Tom Sunny, Financial Advisor & Planner, Sunny Financial Strategies LLC

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Schaumburg, IL
Tom Sunny, Financial Advisor & Planner, Sunny Financial Strategies LLC

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Financial Advisor offering investment advisory services through Eagle Strategies LLC, A RIA Firm. I am not licensed in all jurisdictions.

Our mission is to provide financial security and peace of mind through our insurance, annuity and investment products and services. Every decision we make, every action we take, has one overriding purpose: To be here when our clients need us. Please do not hesitate to reach out to me to help you fully analyze your needs and recommend appropriate solutions. In addition to a Financial Advisor offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser, I am an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. I am also a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency. Neither Sunny Financial Strategies LLC nor New York Life Insurance Company, or its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Sunny Financial Strategies LLC is not owned or operated by New York Life Insurance Company or its affiliates. Office Address:
475 North Martingale Road
Suite 1250
Schaumburg, IL 60173

Office Phone: 847-585-4931

Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success. Eagle Strategies LLC and NYLIFE Securities LLC are New York Life Companies. My California Insurance license number is 0M96825.

11/03/2026

The Roth IRA may be more flexible than you think.

Your contributions (not your earnings) can generally be withdrawn at any time without taxes or penalties. There's also a first-time homebuyer exception for up to $10,000 of earnings. Swipe for how it all works.

Keep in mind: money you take out stops growing for retirement, so flexibility comes with a trade-off.

Questions about Roth rules? Drop them below.

*Tax rules are complex and have conditions. Educational only. Not tax advice.*

11/02/2026

One number shows the big picture: what you own minus what you owe.

That's net worth. It can be negative early on, especially with student loans or a new mortgage, and that's common. What many people find useful is the trend over time, not the number on any single day.

Save this as a reminder to check yours once or twice a year.

*Hypothetical example. Educational only. Not individualized advice.*

10/30/2026

Cleaning out the filing cabinet? Read this before you shred anything.

The IRS generally points to 3 years for most records, but some situations call for 6 or 7 years, and a few call for keeping them indefinitely. Home and property records follow their own timeline.

Scanning paper records to a secure digital folder can help keep them organized.

*Source: IRS. State rules may differ. Educational only. Not tax or legal advice.*

This material includes a discussion of one or more tax-related topics. This tax-related discussion was prepared to assist in the promotion or marketing of the transactions or matters addressed in this material. It is not intended (and cannot be used by any taxpayer) for the purpose of avoiding any IRS penalties that may be imposed upon the taxpayer. Taxpayers should always seek and rely on the advice of their own independent tax professionals. Please understand that New York Life Insurance Company, its affiliates and subsidiaries, and agents and employees of any thereof, may not provide legal or tax advice to you.

10/30/2026

Your balance went up. Did your buying power go up with it?

The number on your statement is your *nominal* return. Your *real* return is what's left after inflation, and that's what shapes what your money can actually buy. Swipe for a simple example.

One more thing: inflation doesn't only touch investments. Savings, raises and fixed incomes feel it too.

Save this for the next time you open a statement. Did this change how you read yours? Tell us below.

*Educational only. Not individualized advice.*

10/29/2026

Saver A put in $24,000. Saver B put in $72,000. In our hypothetical, they ended up with nearly the same amount at 65.

The difference was time. With compounding, growth can build on growth, so earlier dollars may have more years to work. Swipe for the math, plus the Rule of 72 shortcut.

And yes, compounding works on debt too.

*Hypothetical examples assume a constant 6% return. Actual returns vary and are not guaranteed. Educational only.*

10/22/2026

Own an index fund? You may be more concentrated than you think.

Many popular index funds are weighted by company size, so the biggest companies take up the biggest slice. That isn't good or bad on its own, but it's worth knowing what you own. Swipe for a simple example.

If you hold several funds, check for overlap. Different fund names don't always mean different holdings.

Save this, then look up your fund's top 10 holdings. Most fund websites list them.

*Educational only. Diversification does not ensure a profit or protect against loss.*

10/22/2026

Starting in 2027, a new federal program may add up to $1,000 a year to eligible savers' retirement accounts.

It's called the Saver's Match, and it replaces the Saver's Credit. Swipe for how it works, who may qualify and how it's claimed.

The part many people will miss: it isn't automatic. It's claimed on your 2027 tax return, filed in 2028.

Know someone early in their career or working part-time? Send this their way.

*Rules are still being finalized and may change. Educational only. Not tax advice.*

10/07/2026

Retirement planning used to focus heavily on questions like: How much should I save? How should I invest? What happens if the market drops?

Today, there’s another variable worth considering: your career may change more than you expect.

AI, automation, changing industries, career pivots, and new skill requirements are making traditional career paths feel a lot less linear, especially for younger workers.

That doesn’t have to be a negative. It just means your financial plan can be built with **more flexibility from the beginning.**

That could include:

- Building a stronger emergency reserve

• Continuing to develop skills that can transfer between roles or industries

• Saving consistently outside of any one employer

• Planning for periods when income may temporarily change

• Keeping long-term retirement goals in sight even through career transitions

The goal isn’t to predict exactly what AI will do next.

It’s to build a financial foundation that gives you more options no matter how your career evolves. ☀️

Want to see how resilient your current plan is? Reach out to us to schedule a Brighter Future Blueprint® conversation.

10/06/2026

Working families may have new tax deductions worth knowing about. 💰

Under the One Big Beautiful Bill Act, eligible workers may be able to claim new federal deductions for qualified tips and overtime compensation.

For qualified tips, the deduction can be up to $25,000 annually.

For qualified overtime, the deduction can be up to $12,500 for individuals or $25,000 for married couples filing jointly — and generally applies to the overtime premium portion of eligible pay, not every dollar earned during overtime hours.

There are income limits, eligibility requirements, and reporting rules that determine who qualifies, so the details matter.

Tax planning isn’t just about what you earn. It’s also about understanding the opportunities available to you and making sure you’re not overlooking them.

This material is for informational purposes only and is based on an understanding of generally applicable rules. State laws will vary. Sunny Financial Strategies LLC, its agents, employees and affiliates do not provide tax, legal or accounting advice. For advice on such matters and before taking related planning action, consult your own professional counsel.

10/02/2026

Compound interest can be one of the most powerful parts of a long-term financial strategy, especially when time and consistency are on your side. ☀️

The idea is simple: your money has the potential to earn returns, and over time, those returns may begin generating returns of their own.

A few things to keep in mind:

- Starting earlier can give your money more time to compound
• Consistent contributions can add up over the years
• Even smaller amounts may become meaningful when given enough time
• Staying invested can be just as important as how much you initially contribute

The biggest takeaway? Building wealth does not always require making huge financial moves all at once. A thoughtful plan, consistent habits, and time can work together.

The hypothetical example shown is for educational purposes only. Actual investment returns will vary, and investing involves risk.

This material is for informational purposes only and is based on an understanding of generally applicable rules. State laws will vary. Sunny Financial Strategies LLC, its agents, employees and affiliates do not provide tax, legal or accounting advice. For advice on such matters and before taking related planning action, consult your own professional counsel.

Address

475 North Martingale Road, Suite 1250
Schaumburg, IL
60173

Telephone

+18474149116

Website

http://sunnyfinancial.com/

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