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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Ask Trevor

Markets are complex systems, and it is best to digest all the available information to help refine and evolve your perspective. 
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Your Greatest Asset

You must protect your family, your income, and your balance sheet.  Often this protection comes in the form of insurance, and good financial hygiene means that ...
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Financial Heirlooms

Today on TOM we will discuss the importance of passing down financial wisdom and a couple examples of how other families have addressed this tension ...
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Educating The Next Generation

Today, I want to discuss how you can expand those education options for future generations with good planning and one particular strategy.
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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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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.