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.

Expense Based Planning – Revisited

My affinity to the EBP approach is that it starts with the expenses in mind and the outcome of the design determines the expected downside.
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Quite Interesting

Today I’d like to discuss both the basics of interest rates and how interrelated they are to the markets at large.
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Weighing Your Options

Have you ever taken the Enneagram? If not, you should check it out; it’s a personality test. For those familiar with the Enneagram, you know ...
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Figuring Out Your Finances

Neither you nor I know what the future has in store.  The future is uncertain.  For many, this uncertainty can be unsettling.
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Hodgepodge and Potpourri – Part Two

Nostalgia has led me to borrow these popular Jeopardy categories - Hodgepodge and Potpourri and how it relates to finance topics of the day.
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Hodgepodge and Potpourri – Part One

I grew up watching Jeopardy with my family; it was a family tradition. I remember being amazed by how many answers my parents knew. Every ...
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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, CFP®

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.