John P. Napolitano

A collection of Insights

Making Cents: Is Retirement All It Is Cracked Up To Be?

According to a business owner who recently failed at retirement, ‘retirement isn’t all it’s cracked up to be’. For this individual, it wasn’t about the money, it was about the feeling of loss once he wasn’t the boss and in control. He felt as if his purpose in life had simply disappeared. This is more…


Making Cents: Real World Finance for your College Graduate

As another college graduating class enters the real world, please use this opportunity to give them the only formal lesson they likely didn’t get in college. That lesson is real world finance 101 and how to live fiscally responsibly and within your means. There are many new grads looking for work related to their newly…

Estate Planning

Making Cents: Sometimes Irrevocable Is Good

When it comes to implementing an estate plan, the word irrevocable is a common part of the discussion. While it may sound scary to do anything irrevocable, in estate planning there are several instances where it may make sense. The first of these may be for asset protection purposes. When assets are left outright to…

single family house

Making Cents: Preparing to Sell Your Home

With the arrival of spring, now’s the time when many who have thought about selling a house get a little more serious. If the house needs some work to get the attention of today’s buyers, speak to a professional about which repairs may give you the best return on your investment. That professional could be…

sitting at sunset

Making Cents: The Rule of 168

The rule of 168 isn’t some fancy way of seeing how fast your money doubles or a code section from the IRS, it is a law of life.  The law is that there are only 168 hours in a week, and you need to use them wisely if you want to live the ideal life…

Scituate Spring 4

Spring Has Sprung

Maybe a day earlier than many remember, but at 3/20 just after 11 PM, the Spring Equinox is upon us! All that really means is that the days are now longer than the nights, and for many of us that is a welcoming sight. This is officially my 68th spring, and I think that it…

How to Avoid a Financial Family Feud

All too often families fight about money. Commonly these feuds begin over real estate, family businesses or care decisions for aging parents. No parent’s dream for the future of his or her family includes disownment or troubles among the siblings, yet parents are most often the ones to blame for the problems. Preventing future feuds can…

house with pool at night

Making Cents: There’s More to Risk than Losing Money

When most people think about financial risk, losing money is what they think about. Memories of the real estate investment or stock investment that didn’t work out as hoped may still be stuck in your mind. But risk is much broader than just losing money, and the more money you have, the more likely it…

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