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.

TOM Blog Fly

A Fly On The Wall

Normally, I write an article and then gather a few of my colleagues to discuss the article over a podcast we produce weekly.
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Home Sweet Blog

Home Sweet Home

For many savers/investors, their residence makes up a significant portion of their balance sheet, which means that this is a crucial planning topic to discuss.
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TOM Blog

What’s the Alternative?

Investors face an investing landscape that has evolved from the world of stocks, bonds, and cash to an ecosystem where you can now invest in ...
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Tom Blog

Apples and Oranges 

Stocks and bonds behave differently, and their uniqueness allows you to assess which puzzle piece – stocks or real estate – will fit best for ...
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TOM Blog

Care To Be Aware

140+  Thank you.    Thank you if this is your first time visiting Thoughts On Money [TOM], and thank you if you’ve been a faithful reader ...
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Appetite Blog

An Appetite for Risk

Always remember, the expectations you have for your “returns” bucket are very different than that of your “reserves” bucket.  One bucket is stable and accessible, ...
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Next Blog A

What’s Next?

A Billion Dollars & A Billion Miles   What do Elon Musk, Jeff Bezos, and Richard Branson have in common? They are founders and entrepreneurs; they ...
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Obstacles Blog

Life’s Obstacles

Again, there will be some of these decisions that are crucial, the kind that could potentially make or break a financial plan, but they will ...
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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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