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Money Matters airs July 6th, 2017 Noon PST



Kyle's flyer and photos with Congressman LaMalfa!

Old worn out decks? Protect your "investment"

Before and after- This deck ran under $300!

Kyle is ready for summer with Pre- calculus online and his refinishing deck work now scheduling!

Old decks made new, fences, painting, help around the property. My son Kyle, Food bank board member and community servant working his way to college! Get your work done and help this stellar 4.14 GPA student live his dream~  Call me now to schedule- He fills up fast!

Deck work at half the cost and he does great work. Email me for photos of before and after!



Money Matters airs Tuesday July 6th , noon, PST on KVMR FM and worldwide on

Approved  201088


Know why you hold an investment- clarity is everything~

Investors tell me they hold a variety of assets likes stocks, bonds and mutual funds to be diversified yet few can give me a specific reason for why they hold each investment. Somehow they believe holding a wide variety of assets is diversified, and while this is a true statement, the actual reason why this is true can be elusive.

Having clarity and focus in ones investing is tantamount to reaching financial goals. This means you have to be clear on why you own everything you own and how we reach that awareness is actually quite simple.

For instance, I own my shotgun not as an investment but for protection. I am investing in my safety and the safety of my family in case some bad guys arrive at my house late at night. I own my garden to give me food and own my car for mobility. I own my house for my family and I to inhabit yet many investors think of a house as place to accumulate retirement savings or invest for growth. While this might be true to some extent, during 2008/09 we discovered that perhaps that wasn’t such a good idea. Part of the reason for the housing bust was confusion on the part of investors on why we own our homes. Decades ago most people thought of home ownership as just that, a place to live. In the last decade however, the reason for owning a home morphed into an “investment” instead of a “necessity” and that’s where the trouble may have started.

The reason for holding money in a bank has also changed over the decades. When I was growing up, the banks paid me six percent interest on my savings.  My Dad told me to save my money in the bank for the interest payments much like he did.

Since banks now pay little interest, the reason for putting money in a savings account has changed.  Now we put our money in a bank for safety, not for interest. When investors complain to me they cannot make money in a savings account, I tell them that is not why we are there, at least it isn’t at this particular point in time. We have savings accounts and similar bank products for safety, not to make money. If we want to make money, we obviously must look elsewhere.

Many people hold stocks for growth. I do not. I hold stocks for their potential income as I usually don’t buy any stocks that don’t pay me money (dividends) to hold them. With the income they pay me, I may get the growth regardless of whether the market goes up or down. If the market does go up, I might do even better. If the market goes down, any payments I might receive takes some of the sting out. Keep in mind, dividends are not guaranteed and. having stocks that pay dividends does not ensure profit or protect against loss

Some investors might hold gold and silver coins in a bank safe deposit box for peace of mind against a possible currency collapse while others might hold gold stocks for speculation on the gold price.
Commodity funds may help guard against rising grocery bills while holding some Cd’s, Treasury bills or cash would tend to help preserve funds in a broad market sell off.  

I could pay off my home mortgage, I don’t.  I consider my mortgage as a way to help protect against inflation. (Inflation could allow me to pay off my mortgage with cheaper dollars) Others consider debt the devil’s own and avoid it all costs.

By detailing the reason you hold each asset, it may help clarify your portfolio goals and even cause you to perhaps alter its contents. Once you detail and carefully consider why you hold what you do, or at least ask the question, your investing plan might become that much clearer. The thought process of truly knowing why you place money where you do will go a long way in helping you reach your goals and allow you to better allocate your money where it may offer the maximum possible return, the possibility for growth and protection while providing clarity to your reasoning.


Now scheduling summer no cost consults. Email me for details. See where you stand and whether your money is ready for the upcoming market move!




Approved 200927

Investing in Community- Foster Families

Investing doesn’t always necessarily mean money. We can invest in many things. We can invest in our homes by keeping up with the maintenance, our bodies by eating healthy and exercising, our minds by education and in a host of other things that might need our attention and hence our “investment”.

Investing in the community around us is a very important investment that all of us in that community would likely benefit from and the very word community means people. Since our future members of our community will obviously inhabit and administer it, it makes sense to do everything we can to improve and insure the education, value, health and moral of these future stewards of our society.

We’ve all heard of foster parents and no doubt some of you reading this have either been a foster parent or been hosted by a foster family in your youth. It’s a vital service as not all home environments are conducive to providing a healthy and safe environment all the time. Whether it be because of general neglect, trouble with the law, domestic violence or other reasons, sometimes a child needs to leave the biological parents for a time to allow that home environment to get back to normal. Of course, sometimes the biological parents might never get it together or it may even take years, but in most cases the care provided by a foster family is only temporary.

The goal stated by our local foster agency Environmental Alternatives is for the family to provide a safe and nurturing environment. The families go through a screening process to protect the potential foster children and the once the child is placed, a weekly visit to the home is customary. Medical and dental is covered by Medi-Cal and a reimbursement stipend is provided to the foster family.

Children ages up to 18 years of age are looking for foster homes and there is even a need for providing homes to young adults from 18 to 21 years of age.

Environmental Alternatives office manager, Kitty Cannon says they are always looking for foster families as the need is ongoing. Many families host more than one child and since it is preferred siblings stay together, there is an obvious need for households who can accommodate multiple children.

Investing in our community can take many forms, and hosting a foster child or two is one way we can help. Not only do we help our future generation of adults start off from a healthier launching pad, the rewards that we receive may be more than we expect. I am told special relationships which may last a lifetime often develop and the feeling one can get from helping another human being can be a once in lifetime experience. I speak from experience. 19 years ago I became a mentor to a troubled teen through the Big Brothers program and we are still good friends to this day. Next month my “teen” will be 35 year old!

If you are interested in learning more about foster parenting here in Nevada or Placer County, you can contact Environmental Alternatives at (530) 273-7120. For those in other counties, check your local phone book or web browser.

This article expresses the opinions of Marc Cuniberti and our opinions only and should not be construed or acted upon as individual investment advice. 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. MKB Financial Services and Cambridge are not affiliated. His website is California Insurance License # OL34249




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

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


Long-term care and disability 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