We had several stumps on our place hit w/ a stump grinder. They usually grind the stump down to about 4 inches BELOW ground level. As long as you arent' pulling a heavy disk or ripping shanks, most equipment will go over it. If you have several stumps it might get a little expensive. I was charged ~$20 per stump and couple of them were feet in diameter. Of course, you could do what the previous owner of some of my land did: drive a piece of rebar in each stump and top it with a Dr. Pepper can.