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.

Tools for Decision-Making

The model for one decision that was successful may not translate to the same success for the next decision that you are facing.
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Beyond the Numbers

Guest Author – Blaine Carver Years ago, as a sophomore at Seattle Pacific University, I did what any sun-starved college student in Seattle would do ...
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Results Driven

Good, Not Great I started racing BMX when I was 12 years old, and I truly devoted almost a decade of my life to the ...
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Speculators Galore!

We know that in the real world, wealth is accumulated via hard work, innovation, and patience. Yet, stumbling upon money is still enticing.
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The Project Checklist

I’ll often tell clients that a huge part of my job is to improve financial hygiene. So, I use this checklist to keep me on ...
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Stay in Your Lane

Broken Logic Why is it that you can easily fool a child into trading a one-dollar bill for three quarters? The aesthetics look more attractive ...
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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.