Need help...

[Halphast]

After asking questions here in the forums I keep thinking I've figured out my Loremaster problems but they keep persisting:

-my skills all do less damage than they claim to
-the combat log claims I do more damage than actually comes off the enemy (but still less than the skill says it should).

Example:
Fighting a green-name enemy that has 20,000 morale.
My lightning-strike says it does 29-42K.
I use the skill. It's not "resisted" nor "deflected", but only about 19K comes off.
I look at the combat log afterward, and it says I did 24K, which should have one-hit killed the enemy-- but it didn't, and 24K is STILL well below the minimum damage listed on the skill.

I'm currently level 97. My Tactical Mastery is 33,333 and my Finesse is 13,200.

I started off the game focusing only on maximizing Tactical Mastery, but eventually my attacks started missing, so I then focused on adding Finesse. Now I feel like my numbers are better balanced but the results are still way under what they should be. Can anyone help?

(edited for clarity)