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.

Financial Aerodynamics

Today, cycling meets financial planning in order to explain the importance of recognizing the drag taxes can have on returns.
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Leverage: Amplifying Outcomes

Many investors have used leverage to create enormous empires. When used prudently, the outcomes can be additive to your financial goals.
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When You Don’t Get What You Pay For

The real question is this - does your strategy depend on profits or sentiment? 
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The Allocators Cookbook

Let's discuss how chefs and investors are influenced by their experiences, and my personal recipe for designing an investment portfolio.
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In The Absence of Truth

Truth, faith, fear, and the future are the topics creating the subject matter for today's Thoughts on Money.  
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Rainy Days

Today, James Andrews explains how something even as minute as rainy days can be so incredibly disruptive and frustrating.
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Gone Fishing

When you enter a new year, it’s always interesting to see how last year played out. As they say, hindsight is 20/20.
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What is Risk Anyway?

We try to avoid the volatility in the market, not realizing that the larger risk is our after-tax income not keeping up with expenses.
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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.