# Joseph Calvetti

> Joseph Calvetti is a fee-only financial advisor at Still River Financial Planning in Ayer, Massachusetts. Still River Financial Planning reports charging hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Still River Financial Planning
- **Based in:** Ayer, Massachusetts
- **Fee model (firm's Form ADV):** Hourly; Fixed fees
- **Assets under management (firm):** $3.1M across 38 accounts
- **CRD:** 7456761 (https://adviserinfo.sec.gov/individual/summary/7456761)
- **SEC registration:** Investment adviser representative in MA
- **Exams passed:** Series 65 (2020)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://stillriverfinancial.com/

## Frequently asked questions

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

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

### How does Joseph charge for financial advice?

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

### Where is Joseph Calvetti based?

Joseph Calvetti is based in Ayer, Massachusetts.

### Is Joseph Calvetti registered with the SEC?

Yes. Joseph Calvetti is registered as an investment adviser representative in MA (CRD 7456761), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

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

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

### How do I contact Joseph Calvetti?

Through Joseph's website, stillriverfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7456761): 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.