John P. Napolitano

A collection of Insights

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 […]

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 […]

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 […]


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 […]


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 […]

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