Latest Newsletter:

Sustainable Green Portfolio- Update June 4, 2018

Hi kids,

Take a look at the new fund I made for sustainable and green investing! Call me but to read about some ideas I have for it, read below!

(530) 559-1214

 

Investing in solar can be done actually in two ways. You can buy or rent a system to provide power to your workplace or abode or add the stocks of solar companies to your investment portfolio. Adding a solar system will help lower both your electric bill and the carbon emissions in our environment.

I actually installed a system on my home about 3 years ago using the lease system program.  I paid nothing for the equipment and now just pay a flat fee to the solar company for each Kilowatt it generates. The price I pay is a lot lower than the upper tiers of charges that PG&E bangs me for so it’s a win-win for myself and the company that put my system in. I also pay no maintenance fees and if it breaks they fix it at their expense. Pretty neat deal if I do say so myself.

Although solar stocks have gone up and down and down and up with no real clues as to where they might go next, and with a spotty history of success as to returning investor dollars with any positive returns, the latest statistics might point to a change of direction in the future for those throwing their hard earned investment dollars in the suns direction. California ranks number five in the world geographies in solar capacity. Not too surprising given the number of tree huggers living in the state, as well as having lots of sunshine and also being geographically ginormous. The statistic certainly adds an even an brighter light to an already sunny state.

Adding even more fuel to the solar fire (pun intended) is the latest ruling from the California Energy Commission which mandated all newly constructed homes have solar panels. There are of course hooks, crooks and stipulations surrounding the new regulation but in a nutshell the amount of solar powered homes is expected to jump six-fold by the year 2020. Putting that in real numbers, today about 15,000 new homes and 135,000 occupied homes are fitted each annually. Those numbers jump to an estimated 100,000 new systems and overall about 235,000 in total.

Of course, few things come without a cost and new home owners will pony up an additional ten grand or more to comply with the mandate. The homebuilders meanwhile aren’t too wild about having to raise prices to the home buying public, especially sensitive to the latest figures just out on the number of homes being sold coupled with interest rates on the rise. All this likely spells more difficulty for the homebuilders and it remains to be seen just how these companies will cope with the challenges. Of course there is cheering and jeering on from both sides of the room once again as governmental mandates which alter costs and charges to consumers and companies always manage to stir the pot of debate and this latest regulation is no exception.

No doubt the environmental advocates will cheer on the regulation as a victory for their side while the free market proponents will tout this is just another example of government interference and meddling all the while adding to the ever rising cost of living for the average Joe, not to mention the loss of jobs in the homebuilding industry should sales slow because of it.

No matter where you stand on the issue, no doubt there will be more solar systems sold and that means the companies that make all things solar may reap the rewards. That being said, investing is never that easy, and be aware that the news is already public and that means it could already be baked into the proverbial cake of stock prices. Additionally the history of solar upstarts is littered with dead bodies and one only needs to look at the last time government dipped its hands into solar when the Obama administration in early 2009  loaned Solyndra 535 million of stimulus money only to see those funds disappear down the rat hole of a bankruptcy filing.

Opps…..

More often they many care to admit, where the government goes, private business often follows in straitjackets meaning central planning and private enterprise usually don’t mix well. Investors should heed the not so obvious caveats and use more than due diligence before following the governments lead into solar with their investing dollars.


 

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.

 

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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.

   

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