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.

Surviving These Markets

I want to equip you with exactly what you need to not only survive these markets but to thrive in these markets!
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Go-Go, Slow-Go, No-Go Years

The Go-Go, Slow-Go, and No-Go years. Each of these has unique financial planning considerations and spending needs.
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For Simplicity’s Sake

Why do we complicate investing when simplicity often leads to success? Let's cut through the noise and tackle those unnecessary complexities.
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The Prodigal Son

Today on TOM I will discuss The Prodigal Son, NBA legend Antoine Walker, and the fate of many lotto winners.
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Mind The Gap

Today, I highlight how investors are distracted by what they perceive as short-term risks while ignoring a more meaningful long-term risk.
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Taking Inventory of Your Cash

Often investors will opt for solutions that feel like they are providing a sense of current financial security while potentially hindering the investors long-term financial ...
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Answering Your Questions – Part 4

Wrapping up our series with 3 questions surrounding book recommendations, budgeting tools, and my top financial advice. Let's dive in.
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Answering Your Questions – Part 3

Today, we discuss how a Trader Joe's shopping experience might help you understand your Form 1099 for tax season and other things...
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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.

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.