Thoughts On Money Archives

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.

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?

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.

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 ...

Financial Milestones

Today we will take you on a journey from age 0 to 100, detailing the many financial milestones that happen along the way.

Opportunity Costs

Fear, greed, anxiety, and envy have no place on your team - you need a plan, a philosophy, and some principles to fall back on.

Personal Finance 101

Let's outline the framework that will help you assess your financial hygiene in order to teach what you've learned to the next generation.

Next to Godliness

Financial cleanliness helps you avoid a lot of mistakes and misfortunes. Could your financial life be simplified? Is your financial life well organized?

Who’s the Boss?

I will lay out a handful of examples to further explore this idea of how outside factors and influences can often dictate our decisions.

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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.