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Steve Stanganelli

Advisor Details

Financial Advisor in Amesbury, Massachusetts with 14 Year(s) of Experience

Professional Designations

Accredited Estate Planner (AEP)

Certified Financial Planner (CFP) - 136394

Certified College Funding Specialist & Chartered Retirement Planning Counselor

Personal Bio

Professionally, I see myself as a financial coach or navigator. My role is to help clients navigate the sea of confusion that is personal finance. My focus is to provide advice and not to sell products.

As a fee-only fiduciary financial planning professional, that's exactly what I do. In my professional work I am humbled knowing that people entrust me with their hard-earned wealth — regardless of the amount — or seek my guidance on any number of life-changing issues that can affect their personal bottom line.

I am like many of my peers, a member of the “Sandwich Generation” helping to care for elderly parents while raising a family of my own. Like many of you who may read this, I lead a complex life – husband, father, son, homeowner, landlord, professional by day, weekend athlete (road cyclist in my case). I can relate to the challenges my clients have faced or will meet. And I genuinely want to share my wisdom, experience and training to help others make the most with their lives.

While my parents did well enough for themselves and their family to achieve the American Dream, we live in much more complex times distracted by our many roles and daily challenges requiring more professional help to make sense of all the choices confronting us. This is why I've developed my practice with a financial planning first approach.

Over the past thirty-four years, first as a mortgage banker and then since 1999 as a financial advisor, I have worked hard to develop my experience and assemble the kinds of tools that are needed to help my clients with a variety of financial challenges including divorce, funding college tuition and building efficient portfolios for long-term investing goals.

I am an honors graduate of the University of Massachusetts – Lowell and Bentley University's McCallum Graduate School of Business. And over the years I've continued my education to be better prepared to handle the range of client financial questions. In 2008 I earned the CERTIFIED FINANCIAL PLANNER ™ designation. Since then I've also earned designations as a CHARTERED RETIREMENT PLANNING COUNSELOR ™, ACCREDITED ESTATE PLANNER ®, CERTIFIED COLLEGE FINANCIAL CONSULTANT®, and CERTIFIED COLLEGE FUNDING SPECIALIST. I strive to run my practice and my life on the core principles best summed up in Don Miguel Ruiz’s The Four Agreements: Be Impeccable with Your Word Don’t Take Anything Personally Don’t Make Assumptions Always Do Your Best

Firm Name

Clear View Wealth Advisors, LLC & Boston Tax Planners

Firm Bio

Clear View Wealth Advisors, LLC was formed in 2010 as a fee-only fiduciary advisory firm providing comprehensive financial and tax planning services and investment management to individuals, families, and business owners. The firm is licensed as a state-registered investment adviser firm in Massachusetts, New Hampshire, and Texas.

Steve Stanganelli is a fee only CERTIFIED FINANCIAL PLANNER ™ Professional who has been in practice since 1999.

Advisor Type

RIA - Steve Stanganelli

Firm SEC Form ADV

Total Assets Under Management

$12893644

Firm SEC/CRD #

154094

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Resume

Education

University of Massachusetts at Lowell
BA - Economics
Duration: 1982 - 1986
Bentley University McCallum Graduate School of Business
CFP Education Program
Duration: 1989 - 1991
Tallahassee Community College
Master of Science - Finance (Personal Financial Planning)
Duration: 2007 - 2008

License(s)

Series 63, Series 65

Advisor SEC/CRD #

3217444

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Are you a Fiduciary?

Yes

Do you receive any commissions or fees based upon financial products that you provide to your clients?

No

Methods of Compensation

Assets Under Management (AUM), Fee-Only, Fixed Retainer Fee, Flat Fee

Specialties

Preferred Client Type

Membership Associations

Certified Financial Planner Board of Standards (CFPBS)

Financial Planning Association (FPA)

National Association of Estate Planners & Councils (NAEPC)

National Association of Personal Financial Advisors (NAPFA)

Other

Association of Certified College Funding Specialists, National Assocation of Tax Professionals

My Podcast

Personal Blog

Affinity Groups

Bentley University Alumni

Activities/Hobbies

Cycling

Language Spoken

English

Volunteer Experience

City of Amesbury – Councilor-at-Large

Honors/Awards

Publications Featured In

Bankrate

Investment News

Investopedia

Kiplinger’s

NerdWallet

Other

Wall Street Journal

Disclaimer

Fee-Only financial planning and investment advisory services are offered by Clear View Wealth Advisors, LLC., a state-registered investment advisor in the Commonwealth of Massachusetts and the states of New Hampshire and Texas and in other states where legally permitted. Steve Stanganelli is a fee-only CERTIFIED FINANCIAL PLANNER® Professional.

Additional Info

Financial planning services are available remotely in all states and territories where legally permitted.

Investment Philosophy

Our core beliefs:

  • Costs matter
  • Markets are efficient
  • Focus on reducing risk
  • Assets tend to revert to the mean
  • Diversification works over the long haul
  • Exchange Traded Funds and Individual Stocks Offer Overall Value and Efficiency
  • Dividend-paying stocks are a key building block for wealth, income, and risk control
  • Certain factors tend to improve return and reduce risk: Small Cap vs Large Cap, Quality of earnings and dividends, ‘Value’ tends to do better over time vs ‘Growth’

 

Notes on Investment Philosophy

Our approach is driven by academic research and not Wall Street hype. This means we focus on what we believe is time-tested, optimal, and prudent rather than faddish and fashionable. As noted by a wise investment commentator, “when Wall Street builds a better mousetrap, investors are generally the mouse.” And it should be noted that it is often NOT different this time.  Our approach is long-term, strategic, and based on well-established financial and economic theories, data, experience, and a little judgement. That means building broadly diversified portfolios that have meaningful international exposure and are built to be tax efficient.

Contact:

100 Main Street
Amesbury, Massachusetts 01913

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