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.

Unforced Errors

Today in Thoughts on Money, we discuss the most common unforced errors and some simple solutions to mitigate them.
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Compounding Growth

Regardless of how much it’s talked about, compounding is truly one of the most underappreciated miracles of finance.
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Nobody Knows Everything

Today, I want to dive into a concept that has been incredibly beneficial for our wealth management practice...
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Surplus, Steady, and Sinking – Three Types of Retirement

A detailed, well-constructed financial plan, built around your unique goals, can turn uncertainty into clarity and confidence.
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Why Dividend Growth?

Why dividend growth? There're a lot of ways to approach this question, but I will provide my answer for why I personally invest this way.
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Surviving These Markets

I want to equip you with exactly what you need to not only survive these markets but to thrive in these markets!
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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.