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.

Variables Blog

The Variation of Variables

The list of these financial planning variables is much too large to tackle in today’s discussion, but let’s dive into a handful of those high-impact ...
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Compound Blog

The Confounding of Compouding

This is a finance truth that is profoundly relevant but often forgotten.  The fact that you can earn a return on your investment and that ...
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Possible Blog

Mission Possible

One attribute of outstanding leadership is one’s ability to cast vision; to clearly articulate the organization’s objectives in a simple and inspiring manner. We call ...
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Sure Thing Blog

A Sure Thing

The bible tells us, “Pride goes before destruction, and a haughty spirit before a fall” (Proverbs 16:18) a warning about overconfidence and how arrogance frequently ...
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Grades Blog

Are you Ready for Your Financial Report Card?

Do you know where you stand as an investor?  Have you done sufficient planning with your advisor and are ready for a test of your ...
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Fishing Blog

Learning How To Fish

Since the inception of Thoughts On Money, the objective has been the same – to help translate the complex world of personal finance into something ...
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Habits

Are You a Creature of Habit?

We are all creatures of habit. We have our routines and disciplines that we have grown accustomed to. A lot of these practices have become ...
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Active Blog

An Active Debate

There is a debate out there in the world of finance. A debate about active vs. passive investing. Today I take you on a journey ...
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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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