Your External Financial Team
Todd Calamita, CFP®
Todd Calamita is a Certified Financial Planner® and founder of Chiropractic Wealth Management. Together with his professional network, he helps those in the Chiropractic field address their five biggest concerns: preserving their wealth; mitigating taxes; taking care of their heirs; ensuring their assets are not unjustly taken; and charitable giving.
Todd uses a consultative process to gain a detailed understanding of Chiropractor's and their family’s deepest values and goals. He then employs customized recommendations designed to address each client’s unique needs. Successful chiropractors work with Todd to:
- Develop and implement a comprehensive wealth management plan that will help them achieve their financial dreams
- Make smarter decisions in today’s uncertain political, economic and social environment
- Obtain an independent second opinion from a top financial advisor who specializes in serving chiropractors
Previously, Todd spent ten years as a financial advisor, first with RBC Wealth Management and then with Wells Fargo Advisors. He has authored a book, Plan Smart: Conquering 10 Common Money Traps, as well as numerous articles on wide-ranging personal finance topics, from taxes to retirement accounts. Todd has also been featured in the Financial Bootcamp TV series as a volunteer showing people how to make smart decisions about their money.
In solving his clients’ biggest financial concerns, Todd offers insight and experience that go beyond simply rendering investment advice to create a better future for high-net-worth Chiropractors.
Stephanie is responsible for various administrative duties including processing client service requests and handling the daily operations of the firm.
Stephanie began her career in Financial Services in 1992 with Prudential Insurance. She graduated in 1994 with a Bachelor of Business Administration in Finance and Economics. Shortly after graduation, she accepted a position at Dean Witter Reynolds, assisting several top financial advisors with sales and marketing. In spring of 1995, she was recruited by Vestax Corporation where she headed up their product division concentrating on Mutual Funds and Variable Annuities.
Stephanie went on to hold positions as a Regional Sales Manager of an insurance marketing organization as well as Director of Sales and Product Development for a mid-size Broker Dealer. In 2007, she decided to branch out on her own to offer administrative and operational support services to select advisor firms around the country.
Stephanie is an Ohio native and has been married to her husband, David, since 1995. They have three children, Kaelyn, Haleigh and Gabriel. She enjoys camping, gardening, quilting and reading.
SUSAN CHESNEY, CFP®**
Sue is responsible for analyzing strategies to help clients achieve their personal and financial objectives. After completing a comprehensive evaluation of our clients current situation, she helps develop a written plan to accomplish agreed upon goals and monitor progress going forward.
Sue earned a Bachelor of Science degree in business from the University of Virginia and completed a Master of Science degree in Personal Financial Planning.
As a Certified Financial PlannerTM professional, Sue has worked in the financial services industry for more than 15 years. She began her career as a retirement plans specialist for a securities clearing firm and transitioned to manage the western regional financial planning department of a national broker-dealer. In 2005, Sue took the opportunity to develop and manage the financial planning division of an independent Registered Investment Advisor firm. She decided to branch out on her own to offer financial planning support services to select advisor firms around the country in 2011.
Sue enjoys travel, volunteering and outdoor activities. Living in Denver, Colorado, provides her ample opportunity to enjoy the mountains in all seasons.
Janet Davis, CPA, CFP®***
Janet Davis is a Certified Public Accountant and Certified Financial Planner with nearly 20 years of income, estate and gift tax planning experience. Her many years of public accounting experience at Arthur Andersen and Clifton Larson Allen have given her a strong compliance background as well.
Janet works with Chiropractic Wealth Management to jointly meet chiropractors financial goals in a tax efficient manner. Her areas of specialization include income tax planning and return preparation
Janet earned a B.S. in Accountancy from the University of Illinois and an M.S. in Financial Planning from the College for Financial Planning in Denver, Colorado. She is an adjunct professor at California Lutheran University, teaching tax and accounting courses in the MBA - Financial Planning program. Janet is also a member of the Financial Planning Association, Southern Arizona Estate Planners Council, Tucson Tax Study Group, the American Institute of Certified Public Accountants, and the Arizona Society of Certified Public Accountants. She is an enthusiastic supporter of the Tucson Symphony Orchestra and is immediate past Treasurer on the Board of Trustees.
*Services provided by FSOS, LLC.
**Services provided by Delegated Planning
***Services provided by Trusted Advisor Consulting
Your team may also include the following:
Disability Insurance Specialist
Life Insurance Specialist
Estate Planning Attorney
Retirement Plan Design Consultant
to help secure your plan and your family if you become injured or sick
to help implement a life insurance plan that provides for your heirs and most efficiently transfers your wealth
to properly structure your estate planning documents (wills, trusts, powers of attorney, and guardianships of your children)
to help your practice operate as efficiently as possible
to establish the most tax effective retirement plan for your specific situation and practice
In addition, we may bring in other experts to address specific areas in your wealth plan. We welcome any professionals you are personally working with so we may integrate their advice and recommendations into our process. Chiropractic Wealth Management is here to oversee the effort and manage the team so that everyone is working in tandem for your benefit. Knowing that your wealth plan is being evaluated and updated regularly as laws, tax codes, and trends change, you can devote your time and energy to the areas that are most important to you and to your family.
SECOND OPINION SERVICE
Enjoy a portion of our five step consultative process at no cost. We will meet with you for a Discovery Meeting and will confirm if you are on track to fulfill your values and achieve your goals with your current financial provider. If needed, we will suggest ways in which we can help, including recommending another provider if we are not a good fit for your needs.