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.
For a retiree, there is plenty of media out there to help instill this fear that you may outlive your savings. Talks about rising healthcare costs, fearmongering about the next financial crisis, rumors of disappearing social security, etc. etc. etc. The financial “things-to-be-afraid-of” list seems to be never-ending. It is no wonder that many surveys […]
Trending As a financial advisor, you get used to the fact that if you show up to a family function or a gathering with friends you are bound to get asked a handful of questions on personal finance, the markets, the economy, etc. The funny thing about these questions is that they are almost always […]
Step One: Catch the Ball Here’s the scene: You’re a wide receiver and you line up for the final play of the game with your team down just one point. The coach calls the play and the quarterback hikes the ball. With some fancy footwork, you break loose from your defender and see that there […]
From the beginning, the intention of Thoughts On Money has been to take complex topics and simplify them to a short and palatable read. The goal is to help us all become better investors by incrementally improving our own knowledge base. Sometimes this means teaching you the vocabulary of investing and sometimes it means helping […]
From Bonds to Stocks Last week we had a discussion about what drives bond prices. So, it would only be appropriate to follow up that conversation with a discussion on what drives stock prices. This may seem like a difficult topic to tackle, but I bet you will be surprised by how simple the answer […]
Bonds are on FIYA! In the August 30th issue of David Bahnsen’s, Dividend Café, he included the chart below, which highlights the investment performance year-to-date of the investment-grade corporate bond sector. “I really don’t even know what to say about this. Rates have dropped. Spreads have tightened. And it would be tough to argue that […]
The Woes of Retail Banking My introduction to the world of finance was via a job in retail banking. Although I despised the job at the time, I’m thankful for what I learned while I was there. Basically, my role as a retail banker was to sell customers banking “products” whether they really needed it […]
Things Ain’t What They Used To Be If you hang around the personal finance “water cooler” long enough, you are bound to hear stories about retirement planning of yesteryear. Perhaps your grandfather worked for the same company for 30+ years, and when he decided to call it quits, he had a pension waiting for him. […]
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. […]
Last week we discussed pearls of wisdom and highlighted some financial tidbits that one might want to pass down to the next generation. I received some incredible emails from readers sharing their own pearls of wisdom and I loved hearing their stories about some different financial truths that made a big impact on them throughout […]
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.