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.

Fool’s Gold

Financial anxiety and economic uncertainty are spiking, and investors are speculating if we are in a recession, approaching a recession, or potentially avoiding a recession.
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Who’s Got Your Ear?

As it often is in personal finance, sometimes the simplest questions can be the most revealing and thought-provoking.
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Respecting Time Horizons

I’ve found myself repeatedly cautioning people away from placing short term monies into long term investments.
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A Tale of Two Brothers

The path to successful investing relies on being aware of what good investor behavior is and the right advice-giver to foster such.
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Experiencing Turbulence

It was time. Well, it was almost time. Around 2:45 pm on December 6th, 2022, I sat in a lonely hallway awaiting my invitation into ...
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Just One Word

Today, I would like to answer the question that has no right answer. Sounds like a fun little exercise, right? I want you to take ...
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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.