My father was diagnosed with a severe case of Multiple Sclerosis at the age of 43.  I was 17. He never worked again and 11 years later he died. My mother launched into the breadwinner role and worked tirelessly to provide for my 3 younger sisters and I.  We were without a plan and truly in financial crisis.

That's why I do what I do.

As I matured, I recognized the immense responsibilities my mother faced, and the experience allowed me to appreciate the importance of financial planning.

That's why I want to work with you to create a great financial plan that helps you reduce risk and worry.

That's why I love to demystify financial planning and help people get their 'financial act' together.


I am Bill Cummings, a financial advisor and owner of Cummings Financial, LLC. I have been helping people and small business owners build their financial future for over 20 years.


Contact me today.  It's time to get moving on your financial 'to do list'.






"Always make your future bigger than your past"
~Dan Sullivan