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.

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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A Picture is Worth a Thousand Charts

Investor euphoria is rising—explore market risks, valuation concerns, and timeless lessons from past bubbles.
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AI BS

AI seems to be the next natural step of curation in the maturing life of the search engines, but can still be unreliable.
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Taylor Swift and Travis Kelce – Money and Marriage

We delve into an engaging discussion about the intersections of finances and marriage, starting with Taylor and Travis.
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The Boys in the Boat

A financial planner helps you row toward your goals, adjusting course as life and markets shift your financial 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.

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.