Retirement Planning for
People Age 50+

We create clear, coordinated retirement plans that align your income, taxes, investments, and legacy.

Financial Advisors serving Charlotte, NC and beyond

Guiding you through the Retirement Transition

Our advisors specialize in helping people navigate retirement with confidence, whether you are currently preparing or already there.

Maximize your working years and build a confident income plan.

Enjoy retirement without the financial “what-ifs”.

Aligned plans that bring clarity and prepare for life’s unknowns.

Let’s make sure you’re prepared for the next chapter.

Real Stories.
Real Freedom.

When the pieces finally come together, confidence follows. Hear from clients who now feel in control of their retirement.

We weren’t sure if we could retire comfortably — Calamita helped us see we were ready sooner than we thought.

We trust him with our life savings just like we trust our health to our family doctor.

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.

I chose Todd as my financial advisor because my father had been working with him for some time. When he came to our house to review our financial picture, we immediately felt comfortable talking to him about our money and hopes for the future. He was kind and genuine. He was thorough and thoughtful, which made us feel important because we didn’t have a large amount of money to invest at the time.

My husband and I started working with Todd Calamita and his team about six months ago as we began to plan for retirement and could not be more pleased. One thing that sets Todd apart from other wealth management groups we’ve interviewed is the time he and his team took to really listen and learn about our lives and our family — what is most important to us now, and what we envision for the future.

Todd has been our financial planner for over 20 years. We met him when my husband’s job transferred us to Charlotte, NC, and I took on a temp role at the wealth management firm where Todd worked. It didn’t take me long to realize what an ethical, intelligent, and honest person he is.

I started looking for a financial advisor after I moved to Charlotte, NC from Ohio. Todd and I went to the same college, and I immediately knew he was someone I could trust after meeting with him.

Disclosure

As seen in:

A Fiduciary Partner Focused on You

Founded by Todd Calamita, Certified Financial Planner® (CFP®), Calamita Wealth Management is an independent investment firm based in Charlotte, NC. We specialize in age 50+ retirement transitions and work exclusively with individuals and couples navigating the transition to retirement, helping turn complexity into confidence.

Your Retirement, Your Terms.
Let’s Build Your Plan Together.

Take the next step towards a confident retirement plan.

Financial Advisor FAQs

What does a financial advisor do?

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.

What is a Certified Financial Planner® (CFP®) Professional?

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.

What are the benefits of working with a Certified Financial Planner® Professional?

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

How does Calamita Wealth Management get paid?

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.

Does Calamita Wealth Management only work with Charlotte, North Carolina residents?

No, Calamita Wealth Management not only has clients in Charlotte and surrounding areas, but also works with clients virtually across the country who are interested in having a more certainty around retirement. Our office is located at 6135 Park South Drive, Suite 510, Charlotte NC 28210, but our expertise in retirement planning for individuals over age 50 is available to clients regardless of location. We utilize secure technology platforms to serve clients beyond the Charlotte area, ensuring that distance is never a barrier to receiving expert financial guidance for your retirement planning needs.

When is a financial advisor a fiduciary?

A financial advisor is considered a fiduciary when they are legally and ethically required to act in your best interests at all times – not theirs. This means they must prioritize your financial goals and well‑being above any potential benefit to themselves, fully disclose any potential conflicts of interest, and recommend strategies and investments that truly serve your needs.

At Calamita Wealth Management in Charlotte, NC, fiduciary duty isn’t just a promise – it’s a legal and professional obligation. The firm operates as a Registered Investment Advisor (RIA) and includes advisors who are CERTIFIED FINANCIAL PLANNER™ professionals (CFP®) – both of which require adherence to the fiduciary standard.

For Charlotte residents and those planning their financial future with a local advisor, this fiduciary duty matters because it ensures:

Advice is designed to prioritize the client’s best interests
Recommendations aren’t driven by commissions or sales incentives
Fee structures and potential conflicts are transparent upfront

At Calamita Wealth, every financial plan — from retirement to tax strategy — is built with your best interests at the core.

Learn more about our fiduciary approach

What is a fee-only financial advisor?

A fee-only financial advisor is compensated solely by the client — not through commissions, product sales, or third-party incentives. This structure helps reduce conflicts of interest and ensures the advice you receive is objective and aligned with your financial goals.

At Calamita Wealth Management, based in Charlotte, NC, this fee-only model is part of their commitment to transparency and trust. As a Registered Investment Advisor (RIA) and fiduciary firm, Calamita Wealth does not sell financial products or accept commissions. You pay for their expertise, not a sales pitch.

Here’s why that matters for you:

No hidden incentives — recommendations aren’t influenced by outside payouts
Clear pricing — you understand exactly what you’re paying for
Client-focused — tailored strategies built around your unique financial life

Think of it like this: A fee-only advisor works for you, not for a brokerage or insurance company.

See how fee-only advising supports your goals

How to find a fee-only financial advisor

Finding a fee-only fiduciary financial advisor means looking for someone who is legally and ethically committed to acting in your best interests – and who doesn’t earn commissions from selling financial products.

Here’s how to find the right advisor in Charlotte, NC (or wherever you live):

i. Look for Fee-Only Fiduciary Credentials

Prioritize advisors who are:

- - Registered Investment Advisors (RIAs) – legally bound to the fiduciary standard
  - CERTIFIED FINANCIAL PLANNER™ professionals (CFP®) – who must also act as fiduciaries
  - Clearly listed as fee-only – meaning they don’t receive commissions or kickbacks

ii. Use Trusted Search Tools

You can search reputable directories like:

- NAPFA.org – National Association of Personal Financial Advisors
- LetsMakeAPlan.org – CFP® Board’s consumer site
- FeeOnlyNetwork.com
- Wealthtender.com – A modern directory for independent fiduciary advisors

iii. Ask the Right Questions
When interviewing a potential advisor, ask:

- “Are you a fiduciary 100% of the time?”
- “How are you compensated?”
- “Do you receive commissions or third-party payments?”

At Calamita Wealth Management in Charlotte, you don’t have to wonder. As a fee-only fiduciary RIA, the firm provides conflict-free advice focused on retirement planning, investment strategy, and tax planning – with no product sales, ever.

Explore how Calamita Wealth serves Charlotte families with fee-only, fiduciary advice

What questions should I ask before hiring a financial advisor?

Choosing the right financial advisor is a major decision — and asking the right questions can help you find someone who aligns with your values, goals, and financial life.

Here are key questions to ask before hiring a financial advisor:

Are you a fiduciary at all times?
Not all advisors are legally required to act in your best interest. Look for someone who is always a fiduciary — not just in certain situations.
How are you compensated?
Seek out fee-only advisors who are paid directly by you, not through commissions or product sales. This helps reduce conflicts of interest and ensures advice is aligned with your best interests.
What are your credentials and experience?
Ask whether they hold designations like CERTIFIED FINANCIAL PLANNER™ (CFP®) and whether they specialize in the kind of planning you need — like retirement income, investment management, or tax strategies.
Who is your typical client?
An advisor who regularly works with clients like you will better understand your challenges, opportunities, and financial goals.
What services do you provide — and what’s included in your fee?
Some advisors only manage investments, while others offer holistic planning. Make sure you understand the full scope of services and what you’re paying for.

At Calamita Wealth Management in Charlotte, NC, we encourage these kinds of questions. As a fee-only fiduciary firm, we’re fully transparent about how we work and who we serve — so you can feel confident from the start.

Learn more about working with Calamita Wealth

Retirement Planning for People Age 50+