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.

Be a Tell-Me-More Investor

Learn to be a smarter investor by asking “tell me more”—explore concentration, earnings vs. hype, and portfolio attribution.
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Three Unrelated Pieces of Advice

Three key money tips: run your own race, take financial inventory, and value liquidity to strengthen your financial foundation.
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The Mirror We Don’t Like to Look In

In today's Thoughts on Money, we'll explore our natural biases, how they affect our investment results, and what to do about it.
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Abnormal Returns

Things that have coin-flip odds can go on abnormal runs, but these runs are short-lived, just as this record reflects.
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Taxes & Fees

Stubbornness is an unattractive quality, so keep a short deal-breaker list and keep opening doors for dialogue instead of closing doors.
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Is Your Portfolio Keeping Up With Inflation?

Learn how to build a portfolio that outpaces inflation with real returns, dividend growth, and smart expense-based planning.
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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.