Clear View Wealth Advisors, LLC is a fee only registered investment adviser offering financial planning for college, divorce, retirement and business. We serve individual, family and business clients throughout Greater Boston and Massachusetts.
The firm offers flat rate financial planning and low-cost investment advisory services utilizing stocks, bonds, mutual funds and Exchange Traded Funds. Our investment approach combines a strategic asset allocation core with tactical satellite allocations. Our investment philosophy is summed up this way: Clients win by not losing. So our focus is on managing investment risks.
We provide independent financial and tax advice. We do not receive commissions and no insurance, annuity or investment products are sold.
Areas of planning focus: College Funding · Tax Planning · Divorce · Family Spending Plans · Retirement Income · Insurance & Annuity Evaluations · Investment Advice for in-service 401(k)s.
Steve Stanganelli, CFP®, CRPC® is the principal of the firm. He is a CERTIFIED FINANCIAL PLANNER ? Professional and CHARTERED RETIREMENT PLANNING COUNSELOR (sm) and works directly with clients in the Boston, North Shore, Merrimack Valley and Essex County areas of Massachusetts.
As fiduciary advisers, we minimize conflicts of interest and put your interests first.
Whether your challenge is minimizing taxes, providing a guaranteed income for retirement, funding college education, or paying off debt and managing cash flow, our team of allied professionals will help you define and achieve your goals using unparalleled resources, proven strategies and conflict-free advice.
|Firm Start Year:||2010|
|Name of Broker/Dealer:||N/A|
|Name of Custodial Firm:||Pershing & Folio Institutional|
|States Licensed in:||MA, NH|
|Number of Years with Current Firm:||7|
|Work Experience:||30 years in financial services and banking|
|I work with the following types of clients:||Businesses , Individual Investors , Non-Profit Organizations , Retirees|
|Investment Types:||Mutual Funds , Bonds , Stocks , Annuities , Commodities , Mortgages & Real Estate , Exchange Traded Funds (ETFs) , Alternative Investments , Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||Via email , At your home , At my office , At your office , Via phone|
|Qualifications & Memberships|
|Financial Organization Memberships:||National Assoc of Tax Professionals , National Association of Estate Planners & Councils (NAEPC) , National Association of Personal Financial Advisors (NAPFA) , Financial Planning Association (FPA) , Paladin Registry|
|Non-Financial Organization Memberships:||Merrimack Valley Estate Planners Council,|
|Firm's Number of Clients:||104|
|Firm's Number of Planning Clients:||78|
|Firm's Number of Managed Clients:||26|
|Assets Managed by Firm:||$4,105,000|
|Advisor's Number of Clients:||104|
|Advisor's Number of Managed Clients:||26|
|Advisor's Number of Planning Clients:||78|
|Assets Managed by Advisor:||$4,105,000|
|Registered Investment Advisor:||Yes|
|Investment Advisor Representative:||Yes|
|I am an acknowledged fiduciary:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
|Compensation & Fees|
|Fee Structure:||I am a Fee-Only financial professional|
|Minimum Portfolio Size for New Managed Accounts:||$1|
|Compensation Methods:||Hourly , Based on Assets , Flat Fee|
|Fee % Based on Assets:||0.60%|
|Flat Fee Rate:||$750|
|Additional Details on Charges:||Planning fees range based on time, scope and complexity; Flat rate projects are available and not based on hourly rates. Planning fees are separate from investment management service fees or tax preparation services|
|Minimum Fee Charged for Managed Accounts:||$480|
|Minimum Fee Charged for Hourly Planning Accounts:||$90|
|Minimum Fee Charged for Flat Fee Accounts:||$2500|
|Master of Science - Finance (Financial Planning Concentration)||
Bentley University - Waltham, MA
September 1989-May 1991
|Bachelor of Arts - Economics & Political Science||
University of Massachusetts - Lowell - Lowell, MA
September 1982-October 1986
|CERTIFICATE - Chartered Retirement Planning Counselor||
College for Financial Planning - Denver, CO
May 2007-August 2007
This is not an offer or solicitation to do business in any area where Clear View Wealth Advisors LLC is not authorized, licensed or exempted to conduct business. We offer fee only financial planning and investment management services in areas where we are registered (MA & NH) or otherwise permitted by law.
Steve Stanganelli is a five-star rated, board-certified financial planning professional who has over 20 years of experience coaching individuals and businesses on ways to improve and protect their personal or business bottom line.
Steve has worked with numerous individuals and businesses as a mortgage banker, business owner, business finance consultant and now as a CERTIFIED FINANCIAL PLANNER ? Professional as well as a certified retirement planner and college funding planner.
His practice encompasses retirement income planning, investment management, divorce settlement analysis and college funding strategies. He is a published author and regularly presents on these topics to businesses, civic groups and community organizations.
Steve works with a variety of individuals and families with a special focus on Baby Boomer pre-retirees, business owners, corporate executives and medical professionals.
Steve earned his Master of Science degree in Finance (MSF) from Bentley University with high distinction. He is also an honors graduate of the University of Massachusetts ? Lowell.
Steve holds the designations of CERTIFIED FINANCIAL PLANNER ? and CHARTERED RETIREMENT PLANNING COUNSELOR ? awarded after completion of extensive, in-depth studying and exam requirements.
Steve is a member of the Greater Merrimack Valley Estate Planning Council. Steve, formerly of Methuen, is a resident of Amesbury where he lives with his wife, Kristin, a Registered Dietitian, and their sons, Spencer and Zachary, and daughter, Sabrina. He is an avid competitive cyclist.
Financial Advice & Consulting
We offer a range of advisory services at affordable flat rates making professional advice accessible to many who simply need help with their money and tax questions. We offer comprehensive and modular advisory services to individuals that can include a host of financial issues: * help with cash management (including budgeting, paying off debt and managing credit), * risk management (i.e. insurance needs and planning), * investment planning (such as investment advice, supervisory services, and/or portfolio reviews), * tax preparation, * tax planning for businesses and college funding, * retirement planning, * Social Security or pension claiming strategies, * estate planning, * college funding, * divorce planning, * stock option strategies, * self-directed IRA assessment, * evaluation of mortgage, real estate and investment options and * financial education programs. Services can be on-going or limited in time and scope. Planning services are tailored to your specific needs. Advice may be provided in written reports or other electronic or telephonic communications with you.
Education Funding & Planning
Help for parents and grandparents with college-bound students to save ON the cost for college. Through this personalized program, clients will find ways to strategically save on the cost of college, qualify for more financial, find scholarships and lower their overall income tax bill. * Strategies to Lower Family Contribution * Cash Flow Model with Accelerated Debt Repayment * Personalized Tax Saving Strategies * Scholarship Search Tools
Investment Management & Advice
Periodic investment advisory service available for individuals with company-sponsored retirement plans like a 401(k). Services include comprehensive investment risk profiling assessments, an overall asset allocation and investment plan created and quarterly or semi-annual evaluation of retirement plan holdings with the advisor making changes to the holdings and allocations according to a client-approved investment road map. Flat fee program option is a fraction of the rate applied to investments held outside of a company-sponsored plan. * Periodic Advice to Guide Your 401k Selections * Client Retains Control & Assets
|North Billerica||North Chelmsford|
|Mon.||9:00 AM - 5:00 PM|
|Tue.||9:00 AM - 5:00 PM|
|Wed.||9:00 AM - 5:00 PM|
|Thu.||8:00 AM - 5:00 PM|
|Fri.||8:00 AM - 6:00 PM|
|Sat.||1:30 PM - 5:00 PM|
Stanganelli Comments on Trump's $9 Billion Revelat
Details:Steve Stanganelli CFP of Clear View Wealth Advisors is quoted as part of a Washington Post article discussing Donald Trump's net worth estimate revealed as part of his campaign announcement for President. ...more
Boston Area Financial Planner and Firm Commit to A
Details:Steve Stanganelli, CFP® of Clear View Wealth Advisors Pledges Financial Support of Non-Profit Advocacy Group, Coalition to Stop Gun Violence and the Educational Fund to Stop Gun Violence, in wake of Newtown Shootings ...more
Essex County Financial Planner Offers New Service
Details:Clear View Wealth Advisors Announces WealthCare Tune-Up Program to provide affordable access to CFP Professional and financial planning services to eastern Massachusetts consumers. Online tools allow ongoing support to track financial fitness. ...more
Amesbury Financial Planner Recognized for Service
Details:Steve Stanganelli, CFP® of Clear View Wealth Advisors Awarded Preferred Provider Status for 2nd Year Status awarded based on programs available to medical professionals. These specialized programs were developed in response to the need of healthcare professionals and distinguished Clear View from many other contenders including the Student Debt Elimination Program for career starters, the Practice Starter Program for those launching their own business and the Successful Transition Plan for those considering retirement from medicine or dentistry. ...more
Amesbury Financial Planner Receives National Healt
Details:Steve Stanganelli, CFP®, CRPC® of Clear View Wealth Advisors, LLC has been named an MD Preferred Financial Advisor. Mr. Stanganelli joins an elite group of professionals who have qualified for this recognition based on both real world work experience and professional credentials. ...more