Latest Newsletter:

Annuity or Anomally Update April 26 2025

 

With no downside possible, but participating in up markets, certain annuities can allow you to relax knowing market upsets won't hurt your balances.

 

 

 

I published a newsletter last week detailing how it may be possible to garner double digit returns and/or a steady income stream for life even if you end up collecting more than you put in. With the markets continuing to erode, people are getting worried and rightly so.

With concerns about keeping up with inflation, running out of money or losing a good portion of your retirement funds in a market crash, the search is on for viable and realistic alternatives.

There are strategies an investor can consider instead of just buying stocks and hoping they go up. 

Annuities are popular with some. While some analysts and advisors bad mouth anything that even resembles an annuity, the truth is most of us may already be participating in an annuity unknowingly.

 

From the Oxford dictionary, an annuity is described as: “a fixed sum of money paid to someone each year, typically for the rest of their life and/or a form of insurance or investment entitling the investor to a series of annual sums”.

 

Basically you give an entity money and they pay you back in payments over a specific period of time. I consider pension plans to be an annuity like mechanism as well as social security. Whole life insurance policies may also resemble annuities.

 

In all of these programs, an investor has paid money to some entity and that entity has promised to pay something back to you later.

 

In the case of social security, that entity is the U.S. Social Security program. In pension plans, like CalPERS, CalSTRS or a corporate pension plans, the entity may be a company or entity you worked for or are associated with.

 

I find it a bit humorous that annuities are looked down upon when even those that steer investors away from them may participate in an annuity like retirement plan themselves.

 

Truth be told, annuities can be complicated and in my opinion, have to be looked at very carefully before investing in one. I look at literally hundreds of types of annuities and most of them are, in my opinion, have too many unknowns. The contracts are lengthy and, even to me, be confusing and unclear.

 

That said, there are a few I find that are simple and easy to explain and can be fully understood by the client.

 

Many can offer upside market participation yet will avoid any reduction in principal if the market crashes. Some offer lifetime income that can pay out more than you put in and others may offer a return higher than the market in certain circumstances.

 

When I first meet with investors, some tell me “I want to make money but don’t want to lose any”.

 

Although this statement may sound silly, when I hear it, I immediately think of a particular annuity that may do exactly that. Enable the investor to participate in up markets but avoid the downside.

 

Many Americans may already unknowingly understand how an annuity operates if they think of any social security, pension or retirement plan that they may already participate in. Although annuities are none of the above, conceptualizing how the above programs pay out may help an investor better understand the annuity concept.

 

 

Disclaimer: Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer and are not guaranteed by any bank or credit union and are not insured by the FDIC or any other federal government agency. Surrender or early withdrawal charges may apply to during the surrender period. Rates may be subject to change during the life of the contract. Annuities may or may not be suitable for all investors. Please review the prospectus carefully and consult your financial and tax professional before investing. This article expresses the opinion of Marc Cuniberti and is not meant as investment advice, or a recommendation to buy or sell any securities, nor represents the opinion of any bank, investment firm or RIA, nor this media outlet, its staff, members or underwriters. Mr. Cuniberti holds a B.A. in Economics with honors, 1979, and California Insurance License #0L34249 His insurance agency is BAP INC. insurance services.  Email: news@moneymanagementradio.com

 


 

Welcome

What we do:

Marc is an experienced economic professional. For financial services click here: https://www.vantageauburn.com/marc-s-services

Moneymanagementradio.com 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.

   

Services

There are many financial products in the market, and 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.  Speak with Marc directly. It is that easy. 

Marc Cuniberti (530)559-1214

 

Market Analyst and Commentator

Small Business Consultant and Mentoring

Economic Advanced Studies and Honors Graduate SDSU in Economics

Radio Talk Show Host

Financial Columnist 

California Insurance Agent and Medicare Approved Agent 

 

Click the Link below for more information:

Link to services here: https://www.vantageauburn.com/marc-s-services

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

A Word about Life insurance:

In the event of death, life insurance may offer surviving family members 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

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

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.

Questions about Medicare? 

I can help navigage the programs.

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

  • May assist in transfer of assets. 
  • Help loved ones 
  • 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.

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 (Marc) Cuniberti- California Department of Insurance License # OL34249

 

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

 

Email: mcuniberti@vantageauburn.com

(530)559-1214

Link for services here: https://www.vantageauburn.com/marc-s-services

 

 

This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results.

Insurance Solutions offered by Marc Cuniberti and not affliated with Vantage Financial Group.