Matthew Avellino, MBA

  • President/CEO, AC Risk Management INC
  • AC Risk Management INC
  • Roslyn, NY   
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516-277-4480


Contact me for: Business Insurance, Workers Compensation, Homeowners Insurance, Auto Insurance, Life Insurance, Health Insurance, Retirement Planning.

I am the President/CEO of AC Risk Management INC., a holistic Insurance and Financial Planning firm. Our specialty is Property & Casualty Insurance; but we also offer consultation in Life, Accident, & Health Insurance. We handle our client’s every need from protection to planning for retirement.

Previously, I was a Professional Soccer Player playing in the USL for the Wilmington Hammerheads and in the Puerto Rican 1st Division for Sevilla F.C. PR. I also have an Executive MBA in Management.

Expert Articles by Matthew Avellino, MBA

Home, Auto, and Theft Insurance

Selecting umbrella insurance
If you ever find yourself in the unfortunate circumstance that was described above, you’ll be happy you have Umbrella Insurance. Now that you are more knowledgeable on the product, you can see that ...
Shop online for new car insurance with confidence
While everyone wants to save as much money as possible on their auto insurance, please ensure the proper protection is in place before making any decisions. Quoters will try to sell you whatever they ...
Know how much home insurance to get with the help of a broker
As you can see, deciding what value to insure your home for is very important. Following the advice above will aid you on your journey to perfect home insurance protection. While I hope you find an af...
Advice on making a home insurance claim easy and stress free
The claims process is far simpler than most would think. As long as you are knowledgeable of your coverage and keep thorough records immediately following the reporting of a claim, the process should ...
Do you rent a house or apartment? Get renters insurance coverage
Renters insurance may sound unnecessary or too temporary of a thing to worry about, but it takes care of you and your present situation. As you presently work and save for your future and your retirem...
Protect your vacation home with the right home insurance policy
As you can see, there are many minor details specific to insuring vacation homes that can be the difference between a claim being fully covered or denied. Please contact a qualified broker to discuss ...
Protect everything in your home and car with theft insurance
As you can see, there are many facets to theft insurance. A theft claim can leave a homeowner with a large out-of-pocket expense if their coverage is not proper for their specific needs. Please rememb...
Choose the right home insurance policy for your condo or co-op
As you can see, condos and co-ops involve some specific caveats that are atypical on the standard homeowner’s policy. Please follow this advice and make sure you contact an insurance professional to...

Expert Articles Sponsored by Matthew Avellino, MBA

Home, Auto, and Theft Insurance

Homeowners - be prepared before a disaster strikes!
We always hope that we will not be impacted by floods, wildfires, tornadoes, hurricanes, ice storms, or other natural disasters, but we never know. Why not be prepared in case you are affected by a di...
Selecting umbrella insurance
If you ever find yourself in the unfortunate circumstance that was described above, you’ll be happy you have Umbrella Insurance. Now that you are more knowledgeable on the product, you can see that ...
How to file an umbrella insurance claim
An insurance company’s primary goal is not to pay money to claimants; its to make a profit for their shareholders. In some cases, when paying claims, an insurance company will not notify you of the ...
Advice on making a property damage insurance claim
After you have had a claim to your home or business, your world is thrown into a tailspin. You will have many different parties advising you how to proceed, and you must start making some very importa...
How to protect and insure your electronic devices
Smartphones, laptops and other electronic gadgets that organize and enhance our lives are worth the time investment to learn how best to protect them. Keep gadgets safe by taking precautions, such as ...
The right auto insurance will guarantee protection for your new car
Auto insurance provisions are complex. You cannot simply rely on an advertisement to determine your levels of coverage and you should buy the plan with an eye on protection first and price second....
Expert advice before you add a teenage driver onto your auto insurance
When your child does become licensed, your premium will increase no matter who insured you. It does pay to shop around. The best way to do that is to contact an independent insurance agent. They have ...
Shop online for new car insurance with confidence
While everyone wants to save as much money as possible on their auto insurance, please ensure the proper protection is in place before making any decisions. Quoters will try to sell you whatever they ...
Getting the most out of your leased car insurance coverage
Part of your insurance premium may based on your credit score. Companies cannot base your premium completely on credit score, but it does play a large part in determining the rate you pay, or even if ...
Get the best auto insurance coverage for your used car
The downside of buying a used car might be a high insurance bill. To avoid that, work with your independent agent to make sure you are getting all of the credits available to you, and that you’re dr...
Buy a vehicle service contract to save money when warranty expires
Following these best practices to select a high-quality service contract provider will ensure the best experience when your automobile needs repairs. Don’t allow the expiration of your factory warra...
Know how much home insurance to get with the help of a broker
As you can see, deciding what value to insure your home for is very important. Following the advice above will aid you on your journey to perfect home insurance protection. While I hope you find an af...
Advice on making a home insurance claim easy and stress free
The claims process is far simpler than most would think. As long as you are knowledgeable of your coverage and keep thorough records immediately following the reporting of a claim, the process should ...
Does damage to your home mean you should file an insurance claim?
In the event of major damage to your home property, always take quality photos and documentation of the damage. Also put up a secure covering over the damage to ensure minimal-to-no further damage occ...
Do you rent a house or apartment? Get renters insurance coverage
Renters insurance may sound unnecessary or too temporary of a thing to worry about, but it takes care of you and your present situation. As you presently work and save for your future and your retirem...
Being a smart car owner and safe driver will save you money
While owning a car is necessary for many people today, it has the potential to put a significant financial burden on drivers. With the increasing cost of gas, the need for insurance, and the financial...
Auto insurance protects you and other drivers on the the road
Many people just get the basic auto insurance coverage and ignore all the other benefits they can gain for just a little more cost each year. If you are going to be paying for coverage every month, ta...
Save money by bundling your renters and car insurance policies
The most important thing to remember is this: if you want to do business with just one company, they generally offer a discount for bundling your policies. Keep track of your credit score and be a sma...
Protect your vacation home with the right home insurance policy
As you can see, there are many minor details specific to insuring vacation homes that can be the difference between a claim being fully covered or denied. Please contact a qualified broker to discuss ...
Auto insurance claims can result in higher premiums and surcharges
Not every bit of damage to your car should result in a claim because it could easily cost you more in the long run with higher insurance premiums. Othertimes, it will save you money and get you back t...
When should you file a home insurance claim or pay out-of-pocket?
Being able to file a home insurance claim is the reason why people have insurance in the first place, but it’s always important to keep in mind that premiums can increase, surcharges exist, and an i...
Protect everything in your home and car with theft insurance
As you can see, there are many facets to theft insurance. A theft claim can leave a homeowner with a large out-of-pocket expense if their coverage is not proper for their specific needs. Please rememb...
Choose the right home insurance policy for your condo or co-op
As you can see, condos and co-ops involve some specific caveats that are atypical on the standard homeowner’s policy. Please follow this advice and make sure you contact an insurance professional to...
Homeowners: Factors to consider when purchasing home insurance
Some key points to remember: Go higher, not lower with your liability coverage. Make sure your home is insured for replacement—not market—value. To lower your premium, try raising your deductible....
Advice for college students getting their first car insurance
Research is the key, both in choosing an agent as well as a company that is compatible with your budget. Heed this advice to help you find the best and cheapest insurance as you make your way to colle...
Why everyone should have an umbrella insurance policy
Umbrella insurance is useful to have in so many different circumstances. Set up an appointment with your insurance agent to discuss what kind of coverage you need. No one can ever have too much liabil...
Buying insurance is a necessity you can't ignore
When you spend your valuable time researching insurance and navigating confusing policies, you want to be sure you’ve purchased the best for you and your family. An insurance agent will be invaluabl...

Retirement Planning

Gen Y workers must start saving and investing early for retirement
Developing an effective retirement strategy as early as possible helps ensure you have lasting financial success. You can have more peace of mind that you’ll actually be able to retire when you want...
Have the money you need for retirement with lifetime income annuity
Lifetime Income Annuities, also called Single Premium Immediate Annuities, provide an income stream that you can never outlive. You can use that contractually guaranteed payment to help budget and cov...
Expert advice on choosing lifetime income annuity program
Lifetime Income Annuities (aka: Single Premium Immediate Annuities) are the purest form of “transfer of risk” annuity strategies available to the public. These products are contractually guarantee...
Take control of your future with a self-directed retirement plan
Self-direction as a retirement wealth-building strategy can be a great way for savvy investors to take control of their investments with alternative assets they already know and understand. It is cruc...
Know how to financially plan for retirement so you can retire on time
There you have it. By sticking to these simple and straightforward guidelines, you’ll be well on your way to planning for your retirement years successfully....
Understand net unrealized appreciation for your 401K
Failing to take NUA treatment into account is the #1 mistake people make with respect to their qualified retirement plans. If you own employer stock in a 401(k), ESOP, or other qualified plan, be sure...
How to benefit from rolling over your 401(k) to an IRA
Whether you feel like a 401(k) plan or IRA is right for you, it’s important that you have a firm understanding of what both options bring to the table. Take the time to consider every angle and stay...
Expert advice on retirement planning for small business owners
So, what is the end result of setting up and funding a small business retirement plan? Well, nothing beats the happiness of a small business owner who is able to retire and have a bucket of money allo...
Planning for health care costs is vital to successful retirement
When it comes to retirement planning, don’t delay. Start planning today. If you stay on top of your future healthcare costs, you will not only gain confidence from being prepared, but you can relax ...
Key considerations in saving for a confident retirement
Whether you’ve been saving for retirement for 20 years or you have your head in the sand when it comes to putting money away, it is important to remember that it is never too late to start and there...
Save for retirement the moment you land your first job after college
Don’t ever allow yourself to fall into the mindset that you have the rest of your life to save for retirement. The sooner you start saving, the brighter your financial future may be. Make a commitme...
Guarantee income in your retirement with fixed indexed annuities (FIA)
Fixed indexed annuities are a wonderful way to balance out a retirement portfolio because they are a low-risk insurance product that increase with index growth and are protected from market volatility...
Young people: take a new investing approach to retirement planning
The retirement landscape is shifting, and it’s important to understand what you need to do to ensure your retirement savings is secured. Use these tips to protect your future....
Plan for retirement and get the most out of Social Security benefits
A wide variety of factors will determine the optimum strategy for claiming your Social Security benefits. Everything from age, health, income, and even marital status can have an impact. Periodically,...
Understand the differences between deferred and immediate annuities
Gain control of your financial health for retirement with a budget
We have created the basic tool—the budget—to provide you with a guide to your financial health. Life spans have increased; therefore, retirement funds need to last longer. A budget is not written ...
Start planning for retirement as soon as you get your first job
Financial planning is a lifelong process, and the sooner you get started, the better. Planning ahead means you will not only have a more comfortable retirement, but you also may be ready to retire soo...
Advice on how to reduce the fees on your 401K retirement account
The big enemy to your retirement savings plans is the fees many traditional plan funds charge whether you are aware of them or no. While seemingly small, these fees have significant impact on your sav...
Expert advice on planning your retirement together
As you can tell, planning for your retirement as a couple is a multi-faceted and complicated effort. It should be a wonderful time of your life together, but without looking at that picture from diffe...
When to collect social security benefits in retirement
Deciding when to take Social Security is an extremely personal decision and can ultimately be a very difficult one. It’s important to weigh all of the factors and consult your financial advisor in o...
Make the most of your money and minimize taxes in retirement
Taxes can be one of the largest items in a retiree’s budget. However, taxpayers can use a combination of annual and long-term planning in order to keep their tax bills to a minimum and to maximize t...
Retiring overseas is possible with careful financial planning
Retiring abroad should make sense both financially and personally. For many, moving overseas provides lower healthcare costs and a higher quality of life. Before making this Money Milestone move, make...
How to make sure your retirement savings lasts the rest of your life
There are many strategic moves - none of which are a complete answer - that seniors can take to ensure that they don’t run out of money. It requires discipline, strategic planning and an approach to...
Advice for when you lose your job and forced into early retirement
An unexpected retirement after being forced out of your job can be unsettling, but it’s not impossible to remedy. If you have prepared as best you could for your planned retirement date, you will ha...
Create financial security and well-being for your entire family
By following this advice, families can take control of their finances and help give their children the best possible start in life. After all, as parents, we often say our kids are our biggest reward....
A low-risk annuity investment will ensure steady retirement income
The day you step into retirement, your entire financial life collapses down to one issue, and the issue is perfectly binary. There are only two possible outcomes, and they’re mutually exclusive. On ...
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