Still River Financial Planning fees and pricing
Financial planner in Ayer, Massachusetts. Registered with state securities regulators.
According to its Form ADV Part 2A brochure dated March 31, 2026, Still River Financial Planning charges $250 an hour, a flat or project fee of $1,500, and an annual fee of $3,600-$10,200 for financial planning.
Published fees
Quoted from the firm's Form ADV Part 2A brochure, filed March 31, 2026. Fees can change, so confirm with the firm before you hire them.
- Hourly rate
- $250/hr
“Financial Planning engagements are offered at an hourly rate of $250 per hour.”
- Flat or project fee
- $1,500
“Ongoing Comprehensive Financial Planning Ongoing Financial Planning consists of an upfront charge of $1,500 and an annual fee between $3,600 - $10,200 that is paid monthly or quarterly, in arrears, and is based on complexity and the needs of the client.”
- Annual fee
- $3,600-$10,200/yr
From the same sentence as above.
Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)
How Still River Financial Planning bills
Payment and refund terms, quoted from the fee section of the brochure.
- “The annual fees are negotiable and are prorated and paid in arrears on a quarterly basis.”
- “Advisory fees are directly debited from Client accounts, or the Client may choose to pay by electronic funds transfer, credit card, or check.”
- “Accounts initiated or terminated during a calendar quarter will be charged a 7 prorated fee based on the amount of time remaining in the billing period.”
How Still River Financial Planning’s fees compare
- Its hourly rate of $250 is below the Massachusetts median of $300. 27% of the 183 other Massachusetts planners that publish an hourly rate charge less.
- Its flat or project fee of $1,500 is below the Massachusetts median of $4,750. 9% of the 158 other Massachusetts planners that publish a flat or project fee charge less.
- Its annual fee of $3,600-$10,200 spans the Massachusetts median of $8,250. 40% of the 62 other Massachusetts planners that publish an annual fee charge less.
About Still River Financial Planning
- Principal: Joseph Calvetti
- Solo practice: one person runs the firm, so you work directly with the planner.
- Credentials named in the brochure: CFP®.
- Registered as an adviser: 2022 (4 years).
Planning areas mentioned in the brochure
- Retirement planning
- Tax planning
- Estate planning
- College planning
- Business owners
- Equity compensation
- Cash flow and budgeting
Firm details from Form ADV
- How the firm is paid
- Hourly fees, fixed or flat fees, percentage of assets under management
- Charges a % of assets
- Yes
- Highest asset based fee in brochure
- 2% a year
- Clients
- 26
- Employees
- 1
- Works with
- Individuals and high net worth individuals
- Services reported to regulators
- Financial planning, portfolio management for individuals and small businesses, newsletters and publications, and other services
- Assets managed
- $3,114,486
- Registered with
- State securities regulators
- Disciplinary disclosures
- None reported
- SEC CRD number
- 317254
- Phone
- (603) 801-4486
Other planners in Massachusetts that publish fees
- 1620 Investment Advisors, Inc.Plymouth$75-$175/hr
- Aaf Wealth Management, LLCWestborough$350/hr, $750-$10,000
- Abraham, Robert Ralph JRSalem$400-$3,000
- Access Financial Planning, LLCNewburyport$6,000-$10,000/yr
- Access Investment ManagementMelrose$250/hr, $1,000-$4,000
- Act 2 PlanningWinchester$100-$500
Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.