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Cummings Financial Services, Inc.

Providing Ethical Financial

and Retirement Strategies.

Are you prepared

for a rainy day?

Helping You Prepare

for financial independence

  • Insurance Solutions
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  • Retirement Planning
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(785) 230-0814

Cummings Financial Services, Inc.

James Cummings is an investment advisory representative of Gradient Advisors, LLC, an SEC registered investment advisor. He serves Topeka, KS and the surrounding communities and provides financial planning and asset management. Our mission is to help provide the families and businesses we serve with innovative financial strategies and planning, that result in help financial clarity, security and overall financial health. Cummings Financial Services, Inc. provides investors custom-tailored investment strategies to meet short- and long-term needs. Our goal is to help our clients realize their financial dreams by offering creative strategies through an open and transparent process utilizing both financial and insurance* options to achieve financial independence. As a fiduciary, James Cummings is legally obligated to put our clients’ interests first. *Insurance products and services are offered through James Cummings, independent agent.

Insurance Solutions


Our firm can help you create a dependable and sustainable source of retirement income to be used now, in the future or whenever you need it most.

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Investment Management

We believe no two investors are alike. In order to help each client meet their financial goals, we use a personalized approach to investing. Learn More

Retirement Planning


We take pride in providing comprehensive retirement planning services to our clients. We review our clients’ wills, estate plans/trusts, taxes and insurance.

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Cummings Financial Services, Inc.

3801 SE California
Topeka, KS 66609
(785) 230-0814
jcummings@cummingsfinancialservice.com Email
  • Home
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  • Asset Maximization
  • Retirement Planning
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  • Social Security Maximization
James Cummings offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Cummings Financial Services, Inc. is not a registered investment advisor and is not an affiliate of Gradient Advisors, LLC. Insurance products and services are offered through James Cummings, independent agent. Cummings Financial Services, Inc., James Cummings and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. All written content on this site is for information purposes only. Opinions expressed herein are solely those of James Cummings, and our editorial staff. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell Investment Advisory Services to any residents of any State other than the State(s) James Cummings, is registered or where otherwise legally permitted. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.