William Cummings

Growing up in a military family we lived paycheck to paycheck. My Father was always traveling, which left my Mom to deal with four kids and handle all the finances. My Mom had little understanding of how to save, much less invest, which created a huge amount of anxiety and stress as she worried how we were going to make ends meet. Bologna sandwiches became a staple meal. When my Dad retired with no plan in place, her fears were only elevated, culminating in a divorce. Because my Mom had been so dependent upon my Dad, she simply transferred that dependency to others for her sense of security; not the best plan. At 58 she died of cancer, penniless with all her worldly possessions held in a big pink suitcase. When I saw her suitcase, void of so many things that I remembered having meant so much to her, I made a promise to myself that I would never lose my way.

I became a homeless teenager when my parents divorced. This led to my own increasing insecurity involving money. It was this very same insecurity that led me to become a financial advisor. I began to realize that by learning every possible aspect of money and having a clear plan for the future in place, my anxieties lessened, as did my fear about my future. When I became a financial advisor, I was surprised to see how many women shared my same fear. Their lack of understanding put them in that very same position of being dependent upon others for their own sense of security. I knew this was something I had to change.

My true passion as an advisor is to encourage every woman to become more engaged in learning about money and planning for her future. By creating a more comfortable environment for women, my clients become less intimidated, more engaged and ultimately more confident about their financial future.

No pink suitcases on my watch!!

Bill is a proud graduate of the University of South Florida. He holds an active Certified Public Accountant (CPA) and Personal Financial Specialist (PFS) Certification. He also holds the following licenses; a FINRA Series 7, 24, 28, 63 and Life/Annuity. He is a member of the American Institute of CPA's (AICPA), Florida Institute of CPA's (FICPA), FICPA's Estate and Financial Planning Committee, and the Financial Services Institute.  

Bill and his wife, Kimberli, reside in beautiful Tampa, Florida; they have five adult children. He and his wife are active in their community. The Cummings supports their church, art guilds, Guardian ad Litem, Mental Health Foundation, Tampa Museum of Art, Jane Seymore Open Hearts Foundation, Las Damas de Arte, the YMCA, and the University of South Florida.