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.

Leave a Legacy

Join me as I walk through a real life story of legacy and share some practical steps for how you can leave a legacy.
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Low Hanging Fruit

Suppose I wrote two different articles – one on how to improve investment returns and another on how to reduce your tax bill.  Which article ...
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It Ain’t What You Don’t Know 

Markets are difficult, and our emotions can be difficult to navigate - a challenging combination right there.  Hubris is our enemy, and stubbornness can be ...
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The Road to Flourishing

When we think about flourishing, we should invoke this idea of prospering and thriving in whatever environment we find ourselves in.
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Ask Trevor

Markets are complex systems, and it is best to digest all the available information to help refine and evolve your perspective. 
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Your Greatest Asset

You must protect your family, your income, and your balance sheet.  Often this protection comes in the form of insurance, and good financial hygiene means that ...
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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.