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.

Spending Matters Most

Honestly, this might be the simplest financial practice that also has the potential to make the greatest impact on your financial life.  And, if you ...
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Solving the Puzzle of Your Financial Picture

Investors get tunnel vision on an investment or a planning item that has very little impact on their whole portfolio or plan. The energy, the ...
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The Art of Earmarking

Join us today as we dive into the intersection of weight loss, teaching Sunday school, and personal finance.
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Finding Financial Freedom

Do you know what reminds me a lot of exercise? Saving.  It’s good for you and yields great benefits in the long run, but it ...
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Why It’s Sometimes OK to Underperform – Revisited

I am an absolute glutton for nostalgia; I’m a softy. Every day my iPhone populates these reminders of “my memories.”  The software puts together these ...
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Chihuahua Markets

All this leads us to a conversation about chihuahua markets and the frustrations and damage they cause. 
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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.