As an experienced Charlotte financial advisor, our wealth management Charlotte, NC services are designed to organize and simplify the complexities of your financial life through comprehensive financial planning, retirement planning, investment management and tax planning. Working with a financial planner can help you make better financial decisions based on a professionally prepared plan and reduce the stress of transitioning to retirement. At Calamita Wealth Management, we specialize in helping people over age 50 prepare for and enjoy a successful retirement by carrying the emotional burden of managing your finances so you can focus on living your best life.

Most people think all financial planners are “certified”, but this isn’t true. Just about anyone can use the title “financial planner” or “financial advisor”. When it comes to your financial security, it’s about partnering with a financial advisor who Charlotte residents and beyond can trust to put their interests first. CERTIFIED FINANCIAL PLANNER™ professionals have attained the standard of excellence in financial planning by meeting rigorous education, experience and ethical standards. Our team at Calamita Wealth Management holds these prestigious certifications, ensuring you receive advice that adheres to the highest industry standards and is tailored specifically to your retirement goals.

Fiduciary: CERTIFIED FINANCIAL PLANNER™ professionals are required to conduct their business under a fiduciary duty, the highest standard of care in the industry. This means we are legally obligated to put your interests first.

Education: 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 call themselves a CFP® professional. This ensures you’re working with someone who has demonstrated extensive knowledge in financial planning.

Transparency: No Hidden Commissions – CERTIFIED FINANCIAL PLANNER™ professionals must operate with full transparency with no bias to sell a certain product line or company offering. Our recommendations are based solely on what will help you achieve your retirement goals.

Only 31% of U.S. personal financial advisors are CERTIFIED FINANCIAL PLANNER Professionals.* At Calamita Wealth Management, we believe this distinction is crucial for clients seeking retirement planning expertise they can trust. *Source: www.cfp.net, www.bls.gov

Unlike many financial advisors, we do not receive kickbacks or commissions for recommending certain investments. Our transparent fee structure puts the focus on managing your investments and retirement planning needs as opposed to a certain product or investment. This alignment of interests ensures that our recommendations are made solely to benefit your financial future. We believe this transparency is essential for building long-term relationships based on trust and mutual success.

At Calamita Wealth Management, we understand that taxes can be a complex and daunting aspect of retirement planning for individuals. While we do not prepare and draft tax returns in-house, we work closely with your tax advisor to develop and implement tax strategies that help you keep more money in your pocket over your lifetime. Our tax planning services are designed to minimize your tax burden both now and throughout retirement, which is a crucial component of comprehensive financial planning for individuals over age 50.

Our retirement planning services give you the confidence and clarity to retire without running out of money. We don’t believe in one-size-fits-all formulas, but rather create personalized retirement plans based on your specific goals, lifestyle desires, and financial situation. Through detailed analysis of your current assets, future income sources, anticipated expenses, and potential healthcare costs, we develop a comprehensive retirement roadmap that provides clarity on exactly what you need to maintain your desired lifestyle throughout retirement. Our mission is to ensure your golden years are truly golden, with financial security that lets you enjoy what matters most to you.

Without paying careful attention to taxes, your wealth could be unnecessarily eroded now and into retirement. At Calamita Wealth Management, we implement strategic tax planning to help maximize your after-tax retirement income. This includes optimizing the timing and sourcing of withdrawals from different account types (traditional IRAs, Roth IRAs, taxable accounts), managing capital gains and losses, planning for Required Minimum Distributions, considering Roth conversion opportunities, and providing guidance on Social Security taxation. Our proactive approach to tax planning is designed to reduce, minimize, or potentially eliminate taxes on your retirement income, helping you keep more of what you’ve worked so hard to save.

Our investment philosophy prioritizes maintaining your lifestyle in retirement regardless of market corrections and economic turmoil. We focus on creating sustainable income streams that can support your needs throughout retirement while managing risk appropriately. Rather than chasing returns, we develop investment strategies aligned with your specific retirement timeline, income needs, and risk tolerance. This approach includes diversification across asset classes, careful allocation to minimize volatility, and regular portfolio reviews to ensure alignment with your changing needs. At Calamita Wealth Management, we believe retirement investing should provide both peace of mind and financial security, allowing you to enjoy this important phase of life without constant worry about market fluctuations.