Jeff D. Cummins, CPA*, MBA, CFP®

Jeff started his business career as an Auditor with PricewaterhouseCoopers in 2000 and received his CPA certification in 2001. He then joined Spectrum Financial Group in 2002 after obtaining his NASD Series 7 (General Securities), Group 1 (Life and Health Insurance) and FINRA Series 66 licenses (Uniform Combined State Law Exam).

In 2008, Jeff obtained his CERTIFIED FINANCIAL PLANNER® professional designation. In 2012, he was named Spectrum’s local agency “Advisor of the Year” and received his first “Five Star Wealth Manager” award.** In 2018, Jeff founded Top Flight Wealth Strategies. In 2023, he joined Spectrum Wealth Strategies.

Jeff grew up in Garland, Texas and attended Naaman Forest High School. His senior year, Jeff finished in the top 5% of his class and won both the city and district golf tournaments. He then attended Baylor University with a golf scholarship, made the Dean’s List twice, and was a member of Delta Tau Delta Fraternity, Golden Key Honor Society, Gamma Beta Phi Honor Society and Beta Alpha Psi Accounting Fraternity. Jeff received his BBA in Accounting and MBA from Baylor, and CPA certification shortly after graduating.

Jeff and his wife Tracy live in Lucas, Texas and have twin daughters and a son.  In his free time, Jeff enjoys spending time with his family, volunteering in KidZone at Chase Oaks Church in Fairview, playing golf at Gleneagles Country Club, practicing the Electric Guitar and honing his skills as a 3rd Degree Black Belt in Taekwondo.

*Not practicing on behalf of MML Investors Services, LLC or its affiliated companies

**Five Star Wealth Manager Award recipient 2012, 2015, 2018-2025

2012: Issued 07/01/2012 for 11/30/2011 to 05/18/2012

2015: Issued 07/01/2015 for 11/30/2014 to 05/18/2015

2018: Issued 07/01/2018 for 11/30/2017 to 05/18/2018

2019: Issued 07/01/2019 for 11/30/2018 to 05/18/2019

2020: Issued 07/01/2020 for 11/30/2019 to 05/18/2020

2021: Issued 07/01/2021 for 11/30/2020 to 05/18/2021

2022: Issued 07/01/2022 for 11/30/2021 to 05/18/2022

2023: Issued 07/01/2023 for 11/30/2022 to 05/18/2023

2024: Issued 07/01/2024 for 11/30/2023 to 05/18/2024

2025: Issued 07/01/2025 for 11/30/2024 to 05/18/2025

The award is based on 10 objective criteria. Eligibility criteria-required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review; 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria-considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not an endorsement or indicative of the future performance of the wealth manager. A fee was not paid for consideration however a fee is paid for marketing materials. For additional information, visit www.fivestarprofessional.com.

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