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Money Matters airs October 5, 2017 Noon Read below


Money Matters airs tomorrow at noon, PST on KVMR FM and all related stations.

October 5, 2017

Fall Line up starts with 2 great interviews


Interviews with AirMedCare, the life flight folks, their helicopter service and insurance program. Then hear Pride Industries discuss their great service to give employment to those with handicaps. Great topics and great guest so tune in.


Interested in discussing your portfolio, our new strategies and more? Email or call me for an appointment- (530) 559-1214 or




I have been wanting to do an economic piece about people with disabilities for some time now and with the month of October being National Disability Employment Awareness Month (NDEAM), I couldn’t think of a more fitting opportunity to bring to light an incredible story about a local entity I discovered here in my home town of Grass Valley.


A recent conversation with a friend led me to PRIDE Industries, a multi-state, non-profit social enterprise that assists people with disabilities find employment. 


Originally founded in 1966 by a group of parents in Auburn, California, its initial focus was to find meaningful employment for their adult children with disabilities. PRIDE has offices in 14 states and in Washington DC and is still growing. With one in every five Americans having a disability, the need for such an entity is more than obvious. People with disabilities want to contribute, yet finding gainful employment can be challenging. PRIDE Industries opens a whole new world of possibilities for people with disabilities while serving the needs of businesses and the community in the process.


PRIDE’s main goal is employment, its mission is “To create jobs for people with disabilities.”  It accomplishes this in a win-win scenario synergistically with the community, government and the many companies they serve.


The PRIDE formula is a simple one: hire people with disabilities and give them jobs that complements their skill sets. From simple assembly to more complex employment, PRIDE matches the specific job to the employee.  Since the requirements of business can be complex and varied, a workforce of people with different skillsets fits nicely into whatever job may be required.


On the day of my visit to our local PRIDE location, I witnessed workers doing different jobs of all levels of complexity including the simplest of assembly and packaging to the more complicated job of accurately shipping product to multiple locations for a national retailer. 


The many supervisors present maintained a safe environment for the employees while insuring the highest level of quality control. From shipping umbrellas manufactured by a well-known national retailer to assembling medical test kits for a local company with products from Finland, the scope of customers and products was impressive.


The organization is truly an example of everybody wins. People with disabilities have an opportunity to learn new skills and hold employment they might otherwise not be able to. By earning their own paychecks, the assistance from public programs is minimized, their self-esteem is boosted and they get much needed mental stimulation. Their families and loved ones have time for themselves while their family members with disabilities are supervised by a loving and experienced staff at PRIDE.


The businesses they serve benefit by finding employees who are more than happy to perform jobs that others might find mundane all while maintaining the highest of quality due to the amount of supervision that PRIDE provides along each step of the process.


PRIDE’s outreach program places higher functioning adults in off-site employment and guides both the employee and employer through every step of the process. Job development, coaching, training and placement are an ongoing function of the organization. The Supported Employment Program provides additional training to help overcome barriers to employment in the community at large.


Although PRIDE focuses on employment, many offices go a step further. Some offer adult day services where people with more severe disabilities can have a safe yet entertaining place to go. Arts, crafts, games and daily outside excursions maintain a semblance of normalcy for those that otherwise may not experience such things due to their disability.


Outreach programs for self- sufficiency, improvement and education include the Independent Living Services programs which maintains an army of staff to navigate the community and make connections in a variety of capabilities and functions. Their goal is to enable an independent lifestyle for those that can, yet still have a resource to fall back on should the need arise.


With 51 years of experience under its belt in merging people with disabilities to employment of all kinds, PRIDE enables adults with disabilities to reach their full potential while providing the resources for businesses to bring their products and services to the marketplace. This is truly a win-win scenario for all parties involved with PRIDE Industries performing an invaluable service to the community.


You may view a video on PRIDE Industries here:  (

The local Nevada County Pride office is located at 12451 Loma Rica Drive in Grass Valley.

Their phone number is (530) 477-1832




It is time again for Turkey Matters. Please help me feed the poor and low income families in our county by helping me buy turkeys for their holiday meals. It’s simple to do.

Mail in a check made out to the food bank of your choice. Our local one is the Food Bank of Nevada County but any food bank will do if you prefer another. Mail it to:

120 Bridge St

Nevada City, Ca 95959


I will match a portion of your funds and mail in your check AND mine. In this way your money goes much farther and we feed MORE families. That’s all there is to it! My maximum donation amount will be $5,000.00 (I have kids to put through school!) but please help me reach this goal!


Your turkey will taste a lot better knowing you helped feed hundreds of others for Thanksgiving and Christmas and those celebrating other religious holidays around this time of year.


Thank you from the bottom of my heart and from the many people that will benefit from this program.



Thanks to all who came out to the Celtic Fair, said hi and had a great time. Sillyness and great music. It was fun and I saw a lot of fans of Money Matters. Yes, I know it is silly to see your financial guy all dressed up in silly gear but it is for a good cause- KVMR FM Community Radio so cut me some slack!

Interested in having me set up a financial plan for you and your family? Email me or call (530) 559-1214




What we do:

Marc is an Investment Advisor Representative. Full service financial services, retirement planning, portfolio management and more are now available with the portfolio management overseen by Marc himself. 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.


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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 and with Marc's help select those that address your unique situation.


Products and services include:

Complete portfolio management

Stocks & Bonds

Complete portfolio management

Mutual funds

Exchange Traded Funds (ETF)

Alternative Investments

  • Real Estate Investment Trusts (REITs)
  • Oil & Gas programs
  • Master Limited Partnerships

Certificates of Deposit (CD)

Individual and Group Retirement plans

  • 401(k)
  • SEP
  • IRA

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

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

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)

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 click here and contact Marc directly to schedule a no obligation phone call or meeting:


Email:  Phone (530) 823-2792 (Please use only this email for all communications to Mr. Cuniberti. Do not use any email addresses given on any shows or other material except


This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at MKB Financial Services 164 Maple St #1, Auburn, CA 95603 (530) 823-2792. 

Discussions on any radio show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon when coordinated with individual professional advice.

Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.  MKB Financial Services, Inc. and the Cambridge Investment Group companies are not affiliated.  CA Insurance License #OL34249