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.

Can You Afford it? 

Today, let's explore the evolution of “Can I afford it?” from saving to spending, and why many retirees underspend despite their wealth.
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Don’t Believe the Lies

Today I would like to draw our attention to three half-truths that have a way of tripping up investors.
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The Line and The Circle – Spending in Retirement

Today we're discussing the paradigm shift that occurs when one transitions from spending while working versus spending in retirement.
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Eating Elephants

Life is full of decisions, and some will be BIG decisions that have the potential to impact our lives in meaningful ways.
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You’ve Got to Be Kidding Me

What is important to your financial wellbeing? Where should you focus your attention? That is what we discuss this week's in Thoughts on Money!
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Dollar-Cost-Averaging

Which suits you best: investing a lump sum all at once or spreading investments over time with Dollar-Cost Averaging for sidelined cash?
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What to Expect When You’re Expecting

Let's learn how managing expectations impacts stock prices, mortgage rates, and personal happiness, with insights from finance & life lessons.
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Playing with House Money

When your investment account compounds over time, much of it will be “house money,” that is, the balance will primarily consist of earnings rather than ...
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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.

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