Thoughts On Money

THOUGHTS ON MONEY [TOM] 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.   

Anchors Aweigh!

Today on Thoughts On Money we have another guest post from Kenny Molina.  Kenny dives into the world of behavioral economics and provides some tips for avoiding unwanted anchors.  We’ve also included a link to the most recent TOM Podcast where you will find a conversation with David Bahnsen and I discussing some of the recent posts from TOM. […]

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Pearls of Wisdom

Hello and welcome to the latest publication of Thoughts on Money.  Before we get started today, I wanted to recommend that you listen to the most recent Dividend Café podcast/vidcast that was published earlier this week.  Here you’ll find The Bahnsen Group Investment Committee discussing all things trade war and what a prudent portfolio manager ought to […]

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Are You Covered?

One of the basic objectives of TOM is to help bring to light common financial mistakes, pitfalls, and oversights.  Although each of us has our own unique financial plans, we all face similar obstacles.  One of these common obstacles is identifying the right amount of life insurance one would need. I’ve found that most people […]

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The High Cost of Free

Welcome to Thoughts On Money!  Today we have another contribution from The Bahnsen Group’s, Kenny Molina.  Kenny pulls back the curtain on some of the new FinTech (financial technology) tools and how they might be the gateway “drug” for the next generation of speculators.  It’s interesting that these tools which seek to make things more […]

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What You Need to Know About the SECURE Act

If you were to do an internet search on “retirement statistics” you would get a plethora of depressing results about how Americans are ill-prepared for retirement.  Earlier this year the Ways and Means Committee presented their solution to improve the landscape for retirement savers via the SECURE (Setting Every Community Up for Retirement Enhancement) Act.  The SECURE Act is a proposal to […]

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Mr. Market & You

Hello TOM Subscribers,  This week we welcome back Kenny Molina for another guest post.  Kenny covers the allure of so-called “easy money” investments and the historical evidence around the financial destruction left in their wake.  Kenny provides some fascinating research and prudent advice to help all of us avoid these financial traps.  So sit back, relax, and enjoy!   […]

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The Bahnsen Group is registered with HighTower Securities, LLC, member FINRA and SIPC, and with HighTower Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through HighTower Securities, LLC; advisory services are offered through HighTower Advisors, LLC.

This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors.

All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. The team and HighTower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice.

This document was created for informational purposes only; the opinions expressed are solely those of the team and do not represent those of HighTower Advisors, LLC, or any of its affiliates.

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about the author

Trevor Cummings, CFP®  


Trevor is a Private Wealth Advisor focused on building customized financial plans for his and many clients of the team.

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.