THOUGHTS ON MONEY [T.O.M.] is a place to find simple truths on money. Everything from budgeting to investing to decision making. A great place to come for answers to your own personal financial questions or to spark thought on how to improve your financial life. Enjoy an easy to read, application focused commentary.

Why It's Sometimes OK to Underperform
February 19, 2020
In this week's TOM, we look at reasons why your portfolio may trail the market and some valuable lessons in asset allocation and "return envy."
Living Off the Interest
February 12, 2020
Will the income from your portfolio satisfy all of your living expenses in retirement? This week's TOM looks at important factors to consider.
Are You Covered?
February 05, 2020
Based on the recent inquiries, I thought it appropriate to provide a succinct refresher on life insurance.
To Lose By A Hare
January 29, 2020
In TOM this week, let's examine the nuances of taking one's time when investments are involved .
Only Hindsight is 20/20
January 23, 2020
The beginning of the year leaves a lot to the imagination, right?  Like, what will happen i...
Clarity on Charity
January 16, 2020
As we closed out 2019, I fielded a lot of questions about Donor Advised Funds (DAFs).  For some, ...

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About the Author

Trevor Cummings

Private Wealth Advisor, Partner

Trevor is a Private Wealth Advisor focused on building customized financial plans for his and many clients of the team.

As the author of TOM [Thoughts On Money], Trevor endeavors to write and speak about financial concepts and principles in a kind of “straight” talk demeanor and posture.

He received his Bachelor’s degree in Organizational Leadership from Biola University and his MBA from California State University, Fullerton.