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.

I Was… Wrong.

Collecting Wisdom  As we get older, we acquire quite a robust library of life lessons. My life lessons tend to be accompanied by a vivid ...
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The “Stock Market”

To Sell, or Not To Sell, That is the Question… I met with a few friends this week. It was an advice-giving gathering where our meeting of minds led ...
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Sound The Alarm!  

That’s right, SOUND THE ALARM!  Recruit Paul Revere. We need to make sure everyone knows.    What’s all the fuss about? Well, one particular asset class ...
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Prudent Debt 

What an odd title for an article, right? At first glance, it seems like an oxymoron. Can you really pair those two words together, “prudent” ...
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Practical Application

December! Are you kidding me!? And just like that, we approach the final weeks of another year.  Life. Moves. Fast!  It was the Summer of 2018 when ...
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Practical Hedges

Enough? If you are hosting a party, there is this natural anxiety about how much food to order, drinks to have, plastic ware to put ...
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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.