Making Cents: Two Reasons To Update Your Estate Plan

By: John P. Napolitano, CFP®, CPA, PFS, MST

For many, updating their estate plan is one of the last things on their mind. Yet when a friend passes suddenly or you hear a horror story of an unplanned estate gone awry, the idea flashes. If you don’t care about the following two issues, then go ahead, ignore making any updates and the lawyers and taxing authorities may be your beneficiaries.

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Making Cents: Expanding Your Annual Financial Check Up

By: John P. Napolitano, CFP®, CPA, PFS, MST

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 year. These are all good practices, but this year I’m going to ask you to expand the scope of your year-end ritual to include other important matters that are commonly ignored.

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Making Cents: Protecting Your Valuables

By: John P. Napolitano, CFP®, CPA, PFS, MST

 

When it comes to insurance, most people look for ways to keep their premiums as low as possible. But the smart money looks to pay as little as possible for the best coverage they can find. The best coverage is hardly the cheapest, but it often provides more protection. It could be more protection as in higher limits for losses or lower deductibles, replacement cost coverage versus depreciated value coverage or no excess liability coverage versus $5 million of coverage.

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Making Cents: Divorce and Money

By: John P. Napolitano, CFP®, CPA, PFS, MST

It’s no secret that many couples end up airing their grievances in court. About 50% of our married population ends up in divorce. Rarely looked back on with fond memories, the battling and legal costs associated with divorce brings anguish. Almost as rare is a financial planning discussion about the financial consequences of divorce before the final decree is agreed to by all parties.

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Learning to speak “Constructionese”

By: John P. Napolitano, CFP®, CPA, PFS, MST

As we all know, this economy is still pretty hot.  And when it comes to real estate, most markets are still smoking hot. For sale signs are going into the ground just because sellers can’t seem to refuse the high prices that buyers are willing to pay.  This feeding frenzy is particularly active in the first time buyers’ price point, highly desirable locations near train stations or the ocean.

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Making Cents: Half Time for 2018

By: John P. Napolitano, CFP®, CPA, PFS, MST

This month officially begins the second half of 2018.  Yes, time does fly, and the second half frequently passes faster than the first. It is often beaches, barbeques and rejuvenation times that dominate the summer months, and that is a good thing. But just like you don’t stop your workouts, or other routines, don’t stop paying attention to your personal finances. 

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