John P. Napolitano

A collection of Insights

Making Cents: How To Pick A Trustee

A trustee is generally a person or a company who oversees the governance and maintenance of a trust. For some trusts, you may be your own trustee while for others, you may need or want an independent trustee. For simplicity sake, realize that if you are your own trustee and have the power to reach…

lock-security

Making Cents: One Thing About The Internet, You Can’t Take It With You

Sometimes things that are designed to make life simpler seem to complicate matters further. Take the ever growing presence of the internet. How many websites, user IDs, and passwords can any one person endure? Especially in this world of changing passwords and identity protection. Mainly due to security reasons, the internet, which was supposed to…

laptop and paper

Making Cents: Expanding Your Annual Financial Check Up

As the calendar marches toward the final quarter of the year, there are certain financial rituals that many astute investors embrace. They routinely scour their portfolios for gains or losses to harvest, see that their allocations align with their expectations and they plan for ways to reduce the income taxes that they’ll pay for the…

tightrope

Making Cents: Managing Risk

Many say that an analysis of risk should be the first step of the financial planning process after you’ve compiled your financial statements and enumerated your dreams, goals and objectives.  The reason for starting with risk is because the occurrence of an unplanned risk may prevent your best laid plans from ever having a chance…

paint tray

Making Cents: Why Get Your Financial House In Order?

Perhaps the most common reason for the gaping holes in one’s financial plan is the lack of focus on what you are trying to accomplish. Why get your financial house in order? During the course of my week as a financial professional, we frequently see people with gaping holes in the financial plans. Some have no…

john-nap-ellie

A Great Day For Sportsmanship

Last Sunday here on the Irish Riviera (one nickname for Scituate, MA) was not a great day for outdoor activities.  The day was a complete washout reminiscent of South Florida style storms complete with thunder and lightning. Frequently on days like this, I have a saying that it is “a great day for indoor sports”….

graduation

Making Cents: College Grads Face More Challenges Than Ever

This time of year, I always like to say something positive to the new entries into “the real world”. New college grads have always had challenges transitioning from the college world into a world of work, bills and responsibilities. In today’s economy these grads face as many challenges as ever.  Many have large amounts of…

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