Latest Newsletter:

Watch out for possible market correction here Update Jan 17 2021






There is an old saying in the investing world: “buy the rumor, sell the news”.

This, like all other quips in the world of stocks, is by no means a precursor to what will happen, only what might happen. This saying refers to the possibility that a stock will rise in price as a rumor hits the mill, only to fall when the rumor becomes fact.

For example. Imagine a smart phone manufacture who is rumored to have a blowout quarter in an upcoming earning season. The stock might increase as the rumor makes its way around Wall Street and public media. Then when the company posts earnings, it is indeed a blowout quarter. Surprising many an investor however, the stock sells off on the news.

This would be a classic example of “buy the rumor, sell the news”. It doesn’t always happen where good news is sold off, but it has happened more often than one would think.

We can take this occurrence and extrapolate it to the general market. The question now becomes can the current market rally, which has brought it above 30,000 on the Dow for the first time ever, continue to set even higher highs?

It is no surprise the markets new high flies in the face of current economic conditions. Indeed, the economy, because of the CoVid shutdowns, has seldom been in worse shape. Meanwhile, since the third week of March, the markets have recorded historic gains, to rise from Dow low of 18,213 to over 30,000.

The markets obviously were not looking at what was.

What was, was an economy shuttered by CoVid.

Instead, it could be argued, the markets meteoric rise was because investors were likely looking at what will be.  

What the market was looking forward to was a vaccine, humongous Fed spending, and an eventual reopening of the world’s economies. From week to week and from month to month, since the current environment was so bad, the hopes of a world reopening and what that would bring, was enough to push the markets ever higher. Its almost as if times were so bleak, the imagination of investors kept the registers ringing on Wall Street, and therefore, kept the stock market rising.

Fast forward to today, and we could be looking at an extremely overstretched market, which some argue is historically overbought on many levels.  At this time, it might be time to ask, what more good news could come out?

The vaccine it here and the Fed has spent trillions. Reopening is happening and the vaccine is making its way around the globe. It is only a matter of time before the world resumes at least some sense of normalcy.

That said, as of now, I can only see one more piece of good news in our future and the rumor of that is already out. One more round of stimulus from the Biden administration is in the works, and we already know it is.

What this means, at least to this analyst, is that the good news, possibly all of it, is already baked into the proverbial cake. The market could be said to be as high as the good news warrants, and has nothing to look forward to.

In my opinion, with a market that has risen close 60% off its lows in a mere 9 months, it is time for caution. If portfolios reflect market gains, then profits could be substantial, and protecting such profits should now be the order of the day.

After all, it’s better to miss a market top, then ride a market back down in a severe correction.  

A perfect “buy the rumor, sell the news” event may be setting up with the announcement of the final stimulus program from Washington.

That said, another saying comes to mind right now, and that saying goes something like this: “Nobody ever went broke taking a profit”.

Ignore at your own peril.

This article expresses the opinion of Marc Cuniberti only and does not reflect the opinion of any news media or financial firm and is not meant as investment advice. Investing involves risk and you can lose money. No one can predict market movements at any time. Consult a financial professional before making any investment decisions. A full list of service from Mr. Cuniberti can be viewed at California Insurance Lic# 0L34249. Medicare agent and market analyst, Mr. Cuniberti graduated in 1979 with honors with a B.A. in Economics from SDSU. He can be reached at (530) 559-1214









What we do:

Marc is an experienced financial professional and fiduciary. Full service financial service information, retirement planning, and more are now available through direct consultation and discussion with Marc. offers contact information to speak with Marc one on one and learn about what we offer so keep reading!

Marc Cuniberti, award winning host of Money Matters and Money Management Radio, welcomes you to his updated website. Money Matters articles grace the pages of many newspapers and financial media. On this website, you can download any of his radio shows by subscribing on any website page. Sign up for his newsletter or learn about his opinions about the economic world around you by clicking around the site. Of course, the radio shows are the main reason the site is here, so look through the SHOW TITLES page to hear a variety of topics,one or more are certain to peek your interest and perhaps find a show(s) that apply to your particular interest or question. 

Download programs and listen at your convenience to his uncanny ability to forecast what's happening in the world and thier economies.

Just listen to the shows!

Marc has a unique ability to explain in the simplest of terms what's really going on in our markets and what everything means in language even the novice can understand. Don't be in dark any longer about investing, those stock market terms, or what it all means. Learn about money and you will be well on your way to improving your education about the world of money around you.

His shows are said to be addictive and once you hear one, you won't be able to stop listening. Although incredibly entertaining, riveting and even humorous, the real advantage to his analysis and commentary is that it MAKES SENSE!

Listen to a show and see what we mean. Economics and your money finally have a friend that can help you understand what's really going on around us.


 A limited amount of shows are now available and this website is now at no cost by simply signing up!


Sign up for this no cost website now. By signing up you can download all the shows you want, have access to all our material and keep up with the markets and the economic world around you.

Like many others, you will hear why “Money Matters” by Marc Cuniberti is the fastest growing economic show on radio.



There are many financial products in the market, and so choosing the ones that best meet an individual client’s needs can be complicated.  Informed decisions about the products in any portfolio are best made after an assessment of individual needs. After speaking with Marc, you are better informed when the time comes to choose from a comprehensive lineup of products and services the markets offer investors and with Marc's help you can select those that address your unique situation.


Information by contacting Marc will include:


Market analysis 

Company analysis

Economic Commentary and insight 


Link to services here:


Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.

I have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

  • Life
  • Long-term care
  • Fire Insurance
  • Auto
  • Business
  • Long Term Care
  • Liabilty
  • Event Liability
  • Annuities for income and growth

Life insurance

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

I can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.

Life insurance can play a vital role in your financial security plan - contact us today to find out how.


Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

I can help you choose the long-term care and disability insurance products that provide advantages like:

  • Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
  • Assist with paying fixed expenses for your business if you become disabled
  • Support the buy-out of a disabled partner’s share of a business

I can help you tailor your financial security plan so it protects your income through long-term care and disability insurance. Contact me today to find out how.


Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
  • The ability to provide a return of premium benefit (optional)
  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.


There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.


Mark Cuniberti- California Department of Insurance License # OL34249


Take a minute to contact Marc directly to schedule a no obligation phone call or meeting:




Link for services here:



This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results. Financial, business and retirement solutions and consultations. Insurance Solutions offered by Marc Cuniberti and not affliated with Vantage Financial Group.