Every Day Is Saturday
By: John Napolitano | Founder and Chairman We have many clients who are starting to sell their businesses or retiring from companies and corporations. Many large changes occur, but the biggest are often in their routines. If you own a business or have a particularly high-performance job, you work your butt off Monday through Friday….
Making Cents: Joint Ownership Can Create Problems
Let’s start by defining to two most common forms of joint ownership. First is the joint tenants in common form of ownership. Joint tenants in common mean that each individual owner has an undivided ownership interest in the property, be it a coin collection, bank account or real estate. So if you’re a joint tenant…
If a picture is worth 1,000 words…
…what is a video worth? Being a part of a fully integrated wealth management team is an honor few can claim. We have built this firm one person at a time, one client at a time. Clients have been carefully selected because they are fun to be with and appreciate our integrating everything that involves…
Making Cents: What If You Can’t Work?
Many people spend a lot of time planning and worrying about what may happen to their stakeholders if they pass away pre-maturely. Stakeholders for purposes of this discussion are considered loved ones such as a spouse, partner, children and family, your fellow shareholders of the business or the clients of your business for whom you’ve…
Making Cents: The Ups and Downs of Family Owned Real Estate
Some families intentionally pool their resources to make investments in real estate. Others inherit properties and become partners, whether that was their plan or not. Either way, owning real estate with family members can be a great way to benefit from family resources or be the straw that breaks the camel’s back with respect to…
Making Cents: Your Own Team Assessment
Just like a professional sports team, it would be a wise idea for you to review your entire team of service providers. There is no time like the present to evaluate that you have assembled the right professionals to help you keep your financial house in order. The hardest part about this evaluation is judging…
Making Cents: Making the Most Out of Your Financial Review
Your review meetings with your financial advisor should be about a lot more than your portfolio. Anyone can review investments and tell you why they went up or down. That service alone is not often worth the price of admission. A productive review meeting will have a detailed agenda to ensure that your whole financial…
Making Cents: Stress Test Your Forecast
With an eye toward the dog days of summer vacation, this is a good time of year to think about how you would spend your time if every day was vacation. For many, the goal of not working some day is still alive. Retiring isn’t what it used to be, however. Today, retirees want a…
Making Cents: Dollar Cost Averaging
Dollar cost averaging is a term that has been around for many years, but always seems to get a lot more usage during turbulent markets. Whether it’s justification for continuing to invest in your 401K or simply systematically contributing new investable money into your accounts over a specified time period, dollar cost averaging is here…
Making Cents: The Wisdom of Rebalancing Portfolios
For most investors, their portfolio starts out with an allocation amongst a few different asset classes. There may be large and small U. S. Equity, U. S. and foreign debt, large and small foreign equities, real estate and so on. The goal for most investors is to start with a portfolio that is broadly diversified…