Calcagnini Wealth Management, LLC

Calcagnini Wealth Management is an independent, single‑advisor registered investment adviser that manages roughly $45 million for about 40 clients and works with individuals as well as trusts, pension and profit‑sharing plans, corporations and charitable organizations. The firm offers discretionary and non‑discretionary asset management, written financial planning, ongoing pension consulting for plan sponsors, referrals to third‑party money managers, and sponsors a wrap fee program.

The firm emphasizes individualized asset‑allocation and regular (at least quarterly) account reviews using fundamental, technical and cyclical analysis, and tailors portfolios to clients’ objectives and risk tolerances. It discloses that it may use borrowing (margin) and derivative strategies, including options, in separately managed accounts — practices that increase leverage and risk and create potential conflicts given its asset‑based billing and fee reporting through client custodians.

Compared with many independent peers, the firm’s role as a wrap fee program sponsor and its active work with corporate clients, charitable organizations and pension/profit‑sharing plans (including pension consulting) are uncommon. The firm also discloses adviser affiliations that may create conflicts — licensed insurance activities and an outside role supporting a venture debt fund, as well as service on a charitable board — which it says are managed through disclosure and due diligence.