The BIG PARTY on May 25, 2009 ... Wedding Day in Topsfield, MA
Compliments of the creative artistry of David Benoit, Benoit Photography with help from Kristing & Steve Stanganelli
Stunning Custom Album Design - Destination Wedding PhotographyPhoto Stories
Lovely 10x14 flushmount wedding album designed by Photo Stories. This photo book features a Los Cabos, Mexico destination wedding by Chris + Lynn Photographers. With 125 images and 50 pages this album features clean, simple layouts to showcase the stunning imagery.
Learn more at http://photostories.cc
Clear View Wealth Advisors, LLC is a registered investment advisor with principal offices in Amesbury, MA and a branch office in Wilmington, MA. Steven J. Stanganelli is a certified financial planner professional and NAPFA-registered financial advisor at Clear View Wealth Advisors. Research from 2014 found that employee financial stress increased, with 23% reporting high or overwhelming stress compared to 18% in 2012 and 19% in 2011, marking the first rise in financial stress since the end of the Great Recession in 2009.
Presentation for College Cash Pro: Value of a College Financial PlannerSteve Stanganelli
Parents can save on the cost of a college education by being an informed buyer and working with a qualified college financial planning specialist. Steve Stanganelli, CFP(R) of Clear View Wealth Advisors outlines the value of the College Cash Pro services he offers.
The secrets to long term investing success - session 2Steve Stanganelli
This document discusses strategies for analyzing, selecting, and designing mutual fund portfolios. It recommends using fundamental analysis and including risk data when determining the best mutual funds. A comparison guide is presented that evaluates funds based on characteristics, performance, fees, and risk metrics. The document also introduces a portfolio design tool that optimizes allocation across funds to maximize risk-adjusted returns.
2012 07 Clear View's Smart Money Health Care SpecialSteve Stanganelli
The document discusses health care as a central issue in the 2012 US presidential election. It notes that Republicans argue the Affordable Care Act will increase costs and the deficit, while Democrats say benefits are already apparent and it will provide affordable care. A graphic shows health care is the second most important issue to voters after job creation. The rest of the document discusses the Supreme Court upholding the individual mandate and potential effects on different health care sectors.
Steve Stanganelli, CFP(R) is the Boston Tax Coach of Clear View Wealth Advisors presents tax tips and tax planning strategies to real estate investors in this presentation made to the Massachusetts Real Estate Investors Association on December 27, 2011.
September ViewPoint Newsletter from Steve Stanganelli CFP(R)Steve Stanganelli
Welcome to the September 2011 edition of the ViewPoint Newsletter from Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, a fee-only RIA located in Massachusetts. In this issue, retirement income planning, college funding strategies and tax tips for business owners and those going through divorce are shared.
Stunning Custom Album Design - Destination Wedding PhotographyPhoto Stories
Lovely 10x14 flushmount wedding album designed by Photo Stories. This photo book features a Los Cabos, Mexico destination wedding by Chris + Lynn Photographers. With 125 images and 50 pages this album features clean, simple layouts to showcase the stunning imagery.
Learn more at http://photostories.cc
Clear View Wealth Advisors, LLC is a registered investment advisor with principal offices in Amesbury, MA and a branch office in Wilmington, MA. Steven J. Stanganelli is a certified financial planner professional and NAPFA-registered financial advisor at Clear View Wealth Advisors. Research from 2014 found that employee financial stress increased, with 23% reporting high or overwhelming stress compared to 18% in 2012 and 19% in 2011, marking the first rise in financial stress since the end of the Great Recession in 2009.
Presentation for College Cash Pro: Value of a College Financial PlannerSteve Stanganelli
Parents can save on the cost of a college education by being an informed buyer and working with a qualified college financial planning specialist. Steve Stanganelli, CFP(R) of Clear View Wealth Advisors outlines the value of the College Cash Pro services he offers.
The secrets to long term investing success - session 2Steve Stanganelli
This document discusses strategies for analyzing, selecting, and designing mutual fund portfolios. It recommends using fundamental analysis and including risk data when determining the best mutual funds. A comparison guide is presented that evaluates funds based on characteristics, performance, fees, and risk metrics. The document also introduces a portfolio design tool that optimizes allocation across funds to maximize risk-adjusted returns.
2012 07 Clear View's Smart Money Health Care SpecialSteve Stanganelli
The document discusses health care as a central issue in the 2012 US presidential election. It notes that Republicans argue the Affordable Care Act will increase costs and the deficit, while Democrats say benefits are already apparent and it will provide affordable care. A graphic shows health care is the second most important issue to voters after job creation. The rest of the document discusses the Supreme Court upholding the individual mandate and potential effects on different health care sectors.
Steve Stanganelli, CFP(R) is the Boston Tax Coach of Clear View Wealth Advisors presents tax tips and tax planning strategies to real estate investors in this presentation made to the Massachusetts Real Estate Investors Association on December 27, 2011.
September ViewPoint Newsletter from Steve Stanganelli CFP(R)Steve Stanganelli
Welcome to the September 2011 edition of the ViewPoint Newsletter from Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, a fee-only RIA located in Massachusetts. In this issue, retirement income planning, college funding strategies and tax tips for business owners and those going through divorce are shared.
College Financial Planning Presentation to Merrimack Valley Estate Planning Council on Tuesday, September 6, 2011.
Review of effective cash flow, income and asset strategies that lower college costs, qualify for financial aid and structure tax scholarships for high earning late starter parents
Paying for college is a retirement problem. But even late starters can use strategies to lower the cost of college through smart cash flow and tax tips. Saving on the cost of college is as important as saving for college. Understanding the financial aid system and the way the Expected Family Contribution works are key to spending less, saving more and having a decent retirement.
June 2011 newsletter of Steve Stanganelli, CFP(R) Professional and principal of Clear View Wealth Advisors, a fee only financial planning firm serving individuals in Massachusetts. In this issue, Steve discusses how to manage retirement income distributions, the role of dividend paying stocks in a balanced portfolio, college planning tools for late starters and tax tips for those who are getting divorced.
Creating and Protecting Retirement Income_ Finding Income in Unexpected Place...Steve Stanganelli
Planning for retirement takes more than simply saving or a buy and hold approach to investing. This presentation provides practical tips on how to plan for your income needs and turn your portfolio into a sustainable cash flow machine. By using diversified portfolios that include alternative income sources, you can help protect your investments from inflation. By having a plan for withdrawing money, you can help protect yourself from running out of it.
The document provides tips for retirees on managing retirement spending and income over the long term. It discusses the traditional "lifestyle approach" of pegging withdrawals to inflation each year and outlines its downfalls. It then introduces an "endowment spending" approach used by large institutions to determine annual spending. This approach combines the previous year's spending with a percentage of portfolio performance, allowing spending to tighten when markets are down to better sustain the portfolio. The document provides an example of how this approach could work using a 90/10 rule and argues it can help the portfolio last longer than the traditional approach.
Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, LLC, a registered investment adviser providing fee-only / fee-for-service financial planning and investment advice to Baby Boomers and retirees. Plan Well. Invest Smart. Live Better. Planning for Life.
Viewpoint Newsletter for November and December 2010Steve Stanganelli
Investing for retirement requires planning income sources to replace wages after stopping work. Social Security, pensions, savings and continued work provide retirement income. Managing expenses and income sources carefully allows enjoying retirement as "the Next Act" without running out of money. Divorced spouses may receive Social Security benefits based on an ex-spouse's earnings after a 10-year marriage. Starting benefits at 62 requires being divorced for 2+ years even if not yet retired. Saving gifts for children in a 529, UGMA, EE bonds or dividend reinvestment plan allows money to grow for education or a nest egg.
Using Convertible Bonds to Protect Portfolios and Increase IncomeSteve Stanganelli
Convertible bonds offer a way to enhance a traditional fixed income strategy or the potential to reduce exposure to volatile equity markets. Such a strategy can be used by investors of all risk profiles and is an ideal supplement for a core principal protected equity strategy for retirement income.
Reinventing Your Retirement New Realities For New Challenges For Clear ViewSteve Stanganelli
This presentation is part of the Transition Assistance Plan workshop series offered through Salem Works.
While many things in life are uncertain, we can control how we make better decisions. This presentation highlights the fundamental approach needed for short-term fixes and getting back on track long-term.
Viewpoint Newsletter from Clear View Wealth Advisors with a focus on the role of dividend-paying stocks and the inflation-deflation debate. Also includes links to the free financial roadmap tool.
While retirement may be years away, planning for it can start now. The fundamentals of retirement income planning are presented along with strategies to help insulate a portfolio from possible inflation and deflation while increasing portfolio income to fund a sustainable retirement lifestyle.
Turning Your Real Estate Business Into Your RetirementSteve Stanganelli
The document discusses ways to use real estate investments and cash flow to fund retirement. It outlines strategies like becoming a "mailbox landlord" and investing in REITs and TICs. It also provides an overview of various retirement plans like SEPs, SIMPLEs, and 401(k)s that can be sponsored or used. The document emphasizes diversifying investments to generate income in retirement through dividends, MLPs, REITs and more.
In a litigious society, it is important to protect wealth. There are a variety of tools available including domestic asset protection trusts.
This chart compares the statutes and regulations of the various states that offer such trusts.
For more details, please consult with a legal advisor familiar with your state and personal situation.
This presentation provides an overview of the road map needed to avoid the land mines and traps related to Medicaid. Proper planning is needed to preserve a legacy, cover final expenses and still be eligible for all available Medicaid benefits.
A program describing the benefits of creating a 401k sponsored by an association for use by the group's members. This program was developed for the Merrimack Valley Venture Forum (MVVF) of the Greater Lowell, MA area.
College Financial Planning Presentation to Merrimack Valley Estate Planning Council on Tuesday, September 6, 2011.
Review of effective cash flow, income and asset strategies that lower college costs, qualify for financial aid and structure tax scholarships for high earning late starter parents
Paying for college is a retirement problem. But even late starters can use strategies to lower the cost of college through smart cash flow and tax tips. Saving on the cost of college is as important as saving for college. Understanding the financial aid system and the way the Expected Family Contribution works are key to spending less, saving more and having a decent retirement.
June 2011 newsletter of Steve Stanganelli, CFP(R) Professional and principal of Clear View Wealth Advisors, a fee only financial planning firm serving individuals in Massachusetts. In this issue, Steve discusses how to manage retirement income distributions, the role of dividend paying stocks in a balanced portfolio, college planning tools for late starters and tax tips for those who are getting divorced.
Creating and Protecting Retirement Income_ Finding Income in Unexpected Place...Steve Stanganelli
Planning for retirement takes more than simply saving or a buy and hold approach to investing. This presentation provides practical tips on how to plan for your income needs and turn your portfolio into a sustainable cash flow machine. By using diversified portfolios that include alternative income sources, you can help protect your investments from inflation. By having a plan for withdrawing money, you can help protect yourself from running out of it.
The document provides tips for retirees on managing retirement spending and income over the long term. It discusses the traditional "lifestyle approach" of pegging withdrawals to inflation each year and outlines its downfalls. It then introduces an "endowment spending" approach used by large institutions to determine annual spending. This approach combines the previous year's spending with a percentage of portfolio performance, allowing spending to tighten when markets are down to better sustain the portfolio. The document provides an example of how this approach could work using a 90/10 rule and argues it can help the portfolio last longer than the traditional approach.
Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, LLC, a registered investment adviser providing fee-only / fee-for-service financial planning and investment advice to Baby Boomers and retirees. Plan Well. Invest Smart. Live Better. Planning for Life.
Viewpoint Newsletter for November and December 2010Steve Stanganelli
Investing for retirement requires planning income sources to replace wages after stopping work. Social Security, pensions, savings and continued work provide retirement income. Managing expenses and income sources carefully allows enjoying retirement as "the Next Act" without running out of money. Divorced spouses may receive Social Security benefits based on an ex-spouse's earnings after a 10-year marriage. Starting benefits at 62 requires being divorced for 2+ years even if not yet retired. Saving gifts for children in a 529, UGMA, EE bonds or dividend reinvestment plan allows money to grow for education or a nest egg.
Using Convertible Bonds to Protect Portfolios and Increase IncomeSteve Stanganelli
Convertible bonds offer a way to enhance a traditional fixed income strategy or the potential to reduce exposure to volatile equity markets. Such a strategy can be used by investors of all risk profiles and is an ideal supplement for a core principal protected equity strategy for retirement income.
Reinventing Your Retirement New Realities For New Challenges For Clear ViewSteve Stanganelli
This presentation is part of the Transition Assistance Plan workshop series offered through Salem Works.
While many things in life are uncertain, we can control how we make better decisions. This presentation highlights the fundamental approach needed for short-term fixes and getting back on track long-term.
Viewpoint Newsletter from Clear View Wealth Advisors with a focus on the role of dividend-paying stocks and the inflation-deflation debate. Also includes links to the free financial roadmap tool.
While retirement may be years away, planning for it can start now. The fundamentals of retirement income planning are presented along with strategies to help insulate a portfolio from possible inflation and deflation while increasing portfolio income to fund a sustainable retirement lifestyle.
Turning Your Real Estate Business Into Your RetirementSteve Stanganelli
The document discusses ways to use real estate investments and cash flow to fund retirement. It outlines strategies like becoming a "mailbox landlord" and investing in REITs and TICs. It also provides an overview of various retirement plans like SEPs, SIMPLEs, and 401(k)s that can be sponsored or used. The document emphasizes diversifying investments to generate income in retirement through dividends, MLPs, REITs and more.
In a litigious society, it is important to protect wealth. There are a variety of tools available including domestic asset protection trusts.
This chart compares the statutes and regulations of the various states that offer such trusts.
For more details, please consult with a legal advisor familiar with your state and personal situation.
This presentation provides an overview of the road map needed to avoid the land mines and traps related to Medicaid. Proper planning is needed to preserve a legacy, cover final expenses and still be eligible for all available Medicaid benefits.
A program describing the benefits of creating a 401k sponsored by an association for use by the group's members. This program was developed for the Merrimack Valley Venture Forum (MVVF) of the Greater Lowell, MA area.