Advisor Details

Advisor Details

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:

BROKER CHECK
SEC

NASAA

Firm Logo

logo

Education

Tallahassee Community College
CFP 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 Lowell
BA - Economics
Duration: 1982 - 1986

License(s)

Series 63, Series 65

Advisor SEC/CRD #

3217444

Research this Advisor:

    BROKER CHECK
    SEC
    NASAA

    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

    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-Large

    Honors/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:

    • 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.

    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.

    Steve Stanganelli CFP

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