Latest Newsletter:

There is oppurtunity in this market. Read update January 19, 2019

 

There is oppurtunity in this market

Shout it from the rooftops!

Call me to find out what I am so excited about!

 

246006

 

Money Matters fans,

Those of us looking at the markets for a living have seen happier holidays. That being said there is some good news in all of this. With declining stock prices comes opportunity. Although portfolio balances have likely decreased with even profits minimized or negative, we have a chance when the market bottoms to lock in some great yields on solid companies. Companies that are the bedrock of the American economy. Names that have been around for decades, some over a century and I am excited about what this means for investors.

 

Many of these great companies pay dividends which are scheduled payments to stock holders every so often, usually every quarter. Since dividends are listed as a dollar amount, when the price of a stock drops its yield on your investment goes up. Many of them have increased dividends for decades and paid them for as long.

 

For instance, if stock "ABC” Company  (fictional) says it will pay one dollar a share annually and the price last month was $10, your annual yield would be 10%.  Now along comes our nasty correction over the last few months and stock of ABC drops to $8 which is a 20% drop in price and many stocks in this recent setback have seen this percentage drop.

 

If the company pays the dividend as scheduled, you spend $8 a share buying it and then get the buck in dividends.  That payout equals 12.5%.

 

Bingo- the stock got hammered but buyers at the new level of 8 bucks get a much higher return than buyers before the crash.

 

With the markets suffering the worst December since 1929 (CNBC) and from the article below note the quote: “About 38% of companies on NYSE, Nasdaq trade at 52-week lows. Only eight days since 1984 saw more stocks hitting new bottoms. The worse December since 1929”.

 

We now have a unique opportunity unfolding. Remember when bad things happen, opportunities can arise and right now I see a tremendous potential opportunity being given to us with this market rout.

 

Yes your balances may have been hit, and yes it may look somewhat bleak right now, but when I get the chance to pick up great companies at bargain prices paying nice dividends which were higher before this seasons market set back, I take a hard look at altering strategies to take advantage of this opportunity.
 

The S&P 500 sat at 2929.00 on 9/17/2018 and closed at 2351.00 12/24/2018 which is 19.8% decrease. That said, the window is opening wider every down day and I cannot ignore it. That means if we pick up some of these great US stalwart companies that make up some of the best regarded companies in the country at beat up levels, we can possibly lock in great dividends and also have the possibility of a recovery lifting the prices of these stocks as well.  Historically when the markets fall hard and fast, the pendulum effect sometimes comes into play in a big way. In 2009 the Dow sat at 6,626 and in about 8 years skyrocketed to 26,828. That is a 404% increase. Add dividends to that and you imagine the results for those grabbing stocks at the bleakest of times that pay dividends.
 

What is the opportunity now?

 

While most investors and advisors might be seeing darkness and lots of red, I see opportunity. I was always a fan of dividend paying stocks of great companies, and now I am super concentrated on this strategy again. Great opportunities in life don't happen every day, but when they do, you have to sit up and take notice, have vision, and while the blood runs in the streets, look toward the sky and find the hidden opportunities. This is my thinking today.

 

Who wouldn’t want to own a basket of solid companies with the possibilities of some great dividends, with higher yields because of beat up prices?

 

And even if the market goes lower, our possible yields will only go up from there. In a weird way, we can hope the market goes even lower!  Strange how things can be perceived.


 

Welcome

 

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.

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 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
  • SIMPLE
  • 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: mcuniberti@cambridgesecure.com.  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 mcuniberti@cambridgesecure.com).

 

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 SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 559-1214. 

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.  SMC Wealth Management and the Cambridge Investment Group companies are not affiliated.  CA Insurance License #OL34249