Clear View Wealth Advisors, LLC | Financial Advisor in Wilmington ,MA

25 Lowell Street
Suite 105
Wilmington, MA 01887

Plan Well. Invest Smart. Live Better.


About

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.

27 Years of Experience



General Information
Firm Start Year:   2010
No.of Employees:   1
Insurance License#:   N/A
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


Services
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 Information
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


Compliance
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%
Hourly Rate:   $90-$250
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


Education
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



FAQs

  • Do you have a customer satisfaction or refund policy? While we are not allowed by law to provide a guarantee on investment services, we do offer financial planning clients the choice of waiving the balance of their plan fee if they feel that we have not provided sufficient value.
  • What are your qualifications? What is your education background? I completed the rigorous training and examination requirements for the CERTIFIED FINANCIAL PLANNER (tm) and CHARTERED RETIREMENT PLANNING COUNSELOR (sm) designations which focuses on retirement income planning issues. To better serve clients going through divorce, I also completed the training and testing offered through the Institute of Divorce Financial Analysts.
  • What is your approach to financial planning? My goal is to develop a deep understanding of what it is that each client needs and expects. Then I utilize the multi-step approach outlined by the CFP Board of Standards: gather, analyze, report/present, monitor, and review. I also utilize technology that allows us to collaborate remotely and update plans regularly.
  • What services do you offer? I offer a full range of financial planning and investment management services. including comprehensive financial plans and limited-scope plans focused on specific planning issues. The planning areas available include tax planning, college funding and financial aid strategies, divorce planning and settlement analysis, retirement planning and Social Security claiming strategies.
  • How many clients do you currently manage? In order to provide the highest level of client service possible, I limit the clients I serve. During the course of a year I typically provide financial and tax planning services to approximately 150 households. For direct investment services, I presently handle a dozen households.
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DISCLOSURE


DISCLAIMER

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, CFP, CRPC, AEP

Steve Stanganelli, CFP, CRPC, AEP

AEP, CERTIFIED FINANCIAL PLANNER™ Certificant, CRPC, Masters in Finance - Financial Planning Focus

Biography


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.

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My Services


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


Communities Served

Acton Amesbury
Andover Ayer
Bedford Beverly
Billerica Boston
Boxborough Boxford
Burlington Byfield
Cambridge Carlisle
Charlestown Chelmsford
Concord Danvers
Dover Dracut
Essex Georgetown
Hanscom Afb Haverhill
Ipswich Jamaica Plain
Lawrence Lowell
Lynn Lynnfield
Manchester Marblehead
Maynard Merrimac
Middleton Newbury
Newburyport Newton
North Billerica North Chelmsford
North Reading Peabody
Reading Rowley
Salem South Hamilton
Tewksbury Topsfield
Wakefield Waltham
Wenham West Newbury
Westford Winchester
Woburn ME

Office Hours

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

Compensation Arrangements

Check Money Order
Visa MasterCard
American Express Discover
PayPal Purchase Order
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News & Events


Stanganelli Comments on Trump's $9 Billion Revelat
When: 06/16/2015
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
When: 12/20/2012
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
When: 01/03/2013
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
When: 12/07/2012
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
When: 03/01/2012
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


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