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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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Why It’s Sometimes OK to Underperform

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.”

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Living Off the Interest

Will the income from your portfolio satisfy all of your living expenses in retirement? This week’s TOM looks at important factors to consider.

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Are You Covered?

Based on the recent inquiries, I thought it appropriate to provide a succinct refresher on life insurance.

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To Lose By A Hare

In TOM this week, let’s examine the nuances of taking one’s time when investments are involved .

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2020 Vision

Only Hindsight is 20/20

The beginning of the year leaves a lot to the imagination, right?  Like, what will happen in 2020?  Who will win the election? How will …

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Clarity on Charity

As we closed out 2019, I fielded a lot of questions about Donor Advised Funds (DAFs).  For some, this inquiry was sparked by an interest …

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Getting Schooled

As we enter into 2020, we know one thing to be true – politics are going to be a hot topic.  Each week the news …

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Lessons Learned – A Tale of Two Decades

As we approach the end of the year, I brace myself for the many retrospective look-backs on 2019 from my favorite media sources.  And being …

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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.

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