Making Cents

The family business is often the crown jewel of a family’s wealth—but succession rarely happens on ideal terms. Whether due to emotional ties, unspoken expectations, or lack of planning, too many successful businesses fail to survive their founders. In this episode of Making Cents, host John Napolitano sits down with Mark Henry, partner at Citrin Cooperman, one of the nation's top 20 accounting an...

“Cost segregation” is not a part of most people’s vocabulary, but if you own real estate, it should be.   In this episode, John Napolitano sits down with Ryan Foley of Cunningham & Associates, a national expert with more than 20 years of experience helping investors and business owners use cost segregation to reduce taxes and free up capital. This conversation goes beyond accounting theory. It...

In this episode, John Napolitano is joined by Nichol Chiarella, head of the Mergers & Acquisitions Tax Practice at Citrin Cooperman. With extensive experience advising lower middle market companies and their owners, Nichol helps us unpack what really matters when it comes to planning the tax side of a business sale. Spoiler alert: it starts much earlier than most sellers think. Together, they...

Lots of wealthy people own Bitcoin, but very few understand it. What is it? How does it work? In a world where digital transformation touches every part of our lives, the evolution of money may be the most significant—and the most misunderstood. For families with complex financial lives, the conversation around Bitcoin often begins with skepticism and ends with confusion. But what if it’s time for...

What if the biggest transaction of your life was the one you were least prepared for? For many business owners, the idea of selling their company sits quietly in the background—until it’s suddenly urgent. But the best exits don’t happen by accident. They’re built intentionally, years in advance. In this episode, John Napolitano sits down with longtime collaborator and financial advisor Alex Weiss...

Sometimes, success speaks for itself. You're booked out months in advance, your community can't get enough of what you offer—and then, someone says: “Can I open one of these in my town?” What if that question is more than a compliment? What if it's your next business model? In this episode of Making Cents, host John Napolitano welcomes Rick Morgin, a seasoned expert from The Franchise Consulting C...

Confidence is the baseline for any advisor-client relationship, but what most people don’t think about is what happens when the person you’ve trusted for decades steps away. In this special episode, we’re sharing an interview John Napolitano did with Michael Gordon, founder of Inside Advisor Transitions. Michael asks questions geared at John’s experience as longtime advisor, former CPA, and founde...

Is your business worth what you think it is—or what someone tells you it is? Whether you're considering a future sale, bringing in a partner, or simply building long-term wealth, understanding the true value of your business is a must—not a maybe. In this episode of Making Sense, John Napolitano welcomes Bill Clement, Managing Partner at South Coast Financial Partners, for a candid, in-depth conve...

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 ar...

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 scram...

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...

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 reall...

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.