Napier Financial

The next generation of advisors will be taught to prioritize one of two things:

➡️ How to serve clients across their entire financial plan

Or

➡️ How to pitch and retain clients

Napier offers an integrated approach to financial planning for high-net-worth families.

Our collaborative platform and planning philosophy are among the factors that attract advisors to our team.

Should high-income families in the top tax bracket still be considering Roth IRAs?

Bill Clement CPA®, Managing Partner of Southcoast Financial Partners, recently shared his perspective on what ultra-high-net-worth families often do with Roth IRAs that many high income households may be surprised to learn.

It’s not a universal strategy, but a few of the key benefits of still leveraging after-tax Roth IRAs might include:

✅ Long-term growth is tax-free
✅ RMDs are not taxed for the next generation
✅ Because Roth accounts can be used multi-generationally, they can be invested with more aggressive allocations and longer time horizons without threatening the current generation’s needs