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.
For disclosures, visit napierfinancial.com
12. What Every Founder Needs to Know Before Passing the Torch With Mark Henry
Mark Henry, Citrin Cooperman partner, explores with host John Napolitano the critical elements founders must consider before business succession, including communication and governance, in this interview.
18 Jul 2025
11. How Cost Segregation Works for Real Estate with Ryan Foley
Ryan Foley explains to John Napolitano how real estate owners can leverage cost segregation to reduce taxes and free up capital, optimizing their financial and legacy strategy in this interview.
4 Jul 2025
10. Tax Implications of Selling a Business with Nichol Chiarella
Nichol Chiarella, head of Mergers & Acquisitions Tax Practice at Citrin Cooperman, discusses tax implications of selling a business with John Napolitano, highlighting strategic tax planning and common mistakes to maximize after-tax proceeds in this interview.
20 Jun 2025
09. Bitcoin Yay or Nay? Talking to a Leading Miner with Bob Burnett
CEO Bob Burnett elucidates Bitcoin's function as a store of value and its potential to redefine money, as John Napolitano interviews him about understanding Bitcoin beyond speculation.
13 Jun 2025
08. The Exit Blueprint for Selling Your Business with Alex Weiss CFP®
Financial advisor Alex Weiss CFP® discusses with John Napolitano the crucial steps business owners take to prepare for a successful business sale, including financial clean-up and team alignment, in this interview.
6 Jun 2025
07. How to Franchise Your Business with Rick Morgin
Rick Morgin discusses with John Napolitano how high-performing small businesses can leverage franchising to scale, build legal infrastructure, and create national marketing networks in this interview.
23 May 2025
06. What Happens After Your Advisor Retires? with Michael Gordon
Michael Gordon interviews John Napolitano about building a multi-generational RIA, revealing succession planning insights for advisors and clients to secure their financial future and business legacy.
16 May 2025
05. Why Every Business Owner Needs a Valuation Even If You're Not Selling with Bill Clement
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 conversation on business valuations.
Together, they unpack why every high-net-worth business owner needs to think beyond the day-to-day and start viewing valuation as a strategic tool—not just a number on paper.
You’ll learn:
Why knowing your business’s value matters well before you’re ready to sell—or even think about it
How equity compensation plans work, and why they’re a powerful lever for attracting talent when cash is tight
The difference between strategic and financial buyers—and how that difference can significantly impact your sale price
How to align your valuation with your long-term goals and avoid common mistakes that could cost you down the line
Whether you're planning ahead or just getting curious, this episode will help you see your business through a new lens—and make smarter decisions because of it.
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/
9 May 2025
04. Protecting Wealth from Cyber Threats in a Digital World with Mark Hurley
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
5 May 2025
03. Why High-Net-Worth Families Need Proactive Tax Planning with Bill Clement
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
Highlight 1
Highlight 2
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/
28 Apr 2025
02. Integrating Real Estate Into Financial Plans with Alex Weiss CFP®
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/
21 Apr 2025
01. The Hidden Cost of Poor Financial Planning: Why Integration Matters with Thomas Schulte CFP®
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/
12 Mar 2025
Trailer: Welcome to Making Cents
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.
Who has been a guest on Making Cents
Names identified in recent episode analyses. Showing up to five guests.
Mark Henry
Ryan Foley
Nichol Chiarella
Bob Burnett
Alex Weiss CFP®
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
136,079
Score snapshot 15 Sept 2025
Apple Podcasts (US)
5.0 / 5
2 ratings
Podcast Authority Score: 34 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
21
Social presence
0
YouTube
86
Engagement
32
Host of Making Cents?
Claim your podcast to manage its listing and keep your show details accurate.
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show Podcast research with Pod Engine
