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# Calamita Wealth

## Sitemaps
[XML Sitemap](https://www.calamitawealth.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Do You Have Enough to Retire? How to Calculate Your Number in 2026](https://www.calamitawealth.com/enough-money-to-retire-do-i-have-enough/): You likely have enough to retire when your guaranteed income plus about 4% of your invested savings covers your annual expenses. A common shortcut is 25 times your yearly spending, or replacing 70% to 80% of your pre-retirement income. Your real number depends on your expenses, your Social Security timing, and your health care costs.
- [How to Generate Income in Retirement: 7 Strategies for 2026](https://www.calamitawealth.com/how-to-generate-income-in-retirement/): Retirees can generate income in retirement by optimizing Social Security timing, taking flexible portfolio withdrawals, holding dividend and interest-paying investments, working part-time or consulting, owning real estate or REITs, adding an annuity for guaranteed income, and monetizing existing skills. Most retirees combine several of these rather than relying on one.
- [Required Minimum Distributions (RMDs): Timing and Tax Tips](https://www.calamitawealth.com/required-minimum-distributions-rmds-timing-and-tax-tips/): Required minimum distributions are mandatory withdrawals from tax-deferred retirement accounts, starting at age 73 for most current retirees. Your RMD equals your prior year-end balance divided by an IRS life expectancy factor. Because the withdrawal is taxable, RMD timing affects your federal bracket, your Medicare premiums, and how much of your Social Security gets taxed.
- [Wells Fargo Employee Benefits Guide](https://www.calamitawealth.com/wells-fargo-employee-benefits-guide/): Wells Fargo employee benefits for 2026 include a 401(k) with a dollar-for-dollar match up to 6% of eligible pay, new after-tax 401(k) contributions of up to $10,000, Roth and pre-tax contribution options, health savings accounts, paid parental leave, tuition reimbursement, insurance coverage, and equity compensation. The details matter, especially for higher-income employees who may use the new after-tax contributions and in-plan Roth conversions as part of a mega backdoor Roth strategy.
- [Roth Conversions After Age 55: What to Know](https://www.calamitawealth.com/roth-conversions-after-age-55/): Roth conversions after age 55 let you move pre-tax retirement money into a Roth account, pay tax on the converted amount now, and set up tax-free qualified withdrawals later. The strategy tends to work best in lower-income years before Social Security and required minimum distributions begin, and when the tax cost fits your broader retirement plan.
- [When Should Wells Fargo Professionals Stop Maxing Out Their Pre-Tax 401(k)?](https://www.calamitawealth.com/when-should-wells-fargo-professionals-stop-maxing-out-their-pre-tax-401k/): For many Wells Fargo professionals in their late 50s and early 60s, the right time to stop making pre-tax 401(k) contributions above the match arrives years before they notice. Once your projected required minimum distributions exceed what you'll actually spend, each new pre-tax dollar builds a future tax bill instead of security. Here's how to tell whether you've crossed that line.
- [Tax Planning in Retirement: 3 Strategies to Keep More of Your Money](https://www.calamitawealth.com/tax-planning-in-retirement/): Tax planning in retirement means deciding when income shows up, which accounts you tap, and how each choice affects your tax bill. Three strategies do most of the work: a smart withdrawal order, Roth conversions in lower-income years, and coordinated charitable giving. Used together, they help you keep more of what you saved.
- [The Social Security “Bridge Strategy”: What It Is and Who It’s For](https://www.calamitawealth.com/the-social-security-bridge-strategy/): A Social Security bridge strategy uses other income sources, like cash, taxable accounts, or part-time work, to cover your spending after you stop working, so you can delay claiming Social Security. Waiting past full retirement age, up to 70, can raise your monthly benefit by about 8% for each year you wait.
- [When Should I Take Social Security? A Guide for Charlotte Residents](https://www.calamitawealth.com/when-should-i-take-social-security-a-guide-for-charlotte-residents/): When should you take Social Security? You can claim as early as 62, wait until your full retirement age of 67, or delay to 70 for a larger check. The right age is rarely the one with the biggest monthly benefit. It depends on your income needs, taxes, health, and your spouse.
- [Sequence of Returns Risk: Why Timing Matters](https://www.calamitawealth.com/sequence-of-returns-risk-why-timing-matters/): Sequence of returns risk is the danger that poor market returns arrive early in retirement, when you're withdrawing from your portfolio. Two retirees can earn the same average return over time and still end with very different results, depending on when the losses hit. Timing matters because selling during a downturn can permanently shrink the money you have left to recover.
- [Annuities for Income: Pros and Cons for Charlotte Retirees](https://www.calamitawealth.com/annuities-for-income-pros-and-cons-for-charlotte-retirees/): Annuities can give Charlotte retirees a layer of guaranteed income that helps cover essential expenses, but the tradeoffs around fees, liquidity, inflation, and flexibility can be just as significant as the guarantees. Whether an annuity belongs in your retirement income plan depends on how it fits alongside Social Security, your portfolio, your tax picture, and your long-term goals.
- [Divorce Financial Planning: Common Settlement Mistakes and How to Move Forward](https://www.calamitawealth.com/divorce-financial-planning/): Avoid costly divorce settlement mistakes with financial planning guidance focused on taxes, retirement, cash flow, and recovery.
- [What’s a Safe Withdrawal Rate in Today’s Market?](https://www.calamitawealth.com/whats-a-safe-withdrawal-rate-in-todays-market/): A safe withdrawal rate is the percentage of your portfolio you can spend each year without running out of money in retirement. The right number depends on your spending, your investment mix, when you retire, and how long your money needs to last. There’s no universal answer, but there are better ways to find your answer.
- [How to Turn Your 401(k) Into a Paycheck](https://www.calamitawealth.com/how-to-turn-your-401k-into-a-paycheck/): Your 401(k) becomes a retirement paycheck when you build a withdrawal strategy around your income gap, tax exposure, and market risk. The account itself doesn't generate a paycheck. The plan you build around it does. That means coordinating withdrawals with Social Security, cash reserves, and other income sources so the money lasts.
- [What Should Wells Fargo Employees Know About Deferred Compensation?](https://www.calamitawealth.com/what-should-wells-fargo-employees-know-about-deferred-compensation/): Wells Fargo deferred compensation is one of the most valuable benefits available to higher-earning employees, but it comes with real tradeoffs. Nonqualified deferred compensation lets you set aside income beyond your 401(k) limits and defer the taxes until you receive it. The tradeoff is real: the money is locked up, it can't be rolled to an IRA, and it's not protected the way your 401(k) is. Whether it makes sense depends on your tax bracket now vs. in retirement, how much liquidity you need, and how much risk you're comfortable taking on.
- [Medicare Basics: What to Know at 64](https://www.calamitawealth.com/medicare-basics-what-to-know-at-64/): If you’re 64 right now, Medicare is no longer a someday topic. It’s a this-year topic. The decisions you make over the next 12 months, when to enroll, which coverage to choose, how to budget for premiums, can shape your healthcare costs for the rest of retirement. Most of the costly Medicare mistakes happen because people start learning about it too late.
- [Retirement Tax Planning in North Carolina: Strategies to Reduce Taxes on Retirement Income](https://www.calamitawealth.com/retirement-planning-tax-strategies/): Retirement tax planning in North Carolina isn't just about paying less tax this year. It's about deciding when to claim Social Security, where to withdraw income from, whether Roth conversions make sense, and how today's decisions affect what you'll owe ten or twenty years from now.
- [Retirement Planning for 50+ in Charlotte: What to Know and How to Prepare](https://www.calamitawealth.com/retirement-planning-for-50-in-charlotte-what-to-know-and-how-to-prepare/): After 50, retirement planning shifts from building a bigger balance to making your money last. You can have a strong 401(k) or brokerage account and still lack a plan for income, taxes, market drops, and healthcare. This guide walks through the retirement planning decisions that matter most for Charlotte professionals approaching or entering retirement, and how a coordinated strategy can make the difference between guessing and confidence.
- [Retirement Income Planning: Building a Reliable Paycheck in Retirement](https://www.calamitawealth.com/effective-retirement-income-planning-guide/): Retirement income planning is the process of turning your savings into a reliable monthly paycheck that lasts as long as you do. It coordinates Social Security, pensions, and portfolio withdrawals into one strategy, sequenced for taxes and protected against bad markets. Done well, it replaces the question "will my money last?" with a schedule you can trust.
- [How to Create Reliable Retirement Income in Your 60s](https://www.calamitawealth.com/how-to-create-reliable-retirement-income-in-your-60s/): Your 60s turn retirement income into real choices: when to stop working, when to claim Social Security benefits, and how to turn retirement savings into deposits you can count on. A large portfolio helps, but it does not guarantee a predictable paycheck when markets drop, taxes change, or spending shifts.
- [Social Security and Medicare Planning for Charlotte Retirees](https://www.calamitawealth.com/social-security-and-medicare-planning-for-charlotte-retirees/): After age 60, Social Security and Medicare shift from “someday decisions” to near-term choices that can lock in monthly income, taxes, and healthcare costs for decades. Small timing changes can raise or lower benefits, affect a spouse’s survivor income, and change what you pay for Medicare.
- [Retirement Planning Beyond a 401(k) ](https://www.calamitawealth.com/retirement-planning-beyond-a-401k/): Want to learn Retirement Planning Beyond a 401(k) ?
- [Navigating Asset Rich, Cash Poor Retirement Risks](https://www.calamitawealth.com/navigating-asset-rich-cash-poor-retirement-risks/): Many retirees expect that having significant property, investments, or business interests guarantees stability in their later years. Yet, it is common to enter retirement with most wealth tied up in assets that cannot easily be turned into cash. This situation is known as being "asset rich cash poor".
- [Financial Planning Investment: A Four-Step Guide](https://www.calamitawealth.com/financial-planning-and-investment-a-four-step-guide/): Retirement goes hand-in-hand with financial planning and investments. This is because managing and growing your money properly is key to achieving your financial goals and fulfilling your desires. The intersection of financial planning investment strategies becomes increasingly critical as individuals approach their retirement years, requiring a sophisticated understanding of both short-term financial management and long-term wealth accumulation techniques.
- [Bank of America HSA Accounts – Are They Offered?](https://www.calamitawealth.com/bank-of-america-hsa-accounts-are-they-offered/): An HSA (Health Savings Account) is a specialized savings account available to employees with HSA-compatible health insurance plans. Bank of America HSA accounts require enrollment in the Consumer Directed High Deductible Plan (HDHP) to qualify.
- [How to Protect Your Wealth in Uncertain Times](https://www.calamitawealth.com/how-to-protect-your-wealth-in-uncertain-times/): But while change is inevitable, it doesn't have to be scary or overwhelming. Learning how to protect your wealth today can save you tremendous frustration, heartache, and financial stress in the future.
- [A Millenial’s Guide to Retirement Planning in Charlotte](https://www.calamitawealth.com/a-millenials-guide-to-retirement-planning-in-charlotte/): As a millennial navigating career growth, student loans, and building your life in Charlotte, retirement planning might seem distant. However, this millennial guide to retirement planning shows that starting in your 20s or 30s gives you a powerful advantage: time. Whether you’re just beginning or already investing, this comprehensive millennial guide to retirement planning will help you build financial security for your future while living your best life today.
- [Additional Income Streams to Secure Your Retirement](https://www.calamitawealth.com/additional-income-streams-to-secure-your-retirement/): Planning for retirement requires more than just a savings account. Additional income streams are essential for building true financial security and helping to ensure a comfortable retirement. Whether you're decades away from retirement or approaching it soon, diversifying your income sources now can significantly impact your financial stability in your golden years.
- [11 Free Retirement Assessment Tools for 2026 to Maximize Your Future](https://www.calamitawealth.com/free-retirement-assessment-tools/): Planning for retirement in 2026 demands up-to-date information and reliable tools. The right free retirement assessment software can clarify your next steps and help you gain confidence in your future plans. Individuals over 50—especially those with significant retirement savings—often face complex questions about income, investments, and taxes.
- [What a Health Scare Can Teach You About Experts, Money, and Time](https://www.calamitawealth.com/what-a-health-scare-can-teach-you-about-experts-money-and-time/): When you face a serious medical diagnosis, it changes everything...your perspective on health, time, and what truly matters in life. As a financial planner with over 25 years of experience helping people prepare for their futures, I never expected a health scare would teach me the most valuable lesson about living in the present.
- [4 Steps for Saving and Planning for Your Kid’s Education](https://www.calamitawealth.com/4-steps-for-saving-and-planning-for-your-kids-education/): Saving and planning for your kid's education is one of the most important financial decisions you'll make as a parent. While creating a financial plan may seem overwhelming, it's not just about your own security—it's about giving your children the opportunities they deserve without the burden of crushing student debt. When you work with a financial planning professional, you can develop a comprehensive strategy that balances your retirement goals with funding your child's educational future.
- [Living Your Retirement Dream Now: Start Today, Not at 65](https://www.calamitawealth.com/how-can-you-start-living-your-retirement-dream-now/): At Calamita Wealth Management, we believe in living your retirement dream now, not postponing happiness until some distant future that may look very different than you imagine.
- [Cost of Long Term Care in North Carolina](https://www.calamitawealth.com/cost-of-long-term-care-in-north-carolina/): Understanding the cost of long term care in North Carolina is crucial for proper financial planning. Between sorting through the type of care and level of care needed, to understanding the true cost of your unique situation, planning for a long term care event can be overwhelming.
- [Why Women Need Financial Advisors When They Get Divorced](https://www.calamitawealth.com/why-women-need-financial-advisors-when-they-get-divorced/): This is why it's especially concerning that 95% of women do not utilize a financial advisor for divorce. Considering that women experiencing divorce are undergoing a monumental change in their lives, it would be best to utilize any and all the help that is available to them.
- [Choosing Financial Advisor Guide: 6 Steps For The Best Advisor](https://www.calamitawealth.com/choosing-financial-advisor-guide-6-steps-for-the-best-advisor/): The process of managing personal finances can present many questions. This comprehensive choosing financial advisor guide helps individuals navigate the complex decision of selecting the right financial professional for their needs. 
- [Why I’m a Life Planner at Calamita Wealth Management](https://www.calamitawealth.com/why-im-a-life-planner-at-calamita-wealth-management/): In my case, an unexpected, messy, and life-changing divorce rocked my world but also ignited a new passion in me to help others who are walking through similar situations. I turned my story around, and now as a dedicated life planner, I want to help women turn their darkest moments into a bright new future too.
- [When Should I Claim Social Security?](https://www.calamitawealth.com/when-should-i-claim-social-security/): Deciding when should I claim social security is one of the most crucial financial decisions you'll face as you approach retirement in your early 60s. While the option to start receiving benefits at age 62 is tempting, delaying your claim until age 70 can offer significant advantages.
- [Wells Fargo Employee Retirement: 5-Step Checklist](https://www.calamitawealth.com/wells-fargo-employee-retirement-5-step-checklist/): Planning your Wells Fargo employee retirement checklist requires careful preparation to maximize your benefits and ensure financial security. This comprehensive Wells Fargo employee retirement checklist outlines five critical steps to help you transition smoothly into your next chapter. Understanding all the Wells Fargo employee benefits can help maximize your retirement experience and protect your financial future.
- [3 Proven Ways to Protect Against Sequence of Return Risk in Retirement](https://www.calamitawealth.com/protect-against-sequence-of-return-risk/): One of the most significant risks retirees face is sequence of return risk, which can derail even the best-laid retirement plans. If you’re unfamiliar with this term, don’t worry—you’re not alone. Most pre-retirees aren’t aware of it until they start living off their portfolio.
- [A Sample Financial Plan](https://www.calamitawealth.com/a-sample-financial-plan/): With a world of information at our fingertips, we can find reviews, price history, product specifications, and more details than we’ll ever need about anything we want to buy. In other words, before making a major purchase, we can arm ourselves with information to make the best choice possible.
- [The Top 10 Wells Fargo Employee Financial Mistakes](https://www.calamitawealth.com/10-wells-fargo-employee-financial-mistakes/): After years of working with Wells Fargo employees, I’ve identified common Wells Fargo employee financial mistakes that cost thousands in retirement savings. These Wells Fargo employee financial mistakes are entirely preventable with proper planning.
- [Master Investment Management for Wealth Building Success](https://www.calamitawealth.com/master-investment-management-success/): Have you ever wondered why some investors steadily grow their wealth while others seem to hit roadblock after roadblock? The difference often comes down to intelligent, disciplined investment management. Whether you’re working toward a comfortable retirement or overseeing millions of dollars in institutional assets, understanding and applying the principles of investment management can lay the foundation for long-term success.
- [5 Ways to Achieve a Better Investment Experience](https://www.calamitawealth.com/5-ways-to-achieve-a-better-investment-experience/): Investing in today's dynamic markets can feel overwhelming, with countless variables affecting your portfolio's performance daily. While market volatility and economic uncertainties remain beyond any investor's control, achieving a better investment experience is entirely possible when you focus on proven principles and disciplined strategies.
- [Valuable Benefits of Having a Fee-Only Financial Planner](https://www.calamitawealth.com/valuable-benefits-of-having-a-fee-only-financial-planner/): Choosing the right financial advisor can mean the difference between achieving your retirement goals or falling short. Not all financial planners are created equal. When looking for a fee-only financial planner to help you meet your long-term financial objectives, you must understand that there are different types. The two main types are brokers and fee-only financial planners.
- [Tax Strategies for the 12% Bracket in Early Retirement](https://www.calamitawealth.com/high-income-tax-strategies/): Early retirement presents two main challenges: accessing your money before the standard retirement age (59½) and minimizing your taxes while doing it. Strategic withdrawal planning can dramatically reduce—or even completely eliminate – your tax burden. Let’s explore how the hypothetical Jones family utilized thoughtful planning to reduce their tax bill in early retirement significantly.
- [How to Find a Fiduciary Financial Advisor: A Comprehensive Guide](https://www.calamitawealth.com/finding-fiduciary-financial-advisor/): In this article, we'll cut through the jargon and explain exactly what a "fiduciary financial advisor" is. We'll focus on defining this key term, emphasizing their legal and ethical obligations to serve your financial well-being. We'll use plain language and differentiate a fiduciary from other types of financial professionals, setting the stage for understanding the value they bring to your financial journey.
- [Will My Retirement Savings Last? And What About Taxes?](https://www.calamitawealth.com/strategic-roth-conversions-tax-savings/): If you’ve ever found yourself asking questions like, “Will my retirement savings last?” or “How do I avoid getting crushed by taxes in retirement?” you’re not alone.
- [Optimize Retirement Spending with a $2.5 Million Portfolio](https://www.calamitawealth.com/optimize-retirement-spending-with-a-2-5-million-portfolio/): Have you ever wondered how much you genuinely need for retirement, even if you have a substantial portfolio, such as $2.5 million? Retiring comfortably isn't just about accumulating money—it's about knowing how to spend it wisely. Figuring out sustainable spending can feel daunting, even with significant savings. Retirement spending plans need to match both your lifestyle and longevity.
- [Pay ZERO Capital Gains Tax vs Roth Conversions in Retirement](https://www.calamitawealth.com/pay-zero-capital-gains-tax-vs-roth-conversions-in-retirement/): Navigating the financial landscape in retirement often feels like walking a tightrope, especially when it comes to managing your tax obligations. Retirees frequently find themselves balancing two powerful strategies: tax gain harvesting and Roth conversions. But why do these strategies matter, and what's the trick to deciding which path to prioritize?
- [7 Retirement Planning Challenges You Need to Overcome (2025 Guide)](https://www.calamitawealth.com/retirement-planning-challenges-you-may-potentially-face/): Planning for retirement is one of the most significant financial undertakings you'll face in your lifetime. Yet, many Americans find themselves unprepared for the common retirement planning challenges that can derail even the most carefully constructed financial strategies. Understanding these obstacles and developing proactive solutions is essential for securing your financial future and achieving the retirement lifestyle you envision.

## Pages
- [Retirement Courses](https://www.calamitawealth.com/retirement-courses/): Retirement Courses The Wells Fargo Employees' Retirement Blueprint learn more The Retirement Blueprint for Your 50s and beyond learn more
- [Wells Fargo Resources](https://www.calamitawealth.com/wells-fargo-resources/): Free Guides
- [Wells Fargo Employees](https://www.calamitawealth.com/wells-fargo-employees/): Charlotte is home to Wells Fargo, and we specialize in serving Wells Fargo employees both locally and virtually across the country. We help employees navigate their restricted stock rights, 401(k) plan, and more as they prepare to make the most of their benefits before and during retirement.
- [Wealth Management](https://www.calamitawealth.com/wealth-management/): As a Charlotte financial advisor, we offer comprehensive wealth management services, including financial planning, investment management, retirement planning, tax planning, Social Security optimization, and legacy planning, and tailor them to your long-term goals.
- [Retiring Within a Year](https://www.calamitawealth.com/retiring-within-a-year/): Jeff, a medical professional, and his wife Kate, a project manager at a bank, are aiming to retire within a year.
- [Retiring in 1-5 Years](https://www.calamitawealth.com/retiring-in-1-5-years/): Over the last 30 years, both John and Nancy worked hard building their careers in banking.
- [Retiring in 5-10 Years](https://www.calamitawealth.com/retiring-in-5-10-years/): Mark and Megan have been diligent savers throughout their careers in finance and manufacturing, and have always planned ahead for making larger purchases.
- [Reviews](https://www.calamitawealth.com/our-reviews/): Disclosure: The above reviews were given by clients of Calamita Wealth Management (Charlotte, NC), and they are not being compensated for sharing their opinion and experience of our firm. Any compensation creates a conflict of interest and their comments may not be representative of any other person’s experience with the firm.
- [Schedule an Intro Call](https://www.calamitawealth.com/our-process/): Share what’s on your mind and ask any questions, without the pressure of detailed reviews or sales pitches. No homework, no pressure. Just an honest conversation to learn how we can help.
- [Disclosures](https://www.calamitawealth.com/disclosures/): Calamita Wealth Management Inc. (“CWM”) is a registered investment adviser offering advisory services in the states of North Carolina, Ohio and South Carolina and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training.
- [Wells Fargo Benefits Q&A](https://www.calamitawealth.com/wells-fargo-benefits/): If you work at Wells Fargo, you've probably wondered about your 401(k) match formula, when your RSRs vest, or how the after-tax contribution rules work. This is a free tool to ask those questions and get answers from public Wells Fargo documents.
- [In the Media](https://www.calamitawealth.com/in-the-media/): In the Media Worried about SpaceX's volatility? Here's what 401(k) savers should do. Read MORE Fed rate hikes seem likely this year: What does that mean for mortgage rates? Read MORE ‘Worth paying attention to again.’ With Treasury yields near record highs, 5 financial advisers on how to smartly capitalize on this now Read MORE The flexibility is real.’ Financial advisers say parents are missing out on these 7 alternative college savings strategies Read MORE Todd Calamita, Professionally Recognized at Calamita Wealth Management Inc. Read MORE ‘Survivor’s penalty’ can follow the death of a spouse — but its impact may be smaller than expected Read MORE Ask an Advisor: What questions lead to client breakthroughs? Read MORE Being "house rich and cash poor" isn't just about homeownership, it's about liquidity. Read MORE A Financial Planner Warns Retirees About This Expensive Travel Mistake Read MORE ICI: MMF Assets Break Record $​7.​7 Trillion; Kiplinger'​s on Cash Stashing Read MORE Buy? Sell? Hold? Read MORE Don't let dismal days drag down long-term goals Read MORE Stressed About Retirement? Here Are 3 Expert-Backed Steps You Can Implement Right Now Read MORE Nearly 1 in 4 Americans Believe Risk-Taking Builds Wealth. Is It the Key to Financial Success? Read MORE What should you do about the money you've parked in the stock market? Read MORE Financial advice differs for different stages of life Read MORE Where to Stash Cash as Yields Fall, According to Advisers Read MORE Seven Things You Should Do Before 2026 Because of One Big Beautiful Bill Changes Read MORE High-yield munis on a roll, if you can stomach them Read MORE Magellan is back on course Read MORE
- [FAQs](https://www.calamitawealth.com/faqs/): 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.
- [Blog](https://www.calamitawealth.com/blog/)
- [Fees](https://www.calamitawealth.com/fees/): Calamita Wealth Management operates as a fee-only firm, meaning clients pay directly for advice and portfolio management through transparent fees based on assets under management or planning services.
- [Tax Planning](https://www.calamitawealth.com/tax-planning/): Tax planning is not just something that happens at filing time. It’s an ongoing process of making informed decisions throughout the year to help reduce unnecessary tax exposure and improve after-tax results. From how you invest to how you withdraw income in retirement, taxes influence nearly every part of your financial life.
- [Retirement Income](https://www.calamitawealth.com/retirement-income/): Retirement income planning is about turning your savings into a steady, tax-efficient income stream that supports your lifestyle for the long term. It goes beyond simply withdrawing money from accounts; it coordinates Social Security, investment income, and other assets to create consistency while maintaining flexibility as your needs evolve.
- [Investment Management](https://www.calamitawealth.com/investment-management/): Investment management is about more than selecting funds; it’s the process of building and maintaining a portfolio that aligns with your long-term goals, risk tolerance, and overall financial plan. A thoughtful approach focuses on diversification, cost efficiency, and consistency so your investments work with your plan, not against it.
- [Social Security Timing](https://www.calamitawealth.com/social-security-timing/): At Calamita Wealth Management, Social Security timing is not viewed in isolation. It’s coordinated with your overall retirement income plan, tax strategy, and investment portfolio. By evaluating different scenarios, you can make a more informed decision that supports long-term income stability rather than focusing only on short-term cash flow.
- [Retirement Planning](https://www.calamitawealth.com/retirement-planning/): Retirement planning is about more than reaching a number; it’s about understanding how your income, investments, taxes, and spending come together to support your life after work. A well-structured plan helps you move from saving to using your assets with clarity, so you can make decisions with confidence.
- [Contact Us](https://www.calamitawealth.com/contact/): Address: 6135 Park South Dr. Suite 510, Charlotte, NC 28210
- [About Us](https://www.calamitawealth.com/our-team/): There’s real value in having a fully coordinated and professionally managed financial life. This becomes increasingly clear as retirement draws closer.
- [Home](https://www.calamitawealth.com/): Financial Advisors Serving Charlotte, NC, Raleigh, NC and Beyond
- [Site Map](https://www.calamitawealth.com/site-map/): Site Map Posts10 Biggest Mistakes to Avoid When Hiring a Financial Advisor11 Free Retirement Assessment Tools for 2026 to Maximize Your Future2025 Retirement Checklist3 Mid-Term Financial Goals You Can Set for Yourself3 Proven Ways to Protect Against Sequence of Return Risk in Retirement3 Reasons Why Financial Planning Is Crucial for Retirement3 Ways to Make Your Child's College Education Happen4 Keys to Navigating the Initial Shock of Divorce4 Steps for Saving and Planning for Your Kid's Education5 Ways to Achieve a Better Investment Experience6 Financial Steps for Women7 Powerful Reasons You Should Start Saving for Retirement in Your 20s7 Retirement Planning Challenges You Need to Overcome (2025 Guide)7 Unforgettable Things to Do in Charlotte NCA Millenial’s Guide to Retirement Planning in CharlotteA Sample Financial PlanAchieve Your Dream Retirement with Smart PlanningAdditional Income Streams to Secure Your RetirementAnnuities for Income: Pros and Cons for Charlotte RetireesAtrium Health Employee Financial MistakesBank of America Benefits Package 2026Bank of America Employees' Financial Mistakes - Top 9 ListBank of America HSA Accounts - Are They Offered?Budget for Travel in RetirementCharlotte Economic Growth: Opportunities & Financial Planning GuideChoosing Financial Advisor Guide: 6 Steps For The Best AdvisorClient Case Studies: How We Helped Clients Plan For RetirementCommon Divorce Questions  Comprehensive Guide to RIA Lookup: Find Registered Investment AdvisorsCost of Long Term Care in North CarolinaDivorce Financial Planning: Common Settlement Mistakes and How to Move ForwardDivorce Settlement Mistakes We SeeDivorce Transition - What We Do & How We Can HelpDo You Have Enough to Retire? 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## Our Team
- [Todd Calamita, CFP®](https://www.calamitawealth.com/our-team/todd-calamita-cfp/): Todd started Calamita Wealth Management because he was tired of working in an environment where products and production mattered more than serving the client. He wanted to offer more robust financial planning that more effectively addressed the tax and retirement planning issues clients face.
- [Britton Williams, CFP®](https://www.calamitawealth.com/our-team/britton-williams-cfp/): Britton's lifelong passion for financial planning is rooted in a simple idea: helping others. He has built his career around meeting clients exactly where they are and guiding them toward what they value most. That commitment to service shows up well beyond his work, in his community involvement and in the care he pours into raising his family.
- [Susan Chesney, MSFP, CFP®](https://www.calamitawealth.com/our-team/susan-chesney-msfp-cfp/): Sue works behind-the-scenes with our team to provide analysis of our clients’ Financial Plans.  Sue has completed thousands of financial plans over the last two decades. Sue understands just crunching numbers is not what financial planning is all about.
- [Stephanie Platt](https://www.calamitawealth.com/our-team/stephanie-platt/): Stephanie is responsible for various administrative duties including processing client service requests and handling the daily operations of the firm.

## Testimonials
- [Paul Johnson, Charlotte, NC](https://www.calamitawealth.com/testimonial/paul-johnson-charlotte-nc/): "We've been working with Calamita Wealth Management for two months, and the experience has well exceeded what we were hoping for. Britton is helping us make sense of a retirement plan that—hard as it is to believe—is suddenly upon us..."
- [Leigh Kokenes, Raleigh, NC](https://www.calamitawealth.com/testimonial/leigh-kokenes/): "Britton and Todd with Calamita Wealth Management provides comprehensive retirement planning and financial planning. Their attention to detail provides us with a roadmap to gauge our investments and spending. The attention to details are evident in our discussions and much appreciated. Thank you."
- [Mary Leigh J, Charlotte, NC](https://www.calamitawealth.com/testimonial/mary-leigh-j-charlotte-nc-2/): “Todd is so easy to talk to. He acts like you are his only client and I never feel rushed. He has lots of great programs that help forecast where our finances will be if we continue down the path we're on.”
- [Kelly Fillnow, Charlotte, NC](https://www.calamitawealth.com/testimonial/mary-leigh-j-charlotte-nc/): “Calamita Wealth Management has been a complete game changer for us. They genuinely care about their clients’ well-being and personal goals, offering personalized and trusted guidance every step of the way...”