THOUGHTS ON MONEY [T.O.M.] 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.

Understanding Average Returns 

It's an ideal time to remind ourselves about how averages work and recalibrate our expectations about the future. 
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The Official End of Year Checklist

Personal finance has a lot in common with packing for a trip.  A wide variety of items, all varying in priority, each needing to be organized ...
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Future Stock Returns – Revisited

Current market valuations are indeed above average yet it’s important to understand that high valuations are dangerous, but in and of themselves, they are not damaging.
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The Secret to Financial Serenity

Let's unpack why many investors simply lack confidence, and explore ways to encourage & equip us on our journey towards financial confidence.
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Saving on Taxes

In today's Thoughts on Money, I want to talk about how to save money in taxes, in a way that is oftern misunderstood.
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Returns Over the Next 10 Years

The best way to insulate yourself from harm in markets is to be diversified and to be rich in dividends.
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About the Authors

Trevor Cummings

Private Wealth Advisor, Partner

Trevor is a Partner and Director of our Private Wealth Advisor Group.

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.

Blaine Carver, CFP®, CKA®

Private Wealth Advisor

Desiring to be a financial advisor since high school, Blaine has continued this passion by stewarding client capital for over a decade. A patient educator, he enjoys aligning clients’ financial resources with their values, particularly through creative charitable gifting strategies.

Blaine holds a Bachelor of Business Administration in Finance from Seattle Pacific University, where he also led the soccer team as captain.

Brett Bonecutter

Private Wealth Advisor

Brett’s career spans real estate, mortgage, and alternative investments, culminating in a wealth advisory practice at TBG. His faith-based, worldview-centric philosophy aligns closely with David Bahnsen’s thought leadership.

He earned a B.A. in Biblical Studies, an M.B.A., and CFP® education from Pepperdine and is licensed as a real estate and mortgage broker in California.