Napier Financial

Napier Financial, LLC serves individuals (including high‑net‑worth clients), foundations, trusts, estates, corporations and retirement plan sponsors, offering discretionary investment management, financial planning, retirement plan advisory, family office and trustee services, and consulting. The firm manages accounts on a discretionary basis and also supports sub‑advisory arrangements and program accounts through LPL’s Strategic Wealth Management platform when appropriate.

Napier employs a macro‑economic, top‑down asset allocation approach and implements customized portfolios across mutual funds, ETFs, individual equities, fixed income, structured products, alternative investments and private placements, with periodic rebalancing and manager selection as needed. The firm discloses that it may purchase structured products on a discretionary basis without prior client notice and recommends private funds and other non‑liquid alternatives to qualifying clients following suitability reviews.

A notable distinction is that affiliated entities — GenWel Capital, LLC and GenWel Capital 2, LLC — act as investment managers and sponsors of real‑estate private funds, and Napier may allocate those pooled private opportunities to clients and certain qualified non‑clients with pre‑existing relationships; these affiliates may receive performance allocations. Napier’s combination of fund‑sponsor activity, family office and trustee services, and ERISA plan advisory capabilities represents a broader service mix than is typical for many firms of its size.