Stillwater Financial Planning

Stillwater Financial Planning is a fee-only fiduciary financial planner in Phoenix, Arizona, serving pre-retirees and retirees who have worked hard, saved well, and seek clarity and confidence in their retirement journey. The firm specializes in comprehensive retirement planning, including Social Security optimization, tax strategy, investment alignment, charitable giving, and estate and legacy planning. Christian Harris, CFP®, CKA®, founded the firm after experience in large financial institutions and private family offices, aiming to offer personalized, values-driven planning that is accessible to families beyond the wealthiest. The firm operates exclusively in the Phoenix area, serving clients in the 55 to 70 age range with a focus on long-term financial well-being and purposeful wealth stewardship. With a perfect 5.00 rating and positive reviews, Stillwater is known for its client-centered approach and trusted guidance.

Christian Harris, the firm’s founder and lead advisor, brings a unique blend of personal and professional experience to his practice. Raised in a family of financial advisors, he spent years serving with Young Life, including time in Hong Kong, where he learned the importance of trust and meaningful relationships. He later earned an MBA and became a CERTIFIED FINANCIAL PLANNER® before working in a large investment firm and a private family office. These experiences revealed a gap between impersonal, product-driven services and the deeply personalized planning reserved for the ultra-wealthy. Stillwater was created to bridge that gap, offering high-caliber, comprehensive financial planning built around clients’ lives, values, and long-term goals, without the influence of commissions or sales incentives.

Stillwater Financial Planning is located at 7301 N 16th St Suite 102 in Phoenix, AZ, situated just a short distance from Myrtle Wash and the Arizona Canal Diversion Channel. The office lies within the Skyline Heights neighborhood, about 0.3 miles from Sumida Park, a green space that serves as a local landmark. The surrounding area includes residential streets and natural drainage features, placing the firm near a quiet, accessible part of north Phoenix.

The firm stands out for its commitment to being fee-only and fiduciary, ensuring that its advice is aligned solely with clients’ best interests. Its planning-first approach, comprehensive service offerings, and emphasis on personal relationships have earned it a reputation as a trusted guide for those entering or already in retirement. Clients appreciate the clarity and confidence that come from having a detailed, values-informed financial plan.

In Phoenix, Stillwater Financial Planning helps individuals and families transition into retirement with purpose, resilience, and generosity, turning decades of hard work into lasting peace of mind.

Services:

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