Financial Advisor in Amesbury, MA with 12 Year(s) of Experience
Professional Designations
Certified College Funding Specialist & Chartered Retirement Planning Counselor
Accredited Estate Planner (AEP)
Certified Financial Planner (CFP) - 136394
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 (tm) Professional who has been in practice since 1999.
Firm SEC Form ADV
Total Assets Under Management
$12,893,644
Firm SEC/CRD #
154094
Research this Firm:
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Education
Tallahassee Community CollegeCFP Education Program
Duration: 2007 - 2008
Bentley University McCallum Graduate School of Business Master of Science - Finance (Personal Financial Planning)
Duration: 1989 - 1991
University of Massachusetts at LowellBA - Economics
Duration: 1982 - 1986
License(s)
Series 63, Series 65
Advisor SEC/CRD #
3217444
Research this Advisor:
- Five Star Wealth Manager (multi-year);
- Paladin Registry Five Star Advisor since 2008;
- Member, Fee Only Network / Registered NAPFA Advisor - www.FeeOnlyNetwork.com/steve-stanganelli
- Outstanding Advisor Rating by AdviserRating.com;
- Accredited Business A+ Rating by Better Business Bureau;
- Beta Gamma Sigma Honor Society Member;
- Top 100 Wealth Management Blogs and Websites;
- Brightscope Featured Advisor (2010-2015)
- 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’
Are you a Fiduciary?
Yes
Do you receive any commissions or fees based upon financial products that you provide to your clients?
NoMethods of Compensation
Assets Under Management (AUM), Fee-Only, Fixed Retainer Fee, Flat Fee
Specialties
Preferred Client Type
Membership Associations
Association of Certified College Funding Specialists, National Assocation of Tax Professionals
National Association of Estate Planners & Councils (NAEPC)
Financial Planning Association (FPA) - 136394
National Association of Personal Financial Advisors (NAPFA)
Certified Financial Planner Board of Standards (CFPBS)
My Podcast
Personal Blog
Affinity Groups
Bentley University Alumni
Activities/Hobbies
Cycling
Language Spoken
English
Volunteer Experience
City of Amesbury - Councilor-at-LargeHonors/Awards
Publications Featured In
Washington Post, Politico, Consumer Reports, CNBC.com, Brightscope.com, LifeHealthPro.com, EZineArticles.com
Kiplinger's
Wall Street Journal
Investopedia
Investment News
NerdWallet
Bankrate
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:
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.
While a lot of investment advisors lead with investment products or management, my business practice is different. I set up my firm to provide financial planning first. I do not sell investment products or insurance. And the focus is on building a plan first based on goals and then developing a broadly diversified portfolio using low-cost Exchange Traded Funds, high-yield investment funds, and dividend-paying stocks. My investment philosophy is summed up like this: Focus on what you can control. And that comes down to controlling your emotions by having a plan in place and controlling your expenses by using low-cost investment options.
Contact:
100 Main Street
Amesbury, MA 01913
steve@ClearViewWealthAdvisors.com, steve@BostonTaxPlanners.com, steve@CollegeCashPro.com
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Steve Stanganelli CFP
AEP, CFP
FIDUCIARY
Position: Managing Member & Financial Planner
Category: Investment
Inception of Business: 2010