Latest Newsletter:

Update January 11, 2017



Special Announcement:

The FOOD BANK OF NEVADA COUNTY is now taking applications for a new executive director to manage all our operations at the facility. Please see our website a for applications and job description or contact me direct.



Next Money Matters airs January 19, 2017  Noon PST

Tune in to hear about our markets!


Marc's Notes:

Hi kids! Welcome to 2017! All shows on the website at no cost. Check it out! Posting my latest show right now #244. Pay close attention to the above job availability. We need a new director so if you or someone you know would like to submit an application, go to the website listed above.

Looking forward to a great 2017 in the markets. Contact me for a no-cost sit down to revue your holdings and strategies. (530) 559- 1214 or email me at Long term care, life insurance, estate protection and income and growth annuities also available. New strategies abound. Read about all of it below!




Losses and negative balances when they occur can be an unwelcome aspect of investing but they can actually tell us a lot about what kind of strategies are being used and whether they are appropriate for a particular investor’s situation.

In my humble opinion, the words of famous investor Warren Buffet apply first and foremost:

“Rule No. 1: never lose money; rule No. 2: don’t forget rule No. 1”.

Investors would be prudent to heed such advice. Limiting losses when the market moves against you is more important than how much you make in up markets.

Looking at the percentage amount of your losses in down markets may be an indication of how much at risk your portfolio might be. On the flip side, how much you make in up markets can also help indicate the level of risk.

Suppose an investor sees a general market increase of 50% and his portfolio moves up by the same amount or even exceeds the percentage and gains even more. The investor is thrilled and perceives the strategy a sound one and that he or his advisor is a genius.

Standing back and analyzing that result with more thought however may yield a different opinion.

If the portfolio rises in lockstep with the market, it could also fall in lockstep. In our example, a 50% gain may feel great, but if the market falls 50%, would a 50% loss in your portfolio feel as good?
Probably not. Most investors I know would not tolerate such a setback.  A 50% loss is a gigantic hole to dig out of. To recover from such a loss would then require the market to double from the lower level due to the math involved just to break even. Many investors might think the market only has to recover 50% from such a loss but a rise of 50% gain from the lower level would still yield a 25% loss.

A portfolio that moves up in lockstep with the market may mean you are over exposed for your level of comfort should the market move against you.

A more conservative approach may mean you make less in up markets but you also won’t be subject to violating rule No. 1 as badly.

Think back to the markets of 2009. Many investors took losses in the double digits and some lost significant amounts and still haven’t recovered. Had the losses been limited to single digits however, recovery is much quicker and a lot less stressful.

If you are seeing huge profits in your portfolio in up markets that may indicate a level of exposure you may not be comfortable with once the markets move against you. Generally speaking, a more conservative approach will mean you won’t make as much when markets run, but it also means you won’t lose as much if markets fall.

Portfolios that don’t move much may not seem as exciting or rewarding as your neighbors portfolio at times, but it may mean you will sleep a lot better than he will if the tide of markets rush out unexpectedly.

Portfolios that grow slowly over time but keep losses at a minimum when they inevitably occur, could help to keep rule No.1 at bay.

Heavy concentrations in stocks to gather fast gains may be enticing but there was a reason the tortoise beat the hare. Slow and steady may be the order of the day when it comes to long term investing and living within your risk tolerance level.


Approved 187029

Alternative Strategies to traditional stock market holdings.

Investors come to the stock market to hedge against inflation and living expenses and often say to me they just cannot get any decent returns in the market. Others wince if balances move against them, some no matter slight the balances may drop. It is common for portfolio balances to rise and fall somewhat in concert with the general market but how much they move depends on what kind of assets one holds.

Holding all stocks will likely move the portfolio up significantly in fast uptrends yet drop them just as fast in down markets. One only has to look at portfolio balances in 2008/09 to witness just how much damage can be done. Having stop loss targets which sell out a position at a certain point are prudent to prevent small losses from becoming big ones however could also cause you to lose any gains should the position share price increase after the sell.

Moving some positions to fixed income baskets such as debt instruments (bonds and other types of fixed income investments) and areas which are defensive or traditionally less volatile (in advisor terms having a lower beta) can help smooth out violent moves and provide income or payments to the portfolio to help offset losses. Which of these to hold is the key to a successful strategy as one cannot blindly buy just anything in a certain area.

Holding large amounts of cash or cash equivalents can also help keep movements to a minimum and give one dry powder to spend when prices get lower. Taking profits when they exist can help as well. Nothing can feel worse than having a huge profit only to watch is go away as a security rises then falls back down.

A successful strategy might be to attempt to limit participation in down markets yet get onboard with the uptrends. How one does this and when movements are made is where the proverbial rubber meets the road in money management.

Looking at losses can be indicative as to whether one is utilizing sound strategies. In down markets were your losses significant or limited to a few percentage points? During extreme market routs such as 2008/09 did you lose 5% or did it get ugly with 30% losses or more?

Investor should realize that losses are a part of investing and if one cannot stomach seeing a negative number, bank accounts are the next option as well as U.S. guaranteed debt. These and similar holdings won’t lose value but they likely won’t gain much either and if inflation rages you will likely lose a significant amount of purchasing power. Other strategies that encompass market participation but guarantee no loss of principal are also available but terms and conditions must be understood before investing and early surrender charges may apply to some of these products.

Keeping with a sound semi- conservative strategy may limit upside movement somewhat when compared to the general market but will likely not hurt as much in market sell offs.

In may be wise to abstain from comparing your portfolio to general market movements as a more conservative approach may not move lockstep with the markets. If your portfolio is gaining as much as the underlying indexes, although that feels good in up markets, it could mean you are over exposed in down ones. We will discuss some options to traditional investing techniques in our next edition of Money Matters.



Have you given lately? Many of you did during my Turkey Matters food drive and thank you. Giving and supporting our community is so important. It helps others in need AND helps you feel better about yourself. There are many excuses we can give to avoid giving. Perhaps we throw a dime in the Salvation Army bucket or give a dollar to a homeless person. Although that helps alot, many can afford to give more. Search your soul and ask yourself if what you gave is indicative of what you spend on yourself. You are probably not hungry or cold but many are. Is that new coat or pair of shoes all that important when we have hungry people wandering our streets? Could you give a little more?  Here is a local realtor that saw the need and used her FB account to donate one dollar for every "like" she got. It amounted to over $400.00 without costing anyone who pressed the "like" button a dime. She just paid it herself. A big thank you to Deborah Guelinas and Teresia Renwick of RF/MAX Realty for helping. Her dollars went into our feed the kids program. Thank you!    



Me, Teresia, Deborah, Toni Thompson (Director)  and Bob Dion (Warehouse) 


Contact me if you would like to help in any way you can.


Until next time and Jambo!





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.

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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.

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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


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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