What is more valuable than money–and easier to steal?
In today’s episode of Making Cents, John Napolitano sits down with cybersecurity expert Mark Hurley to expose the invisible risks lurking in your digital life. A West Point graduate and founder of Digital Privacy and Protection, Mark shares why cybercrime has become a bigger business than the global drug trade—and how high net worth families are increasingly in the crosshairs.
You’ll learn:
The surprising ways cybercriminals gain access to your wealth and identity—from your home network to that “harmless” email link
Why your password habits and Wi-Fi choices may be leaving the door wide open
Three essential steps every family should take to protect their digital footprint
Digital threats aren’t going away—but with the right steps, you can stay ahead of them.
Listen in and learn how to lock the front door to your digital life.
Key Links
Special Session: https://www.dpripro.com/napier 
Napier Financial - https://napierfinancial.com
John Napolitano’s LinkedIn - https://www.linkedin.com/in/johnpnapolitano/ 
Digital Privacy Protection - https://www.dpripro.com/home
Podcast produced and distributed by Evergreen Financial Marketing https://www.evergreenfm.com/

Are you treating tax planning as a once-a-year headache instead of a year-round wealth-building strategy?
In this episode of Making Cents, host John Napolitano sits down with Bill Clement, Managing Partner of South Coast Financial Partners, to discuss why high net worth families need to integrate tax planning into every aspect of their financial planning. Forget the stereotypical approach of scrambling in April—this conversation dives into the proactive strategies that help you maximize opportunities and minimize surprises.
As you listen, you’ll discover:
Key items to focus on throughout the year
How strategic Roth conversions look different for wealth preservation
The key considerations when gifting business shares, discounting valuations, and planning for the next generation
The real facts about changing your state domicile to reduce tax burdens
This episode will change the way you think about tax planning and how it fits into your long-term financial strategy. Tune in now and start making smarter decisions that keep your wealth working as hard as you do.
Key Soundbites
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Key Links
Napier Financial - https://napierfinancial.com
John Napolitano’s LinkedIn - https://www.linkedin.com/in/johnpnapolitano/ 
Bill Clement’s LinkedIn - https://www.linkedin.com/in/billclementcpa/ 
South Coast Financial Partners - https://southcoastfp.com/about-us/
Podcast produced and distributed by Evergreen Financial Marketing https://www.evergreenfm.com/

When it comes to buying property, most people think it’s as simple as securing a mortgage, signing paperwork, and getting the keys. But high-net-worth families need a more strategic approach—one that integrates real estate into their overall financial plan.
Are your advisors making sure you're covered or are they asleep at the switch?
In this episode of Making Cents, host John Napolitano CFP®, CPA, PFS, MST sits down with Alex Weiss CFP®, President of Napier Financial, to uncover the crucial but often overlooked aspects of real estate planning.
From how you title a property to creating alignment between your financial, tax, and legal considerations, they break down what it means to actually looks like to integrate real estate into your wealth strategy.
Here’s what you’ll take away from this episode:
Why proper ownership matters and how placing a property in the right trust or entity can protect you and your family.
How to help a child buy a home without unintended consequences and why co-signing a loan might not be the best move.
The hidden risks of vacation homes and investment properties and how to structure ownership to avoid financial and legal pitfalls.
For high-net-worth families, the stakes are higher for real estate. Too often, real estate transactions happen without a second thought to the long-term impact on wealth preservation.
This episode will help you rethink your approach and make smarter, more strategic decisions for your financial future. Listen now to make sure every real estate move you make is working as hard as you do.
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/

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.