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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Return On Stress

September.   Was.  Ugly.   The S&P 500 was down more than 9% in the month of September alone.   Markets were dropping, and investors ...
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Fo-evah!

A Preschoolers Paradigm Kids are the best.   They say the funniest things, and they don’t mind telling you exactly how they feel.  They’ll give you the ...
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Bingo, Bango, Bongo!

Understanding what risks you can and cannot reduce with diversification is important. And you should be aware that diversification is going to invite blemishes into ...
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Timing Isn’t Everything

What’s For Dinner? Ok, let me set the scene… Your spouse, your significant other, your friend, your sibling, or someone close to you says, “Let’s ...
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Portfolio by Design

Today I want to talk about portfolio design. Specifically, I want to start with the basics; the foundational concepts of how one begins to build ...
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Storm Chasers

When it comes to weather, we call these folks storm chasers; when it comes to investing, we call these folks performance chasers.
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Permission to Transact

The acquisition or sale of a residence - your home specifically - will have more qualitative factors that need to be weighed, assessed, and considered.
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It’s All a Bunch of Pooh

A Practitioner’s Perspective I know I’m not the smartest guy you’ll ever meet. And I know I don’t have a reputation or record of predicting ...
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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.