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.

The Index Card

In all my years, in all my conversations, of all the people I’ve interacted with, I have not met one pure indexer.  I’m not exaggerating, I ...
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Turkey Time Temptations

You just had a conversation with your second cousin's husband over Thanksgiving dinner, and he gave you this “great” investment idea.
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The Conversion Conversation

My days are filled with questions about tax loss harvesting, end-of-year retirement contributions, and inquiries about Roth conversions.
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Historical Precedent

In the last few weeks, I have had more conversations about a recession and what that entails than I’ve ever had in my entire career.
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Informed Precision

Can a daily following of markets and a long-term investing posture live in harmony, just as love and discipline both co-exist in good parenting?
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What Are You Aiming At?

Investment management outside the context of a financial plan will find you a victim to the classic financial misstep of "ready, fire, aim."
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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.