# Joe Calvetti

> Joe Calvetti is a fee-only financial advisor at Still River Financial Planning LLC in Ayer, Massachusetts, who holds the CFP and CPA credentials. Still River Financial Planning LLC reports charging hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joe-calvetti/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Still River Financial Planning LLC
- **Based in:** Ayer, Massachusetts
- **Fee model (firm's Form ADV):** Hourly; Fixed fees
- **Assets under management (firm):** $3.1M across 38 accounts
- **Credentials:** CFP, CPA
- **Firm size:** 1 employee
- **Website:** https://stillriverfinancial.com

## Frequently asked questions

### Is Joe Calvetti a fee-only financial advisor?

Yes. Joe Calvetti is listed in the XY Planning Network directory (XYPN members are fee-only).

### How does Joe charge for financial advice?

Joe's firm, Still River Financial Planning LLC, reports charging hourly fees and fixed fees on its SEC Form ADV.

### Where is Joe Calvetti based?

Joe Calvetti is based in Ayer, Massachusetts.

### What credentials does Joe Calvetti hold?

Joe Calvetti holds the CFP and CPA credentials.

### How much does Still River Financial Planning LLC manage?

Still River Financial Planning LLC reports $3.1M across 38 accounts in assets under management.

### How do I contact Joe Calvetti?

Through Joe's website, stillriverfinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/joe-calvetti-10792): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026

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