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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Is THIS a good time to BUY?

Lately, I have had many friends reach out to me all with the same question – is it a good time to buy? This inquiry ...
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Putting a Price on Value

Today we will dive a little deeper into the history of value investing and why I continue to hold tight to my convictions around this ...
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Hope and Faith

For many of us, we’ve spent the last few weeks in a shelter-in-place mode.  This change in our schedule has eliminated our commute, cleared our social ...
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It Always Has

These last few weeks have been wild, to say the least.  For some, these two weeks have felt like two years as so much has changed ...
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Why Would I Want to Be an Investor in a Week Like This?

Why do people invest? While the question is simple, the answer does have some interesting components to it. This week's edition takes on this and ...
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The Endurance Sport That Is Investing

I had no idea that my decision to write on topics of risk, drawdowns, and recovery periods would be so timely based on how the ...
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Why It’s Sometimes OK to Underperform

In this week's TOM, we look at reasons why your portfolio may trail the market and some valuable lessons in asset allocation and "return envy."
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Living Off the Interest

Will the income from your portfolio satisfy all of your living expenses in retirement? This week's TOM looks at important factors to consider.
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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.