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.

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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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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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Shiny Objects

In these COVID times, there are no shortages of people tauting how when the market went down that went into the market in a big ...
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A Leading Indicator

It’s important here to hone in on a key difference between reported economic data and the stock market.  Economic data, like a job's report or ...
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The Commitment Crisis

Here's the problem with commitments, they take time and time is a finite resource.
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Cash is Not Always King

Today I would like to address one of these common finance simplifications, “Cash is king” and discuss how we should and should not be applying ...
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My Biggest Fear

As the ancient tale goes, the Greeks constructed this large wooden horse and told their enemy, the people of Troy, that it was an offering ...
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TOM Judah

Priceless

As an advisor, you have a natural bent towards math. You enjoy the projections, the forecasts, the modeling, and all the calculations behind financial 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.