Joe Calvetti, Author at Still River Financial Planning

How The Gift Tax Works

When you give gifts to anyone other than a spouse, gift tax rules may apply. But this rarely results in needing to pay any taxes. Here’s what is required by

How Traditional Financial Planning Has Failed Young Families

Financial planning has historically been almost inaccessible to young families. And this primarily comes down to the way financial planners have charged for their services. How it has worked in

Why You Need Life and Long Term Disability Insurance

If you have someone depending on your income, life and long term disability insurance are a must. Long Term Disability Insurance If you don’t already have long term disability insurance

5 Reasons Young Families Need a Financial Plan

As a young family, you probably know that it would be beneficial to get your finances in order and plan for the future, but life often gets in the way.

Roth vs. Traditional 401(k): How to Choose

Many companies now offer the choice between making Roth 401(k) contributions or traditional 401(k) contributions (or both!). Before we get into how to decide the best approach for you, let’s

When It Comes To Investing, Focus On What You Can Control

Deciding what to invest your money in can be a confusing process. There are thousands of stocks, bonds, and mutual funds to choose from. So it’s important to focus your

What is Fee-Only?

There are several ways financial planners can be compensated, which can make things confusing. We work with clients on a fee-only basis, so I thought I’d share a bit more

The Best Ways to Save for Your Children

You want to set your children up for financial success, but what’s the best way to do that if you have some extra money to set aside for them? This

Should Young Families Prioritize Paying Down Debt or Saving for Retirement?

One of the biggest areas we help young families with is prioritizing how to put each dollar you earn to work. Paying down debt and saving for retirement are usually

5 Ways to Build Flexibility into your Financial Plan and Why It’s Important

Carl Richards is a financial planner and author who has written extensively for the New York Times. He recently wrote: “We do planning wrong. It doesn’t matter what kind—financial, business,

Author: Joe Calvetti

How The Gift Tax Works

How Traditional Financial Planning Has Failed Young Families

Why You Need Life and Long Term Disability Insurance

5 Reasons Young Families Need a Financial Plan

Roth vs. Traditional 401(k): How to Choose

When It Comes To Investing, Focus On What You Can Control

What is Fee-Only?

The Best Ways to Save for Your Children

Should Young Families Prioritize Paying Down Debt or Saving for Retirement?

5 Ways to Build Flexibility into your Financial Plan and Why It’s Important

Joe Calvetti, CPA

[email protected]
Ayer, MA 01432

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Joe Calvetti, CPA

[email protected] Ayer, MA 01432

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[email protected]
Ayer, MA 01432