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

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

Own an index fund? You may be more concentrated than you think.Many popular index funds are weighted by company size, so...
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.*

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

Retirement planning used to focus heavily on questions like: How much should I save? How should I invest? What happens i...
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.

Working families may have new tax deductions worth knowing about. 💰Under the One Big Beautiful Bill Act, eligible worker...
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.

Compound interest can be one of the most powerful parts of a long-term financial strategy, especially when time and cons...
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.

Having kids can affect your taxes in more ways than one and these benefits don’t always work independently.Between the C...
10/01/2026

Having kids can affect your taxes in more ways than one and these benefits don’t always work independently.

Between the Child Tax Credit, the Child and Dependent Care Credit, and a Dependent Care FSA through work, families may have several planning opportunities available at the same time.

The important part is coordinating them.

For example, childcare expenses reimbursed through an FSA generally can’t also be used for the dependent care credit. That means the goal isn’t simply to “claim everything.” It’s to understand how the pieces work together.

A little planning before year-end can make tax season much easier.

Have childcare costs, a new dependent, or benefit elections changing this year? Send us a message or schedule a free introduction session.

Building wealth is a lot like building a house, the stronger the foundation, the more confidently you can build on top o...
09/30/2026

Building wealth is a lot like building a house, the stronger the foundation, the more confidently you can build on top of it. 🏡📈

The wealth pyramid is a simple way to think about your financial priorities:

Start with the foundation: cash flow, emergency savings, proper protection, and managing debt.

From there, you can focus on long-term investing, retirement accounts, and building assets that support your future goals.

As your financial picture grows stronger, strategies like tax planning, estate planning, and legacy building may become part of the conversation.

The goal isn’t to rush to the top. It’s to make sure each layer supports the next.

A strong financial plan is built intentionally, one level at a time.



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.

A new type of account for children is getting a lot of attention and naturally, parents and grandparents have questions....
09/29/2026

A new type of account for children is getting a lot of attention and naturally, parents and grandparents have questions.

Trump Accounts are designed to give eligible children an early start toward long-term retirement savings. But that doesn’t automatically mean they replace accounts you may already be using.

A Trump Account, 529 plan, and custodial Roth IRA can each serve very different purposes.

One may be focused on long-term retirement savings. Another may be better suited for education. And some options require the child to have earned income.

The account matters, but the goal behind the account matters even more.

Thinking about saving or investing for a child or grandchild? Save this comparison and reach out so we can look at which options fit your family’s bigger picture.

A strong investment strategy is not always about choosing one “best” investment. It is often about building the right mi...
09/28/2026

A strong investment strategy is not always about choosing one “best” investment. It is often about building the right mix for you. ☀️

That is where asset allocation comes in.

Asset allocation is the process of dividing your investments across different categories, such as stocks, bonds, and cash; based on your goals, timeline, and comfort with risk.

Each can play a different role:

- Stocks may provide greater long-term growth potential
• Bonds may help add stability and income
• Cash can provide liquidity and flexibility
• Diversification can help reduce overreliance on any single investment type

And your allocation does not have to stay the same forever. As your goals, timeline, or financial situation change, your investment mix may need to change too.

The goal is not simply to take more or less risk. It is to create a portfolio designed around what you are working toward.

Asset allocation and diversification do not guarantee a profit or protect against loss. 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.

Paying off debt gets easier when you have a strategy behind it. 💳📉A good debt repayment plan starts with understanding w...
09/25/2026

Paying off debt gets easier when you have a strategy behind it. 💳📉

A good debt repayment plan starts with understanding what you owe, the interest rates attached to each balance, and how much you can realistically put toward repayment each month.

Some people focus on the highest-interest debt first to reduce the amount paid over time. Others prefer paying off smaller balances first to build momentum and stay motivated.

There’s no one-size-fits-all approach. The best strategy is one that fits your cash flow, priorities, and bigger financial goals.

The goal isn’t just to pay down debt, it’s to create more flexibility for saving, investing, and what comes next.



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

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