tcummings_2024

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.

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Retirement Line Dancing

It turns out that after all, the path to a prosperous retirement is not too different than learning to line-dance.
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Diversification Via Dividends

The growing correlation between stocks and bonds challenges the historical diversification benefits that investors have relied on.
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Not If, But When

The stock market has quite the win streak going. I submit that this in itself should not concern investors, but it is something investors should ...
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Financial Aerodynamics

Today, cycling meets financial planning in order to explain the importance of recognizing the drag taxes can have on returns.
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Leverage: Amplifying Outcomes

Many investors have used leverage to create enormous empires. When used prudently, the outcomes can be additive to your financial goals.
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When You Don’t Get What You Pay For

The real question is this - does your strategy depend on profits or sentiment? 
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The Allocators Cookbook

Let's discuss how chefs and investors are influenced by their experiences, and my personal recipe for designing an investment portfolio.
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In The Absence of Truth

Truth, faith, fear, and the future are the topics creating the subject matter for today's Thoughts on Money.  
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About the Authors

Trevor Cummings

Private Wealth Advisor, Partner

Trevor is a Partner and Director of our Private Wealth Advisor Group.

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.

James Andrews - CFP®

Private Wealth Advisor

James is a Private Wealth Advisor based out of TBG headquarters in Newport Beach, CA.

As an author of TOM [Thoughts On Money], James seeks to share core principles in decision-making that bring clarity to managing life and wealth.

He received his Bachelor of Science degree in Entrepreneurial Finance from Cal Poly Pomona and is a CERTIFIED FINANCIAL PLANNER®.

Blaine Carver, CFP®, CKA®

Private Wealth Advisor

Desiring to be a financial advisor since high school, Blaine has continued this passion by stewarding client capital for over a decade. A patient educator, he enjoys aligning clients’ financial resources with their values, particularly through creative charitable gifting strategies.

Blaine holds a Bachelor of Business Administration in Finance from Seattle Pacific University, where he also led the soccer team as captain.

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Hightower Advisors, LLC is a SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Some investment professionals may also be registered with Hightower Securities, LLC and offer securities through Hightower Securities, LLC, member FINRA/SIPC. You can check the background of our firm and investment professionals on brokercheck.finra.org. Unless otherwise indicated relative to a specific award or ranking, Hightower Advisors, LLC does not pay a fee to be considered for any ranking or recognition, but may have paid to publicize rankings obtained and disseminated prior to 11.4.2022. All awards / rankings / ratings obtained and distributed on or after 11.4.2022 will be accompanied by specific disclosure as applicable. 
 
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