member, and will coordinate with your team of advisors to ensure there is a dependable long-term solution.

  • We can provide guidance to help minimize what your estate gives to the federal or state governments, and maximize the impact your wealth has on your loved ones.

  • Through our partnerships with local community foundations, we help facilitate and develop a lasting legacy for the people and organizations closest to your heart.

  • We will work with your estate planning attorney to make sure your strategies are implemented seamlessly with minimal effort on your behalf.

  • It can be one of the most overlooked items in your estate plan, so we work diligently to make sure your beneficiary selections are up-to-date and your accounts are titled properly.

Business Planning

We’re business owners, too. Our team is here to guide you through all the tough fincancial decisions entrepreneurs and growing businesses need to make. Stay profitable, stay protected, and ensure a successful future for your entire team.

Services Include:

  • Time is one of your most precious commodities. Having discretion empowers us to make decisions on your behalf that are consistent with your goals and risk capacity. This relationship allows us to act quickly to deploy our wisdom and experience to grow your assets.

  • We’ll partner with you and the rest of the trustees on your company’s retirement plan, ensuring that your many responsibilities and duties are both acknowledged and fulfilled.

  • You don’t always have to offer the same thing to all of your employees, and we can help you develop a plan to reward those employees who are most crucial to your success.

  • Ensure that your business will continue to run efficiently without you through the use of buy/sell agreements, key man, and other insurance strategies.

  • We can help you and your top employees sustain and maximize your growth by directing your discretionary cash flow into tax-advantaged, long-term solutions.

Tax Planning

It’s not about how much you make but how much you keep. Stillwater Planning Group’s team of experts will help ensure you get the best return possible.

Services Include:

  • With an emphasis on pre-tax savings plans, we will work with your tax professional to help you identify available deductions that could potentially have an immediate impact on your tax burden.

  • We’ll provide insight so your legacy can pass as efficiently as possible to your loved ones and charitable organizations, in conjunction with gifting strategies to reduce the tax exposure to your estate.

  • Whether you have a large position in a single company or your closely held family stock, we have the tools to help you address this concentrated wealth issue and come to a solution.

  • We will take the initiative to work with your CPA on a multitude of tax savings strategies such as IRA to Roth IRA conversions, stock option grants, tax-exempt income, 1031 exchanges, qualified dividends and qualified charitable distributions.