The Flinchum File

Thoughtful Economic Analysis and Existential Opinions
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Welcome to The Flinchum File

I am an Accredited Investment Fiduciary at Bay Capital Advisors, an investment firm headquartered in Virginia Beach, VA. After retiring from Truist Bank, I started this firm to work more closely with a smaller number of clients, and it has been great! Our client load is about 25% of the national average.

Writing is not for the shy or the meek. It exposes a person’s mind and character. I hope you enjoy the view.

“The Righteous Mind”


I enjoy watching Greta van Susteran on right-wing Fox News.  I enjoy watching Rachel Maddow on left-wing MSNBC.  And, I enjoy watching Fareed Zakaria on semi-centrist CNN.  When he recommended this book by Jonathon Haidt last week as “required reading,” I decided I would read it.  Humorously, Haidt appeared on Zakaria’s show this morning, after … Continue reading “The Righteous Mind”

Something For Everybody


Everybody must have been happy yesterday, because the Dow rose 217 points, to the highest level in 3 months. The Republicans were happy because they could lament the fact that unemployment rose from 8.2% to 8.3%  More significantly, the combination of unemployed plus under-employed (called the U-6 rate) rose to a scary 15%.  The Democrats … Continue reading Something For Everybody

We are a fee-only advisor providing best interest fiduciary services to clients
in Chesapeake, Newport News, Norfolk, Suffolk, Virginia Beach, Williamsburg, and the surrounding areas of Hampton Roads.


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