Are you really getting the financial advice you need—or just what your advisor is “allowed” to talk about?
In this episode of Making Cents, host John Napolitano sits down with Thomas Schulte CFP®, Director of Financial Planning at Napier Financial, to uncover the awkward truth behind what most financial advisors won’t tell you.
Let’s dive deep into fully integrated financial planning—what it really means, why most advisors don’t do it, and how high-net-worth families can ensure every facet of their wealth is working in sync.
Here’s what you’ll take away from this episode:
The myth of “We do better when you do better” – Why most advisors focus only on managing assets and ignore the bigger financial picture.
Why business owners need integrated planning – A real-world example of a 40-year-old entrepreneur looking to buy her company’s building and the key financial decisions that come with it.
The missing piece in your financial team – How accountants, attorneys, and investment advisors fail to communicate, leaving major gaps in your wealth strategy.
If you think your financial team is handling everything, this episode might make you think twice. Tune in to learn how to take control of your financial future with a truly integrated approach.
Key Links
Making Cents Podcast – https://www.makingcentspod.com/ 
Napier Financial – https://napierfinancial.com/ 
John Napolitano’s LinkedIn - https://www.linkedin.com/in/johnpnapolitano/ 
Thomas Schulte’s LinkedIn - https://www.linkedin.com/in/twschulte/
Advisor Representatives at Napier Financial are either 1) Advisor representatives of U.S. Financial Advisors, a registered investment advisor, or 2) Advisor representatives dually registered through U.S. Financial Advisors and Great Valley Advisor Group, registered investment advisors. Financial planning and investment advice is offered through U.S. Financial Advisors and/or Great Valley Advisor Group accordingly.
Podcast produced and distributed by Evergreen Financial Marketing https://www.evergreenfm.com/

Welcome back to Making Cents with me, John P.  Napolitano.
We’re here to break down the big questions high net worth families face–you know, the ones your “investment guy” never asks about. No Fluff. No finance 101.
Just straight talk to help you make smarter decisions and keep your wealth working as hard as you do. Let’s get to it.