# Cal Cacciaguida

> Cal Cacciaguida is a fee-only financial advisor at Sterling Financial Planning in Sparta, New Jersey, who holds the CFP credential. Sterling Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/cal-cacciaguida/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Sterling Financial Planning
- **Based in:** Sparta, New Jersey
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $760.8M across 1,639 accounts
- **Credentials:** CFP
- **CRD:** 6690980 (https://adviserinfo.sec.gov/individual/summary/6690980)
- **SEC registration:** Investment adviser representative in NJ
- **Exams passed:** Series 66 (2018)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** http://www.sterlingadvice.com

## Frequently asked questions

### Is Cal Cacciaguida a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Cal holds no broker registration, and Sterling Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Cal charge for financial advice?

Cal's firm, Sterling Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Cal Cacciaguida based?

Cal Cacciaguida is based in Sparta, New Jersey.

### What credentials does Cal Cacciaguida hold?

Cal Cacciaguida holds the CFP credential.

### Is Cal Cacciaguida registered with the SEC?

Yes. Cal Cacciaguida is registered as an investment adviser representative in NJ (CRD 6690980), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sterling Financial Planning manage?

Sterling Financial Planning reports $760.8M across 1,639 accounts in assets under management.

### How do I contact Cal Cacciaguida?

Through Cal's website, www.sterlingadvice.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6690980): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.