Stillwater Investing

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Stillwater Investing

Stillwater Investing is an independent advisory firm based out of Bangor, Maine.

Our job is to give you advice on saving money, building a portfolio, and reducing the risks that are often overlooked with investing.

08/14/2026

Not having a financial plan is a plan.
It's just not one you wrote.

The default plan works like this: spend what comes in. Save what's left, if anything's left. Take the financing that's offered. Retire on whatever remains, whenever that works out.

Nobody chose that plan. But it got written all the same — by habit, by lenders, by whoever sends the bills. A plan you didn't write tends to work for its author.

A real plan isn't complicated. Reserves with a number on them. Debt with a deadline. Investments with a job to do. Written down, and yours.

So the question isn't whether you have a plan. You already have one.

Is it the plan you want?

*Educational only — not personalized investment advice.

08/08/2026

If your parents never taught you about investing — do you stand a chance?

Yes. But it will not be by accident.

Ambition and smarts can turn you into an earner. Finance requires more: understanding. Investing has its own math, its own rules, its own traps. People spend whole careers on it. Nobody picks it up between patients, clients, and payroll runs.

So the real divide was never smart vs. not smart.

It's often between people who were taught it at home and those who were not.

You can see that divide in one place before anywhere else: interest.

If you don't understand how interest works, you'll often be the one paying it. If you do, you'll often be the one receiving it.

Which side of the divide are you on?

08/04/2026

A thank-you from our corner of Bangor.

Stillwater is a small shop. No marketing department, no billboard on I-95. What we have instead are clients who trust us with what they've worked hard for — and neighbors who pass our name along to a coworker, a sister, a friend who finally wants a plan.

Nearly everyone who sits down with us is here because someone they trust sent them. We never take that lightly. A referral is a piece of your reputation, loaned to us. Our job is to return it in better shape than we found it.

We started this firm believing that patient, disciplined, evidence-based investing can change the direction of a family's life and legacy.

Thank you for believing it with us — and for helping us do this work, one introduction at a time.

— Dale Hartt

*Investing always involves the risk of loss.

07/28/2026

We talk about investing like it's about money. It isn't.

It's about what the money is for.

For one family, it's a kid graduating college without loans. For another, it's retiring while your knees still work. A business that survives a hard winter. A parent moved closer to home. Being able to say "yes" when life asks an expensive question.

That's the real product. Not charts. Freedom.

And the way there is humbler than the industry makes it look: save steadily, build a portfolio, do not do anything stupid, and give it time. Nothing fancy.

Investing done with discipline quietly changes what a family can achieve.

Curious what smart investing could change for you? That's a conversation we love having.

— Stillwater Investing is an independent, fiduciary investment advisory firm in Bangor, Maine. Investing involves substantial risk, including possible loss of principal.

07/20/2026

The people we work with have one thing in common: they're exceptional at their craft.

Surgeons. Builders. Founders. People who spent twenty years getting great at one thing.

And somewhere along the way, they all figured out the same lesson: getting great at one thing means letting go of everything else. They don't do their own bookkeeping. They don't rewire their own buildings. Not because they couldn't learn — because their time is worth more where they're already great.

Managing money is a craft too. Tax drag, rebalancing, risk you can't see on a statement. Done well, it's lots of thinking and very few decisions — slow, patient work that rewards the kind of attention most successful people would rather give to their business and their family.

Delegation isn't giving up control. It's what mastery looks like.

You make it. We manage it.
Calm on the surface. Deep work underneath.

— Stillwater Investing is an independent, fiduciary investment advisory firm in Bangor, Maine. Investing involves substantial risk, including possible loss of principal.

07/14/2026

Every few months, our team gets a version of the same call.

Someone felt behind. A friend knew about a coin nobody had heard of — it was moving fast, and waiting felt like losing. So they leapt.

By the time they call us, the money is gone.

is the most expensive feeling in markets. It convinces smart, capable people — people who are excellent at what they do — that one big leap can make up for lost time. It rarely does. More often, it sets them back years.

If you feel behind, you don't need a moonshot. You need a plan, steady contributions, and time. That's not exciting. It's just what works.

Before you wire money into a "can't miss" opportunity, talk to someone whose job is to protect your future — not a friend with a hot tip. We'd rather talk you out of a mistake than help you recover from one.

Still water runs deep.

—
Stillwater Investing is an independent, fiduciary investment advisory firm in Bangor, Maine. Investing involves substantial risk, including possible loss of principal.

07/10/2026

We named this firm for calm. But one thing breaks it every time.
It's not market crashes. It's a certain kind of advisor we keep meeting.

You've met her too. Or him — the golf buddy, the guy from church, the friend of a friend. She remembers your kids' names, asks how your mother's surgery went, buys a sheet of raffle tickets at every fundraiser. She doesn't feel like an advisor. She feels like a family friend.

She also charges 1.75% a year. For some, even that isn't enough — so she earns commissions on the products she recommends: annuities that pay her the day you sign, and lock you in for years after.

The warmth may even be real. But it's also doing a job: it keeps you from asking the one question that changes everything.

Here's what makes us ferocious about this: the people who get hurt aren't foolish. They're loyal. They trusted a friend. And the fine print was written precisely for people who don't read fine print on a friend.

So ask. Ask us. Ask anyone managing your money:
How are you paid? Do you earn commissions on what you recommend? Will you put in writing that you're a fiduciary — legally required to put my interests first — on every account, all the time?

A real one won't flinch. We never do.

We protect our clients' money ferociously — from scammers, from fine print, and yes, from friendly people with unfriendly incentives.

Warmth is wonderful. It's just not the same thing as being on your side.
—
*Investing involves risk, including possible loss of principal.

07/06/2026

Not investing is like trying to win Monopoly without ever buying property.

You can play that way. You go around the board, collect your $200 every time you pass GO, and try to hold on.

But think about what that game actually feels like. Every few laps you land on someone else's square and pay rent. You're always paying. You never collect. And the players who bought property early? They're building houses on theirs — so the rent you owe them only climbs.

It's a hard way to play. Your whole game depends on landing on GO — on that paycheck arriving, forever. The day it stops — a layoff, an illness, retirement — the rent doesn't stop with it.

Here's the part that gets me: the person playing this way usually isn't careless. They could even be the best earner at the table — nobody collects that $200 like they do. They were just never shown that the game isn't won by circling the board faster. It's won by owning a piece of it.

And you can start owning at any point in the game. You don't need Boardwalk on day one. You just have to stop only paying rent — and start owning something that pays you back.

That's the whole reason Stillwater exists. Not to hand you reports to read — to help you own your piece of the board, so your money finally works as hard as you do.

—

From an architecture tour in Chicago — a terrific tour, and Dale highly recommends it. Turns out the hotels are a lot bigger in person.

*Investing involves risk, including possible loss of principal.

06/30/2026

We don't take every client. We are not built for everybody.

We do our best work for one kind of person: someone who's the best at what they do — and who cares as much about their family, their team, and their legacy as they do about their craft.

The people we work with have usually spent decades getting very, very good at one thing. They don't want an advisor who treats them like an account number, and they can tell within a meeting or two whether someone sees them.

So we keep our list small enough that we genuinely know the people on it. We know their kids. We know what they're building and what keeps them up at night. When something changes — a windfall, a sale, a hard year — we're not hearing about it from a form.

That's the whole point of Stillwater. We'd rather know a handful of people completely than skim the surface with a thousand.

If that's the kind of relationship you've been missing, you'll know where to find us.

P.S. The home of America's original patriot in the background. Any guesses?

*Investing always involves risk of loss.

06/26/2026

It is not easy to be the best at what you do.

You’re busting your butt every day to stay at the top. The leaders, operators and craftsmen who helped you get there deserve more than a government check when they retire.

Choosing the right investment changes what’s possible.
• Designing retirement plans that include meaningful employer matching up to IRS limits
•Educating your team so they understand their options and can make confident choices
• Selecting effective, low-fee investments tailored to what your business and people need based on historical returns data.

That’s how you build a retirement worthy of the people who helped you become the best.

Not just for you.

Build the foundation for your team so they can retire with dignity and freedom — the kind most people only dream about.

They helped you win.
Now you have the chance to make sure they win too.

* Investing involves risk, including the potential loss of principal. Outcomes depend on individual circumstances, time horizon, and market conditions.

Address

Veazie, ME
04401

Telephone

+12079621849

Website

https://www.stillwaterinvesting.com/contact_us

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