Joe Calvetti
CPA
Still River Financial Planning
Founder and Financial Planner
Joe Calvetti
CPA
Still River Financial Planning
Founder and Financial Planner
I truly believe in the power of having a fee-only, fiduciary financial planner in your corner. When you have an advisor on your side, you’re able to prioritize financial goals and make decisions with confidence. - Joe Calvetti, CPA
Fee-only financial planning for young families and professionals. Located in the Boston, MA area and serving clients locally and across the country.
Joe Calvetti is a Fee-Only financial planner in Ayer, MA serving the Boston area and clients across the country. Still River Financial Planning provides financial planning for young families and professionals, both locally and virtually to help reduce financial stress and make confident decisions through life’s transitions.
As a fee-only, fiduciary, and independent financial advisor, Joe Calvetti is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Joe Calvetti is Founder and Financial Planner at Still River Financial Planning located in Ayer, MA.
I truly believe in the power of having a fee-only, fiduciary financial planner in your corner. When you have an advisor on your side, you’re able to prioritize financial goals and make decisions with confidence.
I earned my B.S. in Accounting and M.S. in Taxation from Bentley University in Waltham, MA, and began my career as an accountant. I earned the CPA designation, and worked in corporate finance for the majority of my career.
However, I’ve always had an interest in the personal side of finance. In doing research on my own financial questions, I came across the world of fee-only financial planning.
Over the years, my interest in comprehensive financial planning grew. Helping others navigate their financial dilemmas was something I was passionate about. I wanted to be able to help clients align their finances with their values, reduce decision-making stress, and prioritize their goals.
When I'm not working, I enjoy spending time with my family – my wife, Maggie, and my kids, Henry and Hannah. We love doing anything outdoors together, including hiking and kayaking. I’m a fan of live music and enjoy finding new local spots to visit with my wife when we can.
Joe Calvetti is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Still River Financial Planning offers both one time and ongoing financial planning to help young families and professionals eliminate financial stress from their lives. When I first founded my financial planning firm, I knew I wanted to work exclusively for my clients. In other words, I don’t accept commission from the sale of financial products. The fees paid by clients are the only compensation Still River Financial Planning receives.
This allows me to always act in your best interest, and to always put your unique goals and needs first when delivering financial advice.
My clients are in their 30s-40s, and have hit a wall when it comes to managing their finances. They have busy personal schedules, growing careers, and have recently introduced financial complexity that’s too much to manage.
This might mean they’ve recently gotten a new job with stock options, that they’re navigating an inheritance, or that they’re facing any number of other financial milestones. While “leveling up” your financial life is exciting – it’s also stressful!
It’s tough to know whether or not you’re making the right decisions, and how you can start to work toward and prioritize some of your bigger goals like buying a home, becoming debt-free, or saving for college and retirement.
Questions my clients have include:
- How do I prioritize multiple financial goals?
- Will I be able to retire on time, and live comfortably once I get there?
- Should I be saving for my children’s education?
- Am I missing any tax planning opportunities?
- How can I work toward becoming debt-free?
- How should I handle my equity compensation?
- Do I have enough insurance to protect my loved ones?
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- College Education Planning
- Tax Planning
- Prioritizing Financial Goals
- Retirement Planning
Ideal Clients
- Growing Families
- Young Professionals
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- Virtual Meetings
- Advice Only
- Clearly Defined Fees
- No Product Sales
- Complimentary Introductory Meeting
Professional Designations & Affiliations
-
Joe Calvetti is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
-
Joe Calvetti is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
-
Joe Calvetti is a Certified Public Accountant (Learn More)A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
-
Joe Calvetti is a Featured Guest on the Wicked Smart Parents Podcast: "The Key to Financial Success For Young Families"
-
Joe Calvetti is Quoted in Central Mass Mom: "5 Ways For Young Families To Set Themselves Up For Financial Success"
-
Joe Calvetti is Quoted on NextAdvisor: "The Hidden Cost of Using an IRA to Buy a Home"
-
Joe Calvetti is Quoted on The Balance: "Why You Should (and Shouldn't) Max Out Your Roth IRA"
-
Joe Calvetti is Quoted on Yahoo Finance: "Life Insurance: Is It Needed and Is It Worth It?"
-
Joe Calvetti is Quoted on Yahoo Finance: "Should You Use Your Credit Card To Pay Monthly Bills?"
Contact Joe Calvetti
Office Locations:
-
289 Old Farm Way
Ayer, MA 01432
