Yearly Archives:2020

Organizing Your Financial Records

Provided by Mary Grace Musuneggi, CLU, ChFC, CFS, RFC

Somewhere between the paper squirrel, who saves everything “just in case,” and the purger, who tosses everything in the trash, is the organized person for whom keeping records is no big deal. Becoming that organized person is not simple, but taking the steps necessary to get your financial records under control is a task with many rewards – first and foremost, a good night’s sleep. 

Click the image to download the Organizing Your Financial Records article. 

Interview with Captain Justin Caldwell

This edition of Conversations with Christopher features an interview with Captain Justin Caldwell from The Salvation Army Pittsburgh Temple. In this video series, Christopher talks to Captain Caldwell about the Rescue Christmas campaign and what we can do as a community to assist the Salvation Army. Thank you for joining us Captain Caldwell! 

You can find the Salvation Army’s contact information at the end of the video, as well as on our Resources page.

Watch more videos on the Resources page or head over to our YouTube channel.

Interview with Jackie von Thun

This edition of Conversations with Christopher features an interview with Jackie von Thun from Realty ONE Group Gold Standard. In this video series, Christopher asks Jackie about being a realtor and what someone would need to know if they were to use her services. Thank you for joining us Jackie! 


 You can find her contact information at the end of the video, as well as on our Resources page.

Watch more videos on the Resources page or head over to our YouTube channel.

Interview with Jon Boris

Watch this edition of Conversations with Christopher features Jonathan Boris, President of IT Pittsburgh. Jon and Christopher discuss IT issues facing small businesses and the current need for secure, effective technology. Watch more videos on the Resources page


This video is also available on YouTube.

Social Security Myths Explained

Provided by Dunham Investments

There is plenty of confusion and misinformation when it comes to Social Security. This white paper, provided by Dunham Investments, sets the record straight on the most common myths and misconceptions about Social Security.

Click the image to download the Social Security Myths PDF

Interview with Jennifer Bibb Hisdorf

Watch this edition of Conversations with Christopher features Jennifer Bibb Hisdorf of WesBanco. Jennifer is an Assistant Vice President, Banking Center Manager at WesBanco providing a full range of banking services to help her customers reach their financial goals. She especially enjoys working with Women Owned Businesses. Watch more videos on the Resources page

This video is also available on YouTube.

Social Security: Options to Help Maximize Your Benefits

Watch the Social Security benefits webinar recorded on September 22, 2020. “Options to Help Maximize Your Benefits” features Christopher Musuneggi, CFS, RFC of The Musuneggi Financial Group. He covers key concepts including:

  • Social Security essentials
  • When to collect early… and when it may be best to wait
  • What provisional income means
  • How to navigate spousal, survivor, and former spousal benefits.

You can also watch the webinar on YouTube.


Contact us with your questions about Social Security or to have your situation reviewed.  

Medicare Benefits Webinar

Watch the medicare benefits webinar recorded on September 15, 2020. “The Basics of Medicare” features Connie Hasler and Mike Lauro of Health Benefit Options. They cover key topics regarding choices available with Medicare including:

  • What Medicare is and how to enroll
  • Parts of Medicare… breaking through the confusion
  • Do you have options within Medicare? Yes!
  • Medicare Supplement choices

You can also view the Medicare Benefits Webinar on YouTube.

Contact us with your questions about Medicare or to have your situation reviewed.  

A Guide To Investing in an Election Year: How to Survive the Uncertainty and Invest with Confidence

To get some perspective on what could or would happen in the upcoming election, click on the link below to see an excellent report by our friends at the Capital Group.



Will Political Changes Affect the Economy?

Provided by Mary Grace Musuneggi

With all of the storm and stress of the year 2020, you’d be forgiven if you momentarily forgot that we’re due for another national election in November. Many states will be selecting governors, representatives, and senators, while the country itself will be voting in the presidential election.

Even though these elections happen every four years, they often breed uncertainty or anxiety about the financial markets and other investment matters. Some of our personal political beliefs may be informed by our economic worldview. For that reason, it’s natural that presidential elections are seen as potential turning points for the economy.

It’s important to keep in mind that while the White House has enormous influence on economic policy, ambitious policies frequently find challenges in the legislative and judicial branches.

It’s also important to keep in mind that in the wake of COVID-19 there are other factors that can influence the financial markets.1

Also know that we are here to help you create a strategy, one that may run through several presidents and many sessions of Congress. Naturally, you may have questions about how these policies might affect things in the short term, and we look forward to a chance to discuss these with you.

To set a time to talk, please go to our online calendars or give Olivia a call at 412-341-2888 x0

And don’t forget that the most important thing you can do in an election year is Vote.

Mary Grace may be reached at 412-341-2888 or

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.


1., July 29, 2020

So the money keeps rolling in. Or not…

Preparing for the second half of Year 2020

By Mary Grace Musuneggi

“When the money keeps rolling in you don’t ask how”
                        – ”Evita” by Andrew Lloyd Webber

History teaches us that what goes up goes down.  What goes down goes up.  And when it comes to the stock market there are these two obvious truths.  It goes up.  In 1920 the Dow Jones Average hovered around 66.  Yes, that is the number:  66.  Today it has been hovering around 26,000.  Yes, that is 66 then to 26,000 now.  So, it goes up.

But to get to that “up” it has gone up and down and up and down and up and down over time.

For those who have held during downtimes, to wait for the uptimes, rewards await.  But for those who do not or cannot wait for the downs to go up, it is a scary and strange time.  Causing some to abandon their long-term strategies and jump out of the market.

Many financial planners compare this to a ride on a train.  When you ride over the hills and into the valleys, if you jump off, you end the trip abruptly and maybe dangerously.  You have not gone forward to the end of the trip.  Reminding clients to not jump off the train.

But more importantly, our belief is that for the short term, you may not want to be on the train at all.  But over the longer term years, you may want to take the ride on the train.

The most important thing is to have realistic expectations as to what your money can do for you.

Short term goals should be funded by short term investment.  Long term goals by long term investments.  Pretty simple stuff.  We call this “bucketing”.  No guarantees but a great strategy for dealing with short and long term events in the economy, the world, the markets and most importantly your own personal financial world.

To discuss your situation, contact us to schedule a call.