Calamita Wealth Management
Fee-Only financial planner located in Charlotte, NC, serving clients locally and across the country
Todd Calamita is a Charlotte, NC fee-only financial planner. Calamita Wealth Management provides comprehensive financial planning, investment management, and divorce planning to help retirees or individuals approaching retirement and high net worth individuals organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Todd Calamita is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Todd Calamita’s education in wealth management began early.
First, at age 13, he started his own landscaping business. He mowed a lot of lawns and earned a tidy sum. He was 16 when he visited a financial advisor for the first time – on the advice of his smart dad. The advisor told Todd that if he invested $666 in a CD (this was the ‘80s, after all), he’d have $1,000 in four years. “I’ll take four of those,” Todd eagerly replied. Todd’s hard work and investment savvy helped him pay his way through college.
Todd earned his Bachelor of Business Administration in 1993 from Ohio University and his Master of Business Administration in 1997 from the Weatherhead School of Management at Case Western Reserve University in Cleveland, Ohio.
After college, Todd went to work in corporate banking as a Certified Cash Management Sales Officer, helping small and mid-size business more efficiently manage their cash flow.
Todd later focused his career on helping individuals and families set and reach their financial goals. You could say that the financial advisor he met as a teenager left a lasting impression on him. Todd earned his CERTIFIED FINANCIAL PLANNER™ designation. The two-year program was intense, and the curriculum included the Fundamentals of Financial Planning, Investment Management, Insurance Planning, Retirement Planning, Tax Planning and Estate Planning.
Todd is a voice on money matters. He has been featured in the Financial Bootcamp series on WCNC-TV, Charlotte’s NewChannel 36. The show pairs a financial consultant with an individual or family seeking professional help in getting their household finances in order. Todd has also been guest columnist for the Charlotte Weekly newspaper, writing about the financial challenges that we face on a day-to-day basis. Todd has also been frequently quoted in The Charlotte Observer.
Todd met his wife, Teresa, while they were in college, and they have two young boys, Colin and Cameron. Todd has served in various leadership positions for Ohio University, including past president of both the Ohio University Charlotte Alumni Chapter and College of Business Society of Alumni & Friends. He enjoys rock-climbing and traveling, and he has a black belt in Tang Soo Do, a Korean martial art. Todd spent more than two years studying and working in Germany, Austria, Hungary and Poland.
Todd Calamita 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.
Your finances, your future - that’s the passion behind Calamita Wealth Management. Whether you’re just starting to plan for retirement or you’re living the dream, we're here to help you reach your financial goals. You can count on us to listen and be forward thinking and accountable to your needs as well as to provide customized and innovative solutions specifically with you in mind. No off-the-shelf financial plans here. No more guessing if you’re on the right financial path. We help you create a wealth management plan for life, and refine it all along the way. We guide you in making smart choices with your money, about your future. We are your retirement planning partner. That’s our passion. It's that simple.
Our mission is to make a difference in the lives of our clients through comprehensive planning, interacting with our clients on a personal level, and providing extraordinary service.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Retirement Income
- Tax Planning
- Investment Management
- Estate Preservation
- Social Security Timing
- Insurance Optimzation
- Retirement Planning
- Retirees and Near Retirees
- Sudden Money Situations
- Recently Divorced
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Todd Calamita is a NAPFA-Registered Financial Advisor
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.
Todd Calamita is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Todd Calamita is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
Todd Calamita is a Certified Divorce Financial Analyst® (CDFA®)
A CDFA® professional is a financial professional skilled at analyzing data and providing expertise on the financial issues of divorce. The role of the CDFA® professional is to assist the client and his or her attorney to understand how the decisions he or she makes today will impact the client’s financial future. A CDFA® can take on many roles in the divorce process: Financial Expertise and Strategy, Data Collection and Analysis, Expert Presenter and Litigation Support. In some cases, CDFA® professionals are called upon to act as expert witnesses in court or in mediation proceedings.
Calamita Wealth Management is an Approved Dimensional Funds Advisor
Dimensional Fund Advisors is a leading global investment firm that has been translating academic research into practical investment solutions since 1981. Guided by a strong belief in markets, the firm builds and implements strategies to help clients pursue higher expected returns. An enduring philosophy, strong client commitment, and deep working relationships with the academic community underpin Dimensional’s approach to investing and form the foundation for new strategies.
Contact Todd Calamita
6135 Park South Drive
Charlotte, NC 28210