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Cat Days of Summer

Here we are, August 3rd. Approaching the ‘cat’ days of summer as they should have said! Summer is my favorite season, and in my prior years I would spend it at the beach as much as the weather would allow. I had the whole beach trip onboard and offboarding down to an origami-like science ensuring […]

goats

Goats and Knots

When we hear the word Goat these days, many think of the word as an acronym for the “Greatest Of All Time’.  This term was made widely popular in New England as the media and fans alike began to refer to Tom Brady as the GOAT.  While he may be the GOAT in the eyes […]

Couple on Bridge

Making Cents: Transitions Shine A Spotlight On Your Preparedness

By: John P. Napolitano, CFP®, CPA, PFS, MST Now that I have decades of experience working with families and recognizing what causes many folks to spring into action, I can easily say that transitions cause the most angst. Transitions can be expected and simple like having a baby, getting married or retiring. But transitions are […]

Weiss Family Wedding

My Little Brother

FINALLY, my youngest brother Nate got married. Affectionately known to our two girls as “Uncle Nate”, he is the playful, fun loving, and jovial uncle. For those who do not know, I come from a large, blended family. I am 1 of 4 brothers (I am #3) and I have 5 step-siblings. Nate is the […]

Weekend Warrior Trips

By: Thomas W. Schulte, CFP® If last summer was the Great Reopening, what do we call this? I, like the other 334 million Americans, have been on the road to visit new places with friends & family. I traveled roughly 125 miles south of Boston then 125 miles north of Boston over two weekends to […]

What To Do With Your Elder Parents’ Home

The strategy of gifting the family home to the next generation as your parents mature is fraught with possible pitfalls. Yes, it may save the home’s value from being consumed for long-term health care issues, and in the end, that may or may not matter. Consider the case where the home is your parent’s major […]

Graduating Class

Graduation Extras

Thinking about the major events that take place in one’s life, one that stands out to me is graduating from high school. The other is being a parent of a child graduating from high school. Perhaps a third is coming to the realization that you’re old enough to have a child graduating from high school. […]

balloons

Best Day Ever?!

My neighbor and her family recently purchased a suite at a Red Sox Game to celebrate her mother’s 70th birthday. Her mom is a lifelong fan and had only been to one game back when she was a child. So, 25 family members, (yes, 25!) treated her to a day at the park in a luxury […]

business partners

Partners Are Good Until They’re Not

Most partnerships are forged because people want to work together. There may be a little more to that in some cases, as in one has the capital and the other has the knowledge or business acumen. But generally, unless you inherited something with someone else, partnerships should be based on an amicable relationship with a […]

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Right Now, Internet Security is More Important Than Ever

We have seen a lot of credit card fraud over the past few months. While I don’t know who to blame, what I’ve gathered from the News reports is that since the Russian invasion of Ukraine, hackers have been working overtime to target the USA. They may be Russian hackers, or professionals being paid by […]

cool shades

Lemonade Stand

With the unofficial first summer weekend behind us, you can start to feel the change in the air. The grass is green, the smell of the BBQ surrounds us, and the good ol’ neighborhood lemonade stand is open for business. With our first ‘normal’ summer in front of us since we moved to Westwood, I […]

concert

A Hub for Stubs

My fiancé, Khrista has the nostalgia-gene. Several times a week she’ll dig up old pictures and videos from years ago for long walks down memory lane. In a similar, but different vein, I’ve been known to be a hoarder of sentimental, tangible items. In the mid-1990’s I was given a red zippered pouch with the […]

tessa-smiley

Hello From The (M)Other Side

Adele said it best, and in this case I’m saying Hello from the (M)other side. Six months ago, my husband and I welcomed our daughter Tessa. They are not kidding when they say kids turn your life upside down in the most exhausting and rewarding ways possible. The Team did a great job holding down […]

celebrate

Making Cents: Financial Discussions for Newlyweds

Is it just me, or does it seem that it is always peak season for weddings? If one were allowed to give a financial toast to the newlyweds, here’s what I’d say. Money is the root of all evil, but like any tree, a good root system is essential for anything beneficial to happen. Have […]

Making Cents: The Financial Side of an In-Law Apartment

Elderly parents whose children are willing to allow them to live in their residence are lucky. Although I’m not sure that everyone involved in this arrangement agrees with me. There are at least three or more people that have to embrace this concept for it to be a success. For family harmony to work well, […]

florida to boston

Watching Spring at 75 MPH

As you may know, one of my favorite hobbies is caring for trees and shrubs. I love to plant them, trim them, feed them and watch them.  Call me nuts, but that is one of the ways that I find joy outside of work. Each year, I sit here in New England and ask… “Where […]

blueprints

Making Cents: What’s The Cost of Retirement?

When it comes to retirement, the big question is how much you’d like to spend and whether or not that is sustainable.  There are crazy myths or rules of thumb touted to help determine your retirement needs, but don’t believe them.  The only way to know what your retirement years will cost is to spend […]

Jenn-daughter

Welcome Back, Jenn!

It is officially official, Jenn is back helping the team and clients as of this past Monday, April 25th. For those who did not know, Jenn and her husband welcomed their daughter, Tessa, on November 10th last year. It’s hard to believe that in just two weeks Tessa will be 6 months old! Oh, how […]

Tom-Schulte

Pickle-what?

As I’ve shared with you all before, my father and I are quite competitive. Golf and basketball are no contest in my favor, Scrabble is not a sure-thing for him anymore, and even his suffocating grasp on Progressive Rummy (or as we call it ‘Greg’s Game’) is relinquishing. His last safe haven and my final […]

graduation cap and books

Financial Tips For The College Sendoff

Are you sending kids off to college this fall? Whether this is your first trip with the car packed up or your child’s last year packing and taking herself off to college, consider these discussions and tips for helping them thrive in college. Talk to them about income and expense budgets. Some kids are paying […]

Noise, Noise, Noise

There are not many slow news days in Washington. The broadcast and print media are all fired up for 2022. This year has noise on a lot of levels.

Tom Fletcher Truck

We’re Heading in the Right Direction

Two plus years into this crazy pandemic environment and we’re all still having to deal with Covid variants, sub variants and the continual mischief they create. My family’s taken the whole thing pretty seriously: we’ve all received the vaccines, boosters and have worn masks throughout much of the pandemic. Thankfully we’ve avoided any infections along […]

Making Cents: Breaking Up Is Hard To Do

Life revolves around relationships. Your family, friends, co-workers and those who serve you. Changing a relationship after any long period isn’t easy. But changing a professional relationship that you’ve maintained for years is even harder to do. After all, the incumbent financial professional knows a lot about you and may have served you well at […]

Cheap Private Air Travel

If you love to travel, you know the pain of the airport experience: the security lines, the delays, the crowds. Flying private is a great option to avoid these issues, but has historically been prohibitively expensive. Insider has published a list of 6 options for flying private that could be less expensive than you might […]

holly-alex

It’s A Girl

A week and a half ago (one week early) the newest addition to the Weiss Family arrived. Her name is (drum roll please!)…. Holly Parker Weiss. The entire experience was once again a reminder of just how amazing Moms are and the multitude of different physical/emotional challenges that they go through to bring a child […]

Noise, Noise, Noise

The broadcast and print media are all fired up for 2022. This year has noise on a lot of levels. Taxes, interest rates, Russia, Ukraine, China, Mid-Term elections, Climate Change, Pandemic, Variants, housing prices, immigration and our borders, the supreme court, redistricting congressional seats and a whole lot of other typical political stunts that resurface […]

Making Cents: Treating Your Personal Finances Like A Business

When it comes to your financial life, it really is like a small business of its own. Your finances have income, expenses, risks, taxes, assets and liabilities. There are some things that you can control and others you can’t, but this wide array of moving parts needs to be treated like any well run business. […]

alex-shed

What The Shed

It appears that spring has arrived here in New England, well, at least most days. I still have that uncomfortable feeling that a snow storm is still around the corner as I vividly remember back in the mid-90s when we had the April Fools blizzard. It still haunts me to this day. Anyway, spring turns […]

Spring Is Sprung

Forgive me for potentially jumping the gun, however, I am pleased to announce that spring has officially sprung. I left my apartment without my winter jacket for the first time since October this morning and if I am reading my weather app correctly, the high temperatures for the next ten days range from 50 – […]

Making Cents: Fake News About Your Finances

The term ‘fake news’ has been spouted, jousted and used quite a bit in the past couple of years. At its root, we all want to believe news and other statements made allegedly on fact. But when it comes to financial issues, there’s plenty of fake news being delivered every day by unknowing or unscrupulous […]

Get Smart

I’m typically a late adopter, especially when it comes to technology. A dozen years ago while my wife and all my friends were enjoying the benefits of their new iPhones, I proudly held on to my thrifty Verizon flip phone. From my perspective, that phone could do most anything an iPhone could, such as texting, […]

florida-sailing

How Low Can You Go

I’m not talking about stock markets, the Limbo or being a bad person. I’m talking about Geography. If you’ve been reading this for a while, you may recall that about 7 years ago, Joan and I went to Africa, and in that trip we visited the Cape of Good Hope.  Close to, but not quite […]

Making Cents: Internet Security While Traveling

The topic of Cyber Crimes has crept into our daily news and lives. Even for those who claim that they don’t go online for sensitive data, especially financial data, still have reasons to be concerned.  Just because you choose not to look at your bank or investment accounts online doesn’t mean that the information isn’t […]

Making Cents: Term Life Insurance Reviews

Many people buy their life insurance and then don’t think about it until the next premium notice arrives. Even if you’re in the early stages of a 20 year term policy that was to replace income for the premature death of a young parent, there may be issues for you that were not addressed by […]

Preparation

Preparation is in full swing as we get closer to the due date for baby #2. We are getting the new room set up, pulling out all the baby stuff from the basement, and trying to mentally prepare as best we can. One person that always needs an extra shout out is my amazing wife, […]

A Different Path

Back when I was a young pup at Napier (then US Wealth), circa fall 2016, I found myself in a bit of a tizzy. During my morning routine I received a text from Jenn (also in a tizzy) reminding me that it was Alex’s birthday. Since I had only been on the team for a […]

Making Cents: Retirement-Phobia

I’m not sure that there is such a word, but it’s clear that many experienced workers entering their 60’s begin contemplating retirement. Whether it’s brought on by the social security clock ticking, retirement rules where you work or just the desire to see what life could look like without work. I see two main types […]

Making Cents: Diversification or a Scattered Mess

Many investors know the concept of diversification. Don’t put all of your eggs in one basket, spread your risk, own a little bit of everything… These are some of the words we hear from families whom we politely refer to as a scattered mess. That scattered mess may be organized, in that you’ve got great […]

Embrace the Mess

Hey, how about all of those crazy snow/sleet/ice storms lately? Don’t you just love shoveling the 2+ feet of snow that piled up on the walk, only to have another storm dump another three more inches of ice on top of that a few days later? Welcome to New England, my friends. As they say, […]

Golf Goals

If you follow these pages, you know that I am a very average to below average golfer.  But for some reason, I enjoy being outside and hitting that little round ball, even if it doesn’t go where I intended it to land. In 2022, my objective is to play at least once per month in […]

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