Fee Only Financial Planning, Consulting, Investment Advisory & Asset Management for Individuals, Families, Businesses & Organizations.
Life is a Journey, not just a Destination.
Every Successful Journey Begins with a Clear View in Your Mind’s Eye of Where You Want to Be.
Then You Can Chart Your Course with the Help of a Roadmap and an Experienced Guide.
OUR GUIDING PRINCIPLES
- Clear View Wealth Advisors, LLC was formed with a set of guiding principles.
- We strive to live by these in all of our business dealings with clients.
- After more than twenty years of business experience, our principal simply felt that there had to be a better way.
- Too often individuals are treated like “mushrooms” being kept in the dark.
- Too often Wall Street feels like a casino to individual consumers with the games rigged against them.
- Too often the financial industry has sacrificed the trust that individuals put into their representatives for the short-term gains of the financial superpowers.
- Too often individuals are left on their own to figure out how to prudently handle their hard-earned money.
- We believe it is time for a change.
- We believe in forming mutually respectful collaborations with our clients.
- We believe that clients should be involved in the process.
- We believe that all clients deserve to be treated with respect.
- We believe in personalized advice that combines accepted theories with more contemporary ideas.
- We believe in the intelligent design of a client’s life through better planning because it’s not all about the “best” performing investing strategy when that path means a client is less likely to achieve the goals that matter to him.
In a changing world, there’s nothing scarier than conventional thinking.
This is why we believe it’s time for a fresh perspective, a Clear View.
WHO WE ARE
Clear View Wealth Advisors, LLC is a fee-only registered investment advisory firm that provides advice and consulting on a broad range of financial, estate planning and tax issues as well personalized money management services and financial education to Baby Boomers, pre-retirees and retirees throughout Massachusetts.
Clear View’s founder, Steve Stanganelli, CFP®, CRPC ®, MSF, has been providing straight answers and sound advice with over 20 years experience coaching individuals and businesses on ways to improve and protect their personal or business bottom line. Click here to read Steve’s bio or Click here for his Financial Planning Association profile.
WHO WE SERVE
We cater primarily to couples as well as divorced and widowed individuals in need of trusted guidance while going through transitions (age 40-70).
We also strive to make our planning services accessible and reasonable to those who are busy launching their careers or growing their families like 30-something Gen-Xers. So we offer a number of non-investment planning services that are conveniently accessible using contemporary technology and are reasonably priced.
Our clients are tired of being treated like a number by Big Box financial supermarkets. They are also tired of going it alone despite their success in other areas of their life. They have other passions or interests to pursue and lack the time or motivation to be a Do-It-Yourselfer. They crave a higher degree of personalized service with insightful proactive advice and answers to their financial questions.
They seek solutions that are objective and not based on the purchase of an investment product.
We strive to work with a small, successful, select group of individuals who include business owners, professionals, entrepreneurs, and pre-retirees and retirees from such diverse fields as academia, banking, education, engineering, government, law, manufacturing, marketing, medicine and allied health professions, military, music, nursing, real estate, retail management and technology.
WHAT WE DO
Unlike many financial services firms and brokers who continue to focus solely on investing your money, Clear View Wealth Advisors, LLC understands the real questions have more to do with how you want to live your life and how your money should support your visions for a successful life.
Accordingly, we offer a process that integrates your financial resources with your vision of personal fulfillment and security. The result is not so much a single, rigid, financial solution, but a vital and dynamic process in which your money is always at the service of your life.
Through phone conversations, personal consultations, email communications, Webinars, teleconferences, our newsletters, education services and live events, Clear View offers thoughtful and objective guidance to help you make smarter money moves throughout all of life’s critical transitions.
HOW WE DIFFER FROM OUR COMPETITION
First, we’re approachable. While many registered investment advisory firms are stuffy and indicate you must have a million or more in assets to even consider talking with them, Clear View does not discriminate based upon how much money you make or have saved. Although our typical client usually has a six-figure investment portfolio, we offer coaching, advice and consulting services to all regardless of income or net worth.
We respect your privacy and will always keep the personal and financial information you share with us confidential.
Second, we’re compensated exclusively by fees paid by our clients. In short, we act in a fiduciary capacity treating your money with the same care and prudence that we treat our own. We will routinely make recommendations and suggestions that we believe are best for you even if it means less revenue to our firm. And we eat our own cooking investing only in what we suggest you invest in.
Third, Clear View Wealth Advisors, LLC has no allegiance to any one company, product or service, beyond our belief in its ability to help you reach your goals. Unlike other firms and brokers, which have proprietary products and incentives to recommend high cost insurance and investment products such as whole life or universal life insurance, variable annuities, and A, B, & C shares of mutual funds, Clear View has the flexibility to pick and choose high-quality, cost-efficient solutions from a wide universe of service providers with virtually no restrictions so we can do what’s best for you.
Fourth, we’ll give you options for today and tomorrow’s life events. We know you have to live for today but we’ll help you plan for your tomorrows as well. We routinely play out future scenarios and provide some “what-ifs”. We understand you’re looking for solutions – not just quick answers.
Fifth, we represent you. We are your financial advocate. We will think about your life first and help you navigate and organize the multiple issues and uncertainties that you and your family face. We’ll give you the tools and solid foundation you need to make excellent decisions.
Our investment activities are generally defined by principles that are collectively known as Modern Portfolio Theory, based on the work of Harry Markowitz, who was awarded the Nobel Prize in Economics in 1990.
While we focus on the broad principles of asset allocation, we also utilize dynamic models, tools and contemporary strategies that provide tactical approaches to controlling risk.
We firmly believe that people gain by not losing. As a result we utilize a variety of asset classes and investment tools including dividend-paying stocks, cash, global equities and bonds as well as alternatives that include natural resources, commodities and real estate. We utilize a combination of actively managed mutual funds, passive index funds, Exchange Traded Funds and select high-quality stocks and bonds.
Despite the scientific underpinnings, we believe that the investment discipline that we provide is not rocket science. In fact, many of our clients have the intellectual ability to practice it without us. Yet our money management services are valuable to them because we take the emotions out of their decisions so they can stay on course, and because we handle the messy paperwork associated with maintaining and monitoring an investment portfolio.
At Clear View Wealth Advisors, LLC, it is our view that you should strive to be happy. Life is too long not to be doing those things that are fun and rewarding to you. The majority of people in our society and culture don’t spend enough time examining these issues.
One’s quality of life is more than the accumulation of things. Living well is more than the sum of one’s consumer spending. Life is about building wealth through things that last: memories, family, and community.
We endeavor to help you clarify, simplify and gain control of the big picture of your life. We expect to understand your hopes and fears, and to be there to gently but firmly lead you to make the necessary changes so that you’ll make your dreams a reality.
The approach that we follow in working with clients can best be summed up by The Four Agreements, an inspirational work by Don Miguel Ruiz:
- Be Impeccable with Your Word
- Don’t Take Anything Personally
- Don’t Make Assumptions
- Always Do Your Best
To get a sense of our outlook on life, click here to read the Desiderata by Max Ehrmann.
WHY PEOPLE FAIL
In our society there are certain activities, undertaken by financial professionals and financial consumers, that are usually harmful to your personal wealth. Financial publications, 24/7 news media, chat rooms and discussion forums, and many television programs promote investment habits which we believe – and which the most respected financial research confirms – are at best unproductive and at worst destructive.
We at Clear View Wealth Advisors, LLC know that much of the “financial advice” people receive comes in the form of advertisements, which suggest, in powerful images, that your happiness and/or fulfillment can be achieved by the purchase of this or that advertised item.
Our goal is to help you recognize your individual view of happiness and fulfillment so that you can determine which personal expenditures further your progress toward your goals. And then we help you stay on course and control what you can control while taking destructive personal emotion or habits out of the equation.
YOU SHOULD CALL US IF…
You’re a Boomer or Retiree and …
- You’re uncomfortable with your current investment strategy and looking for another advisor to help you.
- You’re unhappy with the level of attention or service you’re getting from your current advisor/broker/planner/agent and ready to make a change.
- You’re looking for a trusted, fee-based advisor who can offer you perspective and direction.
- You’re ready to retire and rollover your 401(k), 403(b), 457 plan, Tax Sheltered Annuity (TSA) or deferred compensation plan. Click here to learn about our IRA Rollover Helpline.
- You want your calls and emails returned in minutes and hours, not days and weeks. We take pride in delivering impeccable service!
You’re a Generation X Middle-Manager or Professional and …
- You want a plan to pay off debt or harmonize your money and recent marriage
- You have a growing family and seek help on saving for college or navigating the financial aid system
- You are becoming more involved with the care of elder parents or grandparents and need advice on assisting with their affairs
- You have changed jobs in the past and have 401k accounts scattered with former employers
- You are skeptical about someone handling your investments but want objective advice on a frequent basis to supplement your own self-directed efforts.
Clear View Wealth Advisors, LLC believes that success is more than just a dollar sign on a statement or a comparison to some arbitrary index.
What matters most is not the numeric value on a printed page but whether you are comfortable with the path you are on and have the financial resources and freedom to live the way you want. What matters most is whether you are progressing toward your personal goals. This is why we help you define a personal benchmark that helps measure your progress.
When you have a clear idea of where you are and where you want to be and have a clear vision of the path you need to follow to reach your goals, then you have peace of mind through volatile markets. When you know that someone is looking out for your financial interests, you can sleep well at night because you have a relationship built on trust, integrity and mutual respect.
It all starts with a Clear View of where you are and the road map to get you where you want to be.
When your life savings are at stake, you want advice you can trust and someone you can count on. You need a trusted advisor that is objective, an advisor that is not paid more to sell you one product over another. You need a relationship with a firm and an advisor that promises to always put your interest first, a firm with proven experience and the right professional credentials.
To determine if and how I can help you, call 1-978-388-0020 (north of Boston) or 1-617-398-7494 (Boston area) today to schedule an exploratory meeting (via phone or in-person). There is no charge or obligation.
I’m Steve Stanganelli and I want to be your trusted advisor and help you make more from your money.
With warm regards,
Steve Stanganelli, CFP®, CRPC®, MSF
Chief Financial Strategist – Clear View Wealth Advisors, LLC
To explore your options, please call Steve Stanganelli, CFP ® at 978-388-0020 or 617-398-7494.