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.

The Stock Market and the Casino

Three steps forward, two steps back—why investing without patience can feel like gambling, but doesn’t have to.
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When Risk Isn’t What It Seems: Rethinking the Volatility Paradigm

What if volatility, the thing we fear most about investing, isn’t really that bad?
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Write Off the Sunset: Planning Around the OBBBA

If you have questions about the OBBBA then you’ve come to the right place as today, we do a deep dive in understanding this new ...
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T.O.E. (Thoughts On Expenses)

Today, we will discuss the different types of expenses and which line items deserve more attention than others.
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Cautiously Pessimistic

When it comes to investing, your expectations shape your outcomes. Are yours grounded in reality, or rather, in emotion?
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Mid-Year Money Check-In

Summer’s here—time for a financial mid-term checkup! Like school exams, it’s a great way to stay on track and ace your money goals.
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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.