tcummings_2024

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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Health Insurance and I are not friends

Being a good steward means that you are going to constantly be solving different financial riddles - some simple, some complex.
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Pizza Dough and Roth Conversions

I think there is a lot of confusion about why or why not to do a Roth conversion. This decision has a lot to do ...
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Don’t Be a Fair Weather Fan!

While dedication to a team may be relative to family heritage or one's hometown, your investment strategy will have deeper intellectual roots.
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Planning for Leftovers

So much of the financial planning media focus on not running out of money, and it seems like we have very little discussion about what ...
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The Only Thing We Have to Fear

A lot of investors are sitting on their hands right now.  There seems to be a hesitation to buy real estate, stocks, and any other ...
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Spending Matters Most

Honestly, this might be the simplest financial practice that also has the potential to make the greatest impact on your financial life.  And, if you ...
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Solving the Puzzle of Your Financial Picture

Investors get tunnel vision on an investment or a planning item that has very little impact on their whole portfolio or plan. The energy, the ...
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The Art of Earmarking

Join us today as we dive into the intersection of weight loss, teaching Sunday school, and personal finance.
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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.

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