Steve Stanganelli, CFP(R), CRPC(R)

Steve Stanganelli, CFP(R), CRPC(R)

Clear View Wealth Advisors, LLC dba Divorce Finance Pros.com and CollegeCashPro.com
Offices in Amesbury, Lawrence, Wilmington and Woburn, MA - Greater Boston, North Shore, Cape Ann, Merrimack Valley & Seacoast NH

Fee-Only Comprehensive Financial Planning, Divorce Planning, College Funding & Investment Management - Contact Steve

Specialties
  • 401(k) rollovers, asset allocation (investment planning), comprehensive financial planning, divorce planning, education planning, elder issues, investment and asset management, retirement income planning, retirement planning, small business retirement plans and sudden wealth
Unique Services
Privacy Policy
  • Your information will not be sold or rented. Read more
  • Your privacy is taken very seriously and neither your contact information nor your financial information will be shared with another professional outside of the advisor's firm or any organization, unless you expressly allow it. You can opt out of educational emails at any time.

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About Steve Stanganelli

Steve Stanganelli is a five-star rated, board-certified, fee only financial advisor holding both the CERTIFIED FINANCIAL PLANNER (TM) and CHARTERED RETIREMENT PLANNING COUNSELOR (SM) designations. Stanganelli, who has over 20 years of experience coaching individuals and businesses on ways to improve and protect their personal or business bottom line, is the principal and founder of Clear View Wealth Advisors, a Registered Investment Adviser.

Steve provides clients with a personalized, needs-based financial road map that is built around each client's personal circumstances, goals and dreams.

Steve's primary goal is to understand the specific situation and needs of each client and then create a plan that will help guide them towards their financial goals.

Steve Stanganelli CFP(R): Helping Your Money Work Smarter for Better Bottom Lines.

As a CERTIFIED FINANCIAL PLANNER (tm) Professional, Steve works with clients to prepare a road map to help clients make smarter money moves through all of life's challenging transitions.

These personal road maps can be comprehensive or modular focusing on specific issues to help clients achieve their goals or support making a time-sensitive decision like buying a home or choosing elder care options.

Part of the process is also educating clients on the decisions that go in to making these plans, why exactly they are being made and some of the possible circumstances that their decisions may have.

In particular, Steve specializes in the various issues related to retirement: plan design, investment management, 401(k) rollovers, Roth IRA conversions, and retirement income planning.

Steve also has specialized training through the International Academy of Collaborative Professionals and the Institute for Divorce Financial Analysts in divorce financial planning and acting as a financial neutral in collaborative "no court" divorce actions.

In addition to standard investment management services, Steve also works with Baby Boomer parents on alternative college funding solutions that position a client to maximize needs-based and merit-based student financial aid.

As a fiduciary and representative of a Registered Investment Advisor, the needs and interests of Steve's clients will always come first. Since Steve never sells investment products or receive hidden commissions from third parties.

Clients receive objective expert advice, free from the potential conflicts of interest related to advisor compensation.

Three things that are very important to Steve with regards to financial planning are

  • providing integrated, forward-thinking solutions to Baby Boomer professionals for retirement, college or divorce planning;
  • helping individuals through transitions with creative yet objective advice; and
  • providing a risk-managed approach to investing.

Steve enjoys working with business owners or professionals in transition to help guide them through these sudden wealth and life-changing events.

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 (tm) Professional.

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 College with high distinction. He is also an honors graduate of the University of Massachusetts at Lowell.

Steve holds the designations of CERTIFIED FINANCIAL PLANNER (tm) and CHARTERED RETIREMENT PLANNING COUNSELOR (sm) awarded after completion of extensive, in-depth studying and exam requirements.

Steve has been an executive officer 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 infant son, Spencer. He is an avid competitive cyclist.

Experience

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 (tm) Professional. After completing an extensive training program with a national broker-dealer, Steve transitioned his practice to a boutique investment advisory firm adopting a fee-only approach offering more comprehensive financial planning services free from typical conflicts of interest.

Education

1989 - 1991

Bentley College (now Bentley University)
M.S., Finance with focus on Personal Financial Planning

1982 - 1986

University of Lowell (now University of Massachusetts - Lowell)
B.A., Economics and Political Science with Minor in Mathematics

College for Financial Planning
CHARTERED RETIREMENT PLANNING COUNSELOR (sm)

Tallahassee Community College (Extension Campus)
CERTIFIED FINANCIAL PLANNER (tm) Coursework

Unique Services Offered by Steve

Steve specializes in providing the following services:
  • Divorce Financial Planning
    ABOUT THIS SERVICE

  • While most financial planners and accountants excel in their chosen field, most may have little or no training specifically related to the financial issues of divorce.

    Divorce is never easy.

    There are often difficult issues that must be resolved. You and your attorney need to create a solid game plan with a clear goal in mind. You will need professional support as you enter mediation, collaboration, divorce court, or a settlement.

    Alimony. Pensions. Child Support. Divisions of Real Estate and Property like Stock Options or a Business.

    Each of these have long-term tax and financial impacts. Proper evaluation of options will help in getting you back on track.

    Services for the Divorcing Client:

    We make every effort to:

    • Evaluate your personal assets
    • Determine your spouse's assets
    • Analyze the value of shared assets, such as your house and securities

    We provide advice in key areas:

    • How assets can be equitably divided
    • When "equal" does not mean "equitable"
    • Selling or retaining the house
    • Insuring and protecting child support and/or alimony plans
    • 529 college savings plans
    • What you should expect to keep
    • What your spouse may expect to keep

    We plan for your future:

    • Your financial rights and responsibilities
    • Tax and estate issues
    • Your personal household budget
    • Your retirement and savings options
    • Financial analysis of the impact on your new lifestyle

    You'll begin your new life with:

    • Peace of mind
    • A blueprint for the future
    • The knowledge that you have made the best possible decisions for you and your family

    Services for Attorneys:

    Our services include:

    • Presenting powerful, specific case exhibits in the form of spreadsheets and graphs
    • Providing professional financial support covering all financial contingencies
    • Analysis of income and asset data to determine the impact of various settlement proposals
    • Testifying as an expert witness if needed

    Contact Steve to learn more

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  • Divorce Financial Neutral for Collaborative/No-Court Divorce
    ABOUT THIS SERVICE

  • Collaborative Practice, including Collaborative Law and interdisciplinary Collaborative Divorce, is a new way for you to resolve disputes respectfully -- without going to court -- while working with trained professionals who are important to all areas of your life.

    The heart of Collaborative Divorce (aka "no court divorce") is to offer you and your spouse or partner the support, protection, and guidance of your own lawyers without going to court. Additionally, Collaborative Divorce allows you the benefit of child and financial specialists, divorce coaches and other professionals all working together on your team.

    Contact Steve to learn more

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  • College Funding Strategies for Business Owners
    ABOUT THIS SERVICE

  • Paying for college is a daunting challenge. And more than anything else it's also a retirement challenge since every dollar used to pay for school tuition or loans is potentially a $1.30 less in retirement savings.

    There's more to paying for college than opening up a 529 Savings Plan.

    Through our time-tested approach and resources I will help you with personalized strategies that will improve your odds of lowering your Expected Family Contribution (EFC) and increase your chances for student financial aid while reducing your tax burden.

    I can even help prepare the required financial aid forms so that you don't overstate your assets and income which will help you lower your college funding burden.

    Contact Steve to learn more

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  • On-Call Retained Advisor Service
    ABOUT THIS SERVICE

  • Have you ever had a financial decision to make and needed some trusted advice from an experienced pro?

    Now you can have access to a board-certified tax, retirement or financial planning professional without worrying about billable hours or high commissions.

    This program is designed to provide a second opinion or action plan to help guide you through any type of question you may have throughout the year.

    No need to worry about the clock. This is a flat fee service making financial planning reasonably accessible to everyone.

    Programs start for as little as $1 per day - less than the cost of a cup of coffee.

    IDEAL USES:

    • Buying or refinancing a home? Get help evaluating mortgage financing terms
    • Need a new car?
    • Deciding on whether to finance or lease a car?
    • Where should you be invested? Get a tailor-made asset allocation to help control risk
    • Open enrollment for company benefits? Advice on what options to take
    • Elder parents? Help sorting out elder care choices and finances
    • Kids going to college? Understand your financing options and strategies to increase college aid

    Are you a Parent or a Grandparent?

    Consider a gift subscription for your child or grandchild to help them start their journey with a proper map and compass.

    Contact Steve to learn more

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  • Retirement Income Management Service with SMART (C) Portfolio Withdrawals
    ABOUT THIS SERVICE

  • You, Your Retirement, and Clear View. One Goal - Your Financial Success.

    What Do You Do When Your Regular Paycheck Stops?

    How do you turn a retirement nest egg into a sustainable cash flow to support your post-work lifestyle?

    • Comprehensive Retirement Income Planning with an Integrated and Customized Asset Allocation to Provide You with SMART (C) Portfolio Withdrawal Strategies
    • Customized Investment Strategies Designed to Replace and Generate Income in Retirement
    • Development of a Sustainable Withdrawal Strategy So Your Money Doesn't Run Out Before You Do
    • Regular Monitoring and Reporting to Help You Stay on Track

    Steve Stanganelli CFP(R) provides planning for the next stage of your life.

    With specialized training as a CHARTERED RETIREMENT PLANNING COUNSELOR (sm), Steve Stanganelli CFP (R) will show you how to protect your nest egg, make it last and pay out more to you than in taxes to Uncle Sam.

    Contact Steve to learn more

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  • MarketFlex Portfolio Services
    ABOUT THIS SERVICE

  • Investment advisory services combining the "best of breed" active mutual fund managers with index funds and risk-controls.

    We offer a variety of service options for clients seeking investment management.

    1.) Periodic Advice for investment portfolios or retirement assets based on an hourly fee. Steve Stanganelli (R) provides the recommendations and the client implements the advice on his own custodial platform of choice.

    2.) Direct Management for investment portfolios including existing, in-service 401(k)s for a percentage of assets managed. Steve Stanganelli CFP(R) will provide the research and implementation of actions. Funds not part of your current employer's 401(k) are held at an indepdendent third party custodian.

    We believe that clients win by not losing.

    Contact Steve to learn more

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  • Money Tools Ready Made Portfolios for DIY Investors
    ABOUT THIS SERVICE

  • Investment advisory services combining the "best of breed" active mutual fund managers with index funds and risk-controls.

    These portfolios are designed with the help of a Chartered Financial Analyst.

    Models of mutual funds or Exchange Traded Funds (ETFs) are available for implementation by a client with occassional rebalancing recommendations by Steve Stanganelli CFP (R).

    We believe that clients win by not losing.

    Contact Steve to learn more

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  • Personal Financial Road Map
    ABOUT THIS SERVICE

  • A Comprehensive Financial Plan encompassing the following areas:

    • Cash Flow/Savings
    • Debt Management
    • Investment Planning
    • Asset Allocation
    • Insurance Planning & Risk Management
    • Estate Planning
    • Retirement Planning (Accumulation or Income Stages)

    The Personal Financial Road Map is accompanied by free advice as needed by phone and email for one year to help with questions and implementation.

    It also includes a 6-month Check-Up and End-of-Year Follow-Up Meeting.

    Contact Steve to learn more

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  • iMonitor Annual Advice and Review Program
    ABOUT THIS SERVICE
    • Annual review of initial Personal Financial Road Map
    • Update and review of your goals, financial profile, investment risk profile, financial statements and asset allocation.
    • Additional 4 hours of in-person consultation time with advisor at the 6-month and 12-month Check-Ups
    • Recommendations or ideas shared by conference call, email or in writing.
    • Email support on any issues or questions throughout the year.
    • 30% discount on additional in-person consultations and other advisor research time throughout the year of the program.

    Contact Steve to learn more

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  • Direct iMonitor Investment Service
    ABOUT THIS SERVICE

  • Periodic investment advisory service available for individuals with company-sponsored retirement plans like a 401(k).

    • Comprehensive investment risk profiling assessments completed.
    • Overall asset allocation and investment plan created and reviewed with client.
    • Quarterly or semi-annual evaluation of retirement plan holdings with the advisor making changes to the holdings and allocations.
    • The fee is based on assets to be managed and is a fraction of the rate applied to investments held outside of a company-sponsored plan.

    This program is designed to help those who want a coordinated investment plan but lack the time or inclination to do it on their own.

    Contact Steve to learn more

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  • Quick Start Road Map Program
    ABOUT THIS SERVICE

  • An integrated plan that covers a two or three key issues in the areas of cash management, retirement income planning, estate conservation planning and college funding.

    Ideal for those who need help creating and coordinating a targeted plan of action for the highest priority issues like:

    • Cash flow and savings plans
    • Home buying and budgeting
    • College planning and financial aid
    • Retirement planning and Roth IRA conversions

    This integrated plan covers 2 or 3 major issues of concern.

    It includes 3 hours to consult with an advisor throughout the year in person, on the phone or by email.

    Customized financial education resources are included to help users implement recommended actions on their own.

    Contact Steve to learn more

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  • Brain Drain Focused Strategy Session
    ABOUT THIS SERVICE

  • A two-hour strategy session designed to answer any questions on the spot that a client may have on any number of topics that can be covered in a single two-hour session.

    The meeting can be coordinated with any other legal, tax or financial advisor on the client's team.

    Contact Steve to learn more

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Related Terms: fee only financial planning for Baby Boomers and retirees providing retirement income planning solutions, "no court" divorce financial planning support services, college financial aid assistance with tax-efficient cash flow funding strategies and personal income tax preparation.

Clear View Wealth Advisors, LLC dba Divorce Finance Pros.com and CollegeCashPro.com
130 Parker Street #12
Lawrence, MA 01843
978-388-0020 / 617-398-7494
steve@ClearViewWealthAdvisors.com

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1 Industry veteran Bob Veres, Boulevard to the Future, Inside Information, February 2009