Todd Calamita

Calamita Wealth Management is a registered investment adviser in Charlotte, North Carolina, providing fee-only financial planning, with a focus on retirement planning and investment management for pre-retirees and retirees, and specializing in Wells Fargo and Bank of America employees and executives, serving clients locally and nationwide. Whether you’re just starting to plan for retirement or you’re living the dream, we're here to help you reach your financial goals. We combine comprehensive financial planning with disciplined investment management to help our clients optimize income, reduce taxes, and invest smarter. Our work starts with a deep understanding of your goals, cash flow needs, tax situation, and legacy priorities, allowing us to deliver advice that is personal, practical, and built around your life, not a generic template. Our client experience is centered on a structured, thoughtful process that brings clarity and confidence to your financial decisions. We begin with a complimentary introductory call to ensure there’s a strong mutual fit, followed by a detailed analysis of your financial picture and the creation of a customized plan. Through our Business Plan for Life™, we integrate cash flow planning, tax strategy, investment positioning, and estate considerations into a cohesive roadmap that supports long-term decision-making and reduces uncertainty as retirement approaches. When it comes to investing, we focus on building tax-efficient, diversified portfolios designed to support sustainable income throughout retirement. Our investment philosophy is grounded in academic research, discipline, and patience, not market timing or speculation. We emphasize thoughtful asset allocation, global diversification, and cost management, while continuously monitoring portfolios and making adjustments as your life circumstances and financial goals evolve. Our firm is led by founder Todd Calamita, CFP®, whose decades of experience and fiduciary commitment guide everything we do. He is supported by a dedicated team of advisors, planning analysts, and client service professionals who share a common focus on delivering high-quality advice and responsive service. While our roots are in Charlotte, we work with clients across the country, partnering with those who want a trusted advisor to help them make smarter decisions and move forward with confidence.