The Flinchum File

Thoughtful Economic Analysis and Existential Opinions
Subscribe to the Flinchum File
View Archives

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.

Kicking a Smaller Can . . . .


The public is focused on the unknown of whether we will or will not go over the Fiscal Cliff.  Of course, nobody knows the answer with certainty. What is known is this:  My taxes are increasing. What is NOT known is this:  What spending will decrease? The President has always advocated for a “balanced solution” … Continue reading Kicking a Smaller Can . . . .

Independent Thinking . . .


Kent Woodward is a good friend and a strong, independent thinker.  He was kind enough to write today’s blog!  It examines a simple but elegant way to enjoy the benefit of unionization, i.e., higher wages, without the inherent inefficiencies of union regulations.  It must be a good idea, because it would irritate both political parties! … Continue reading Independent Thinking . . .

“Being There” . . . How to?


Because so many decisions are made emotionally, true financial planning has to work with those emotions for clients.  Even as a male financial planner, it is often difficult to work with male clients during certain times. Despite an avalanche of books on the subject of the differences between men and women, I’m reading Resilient Widowers by … Continue reading “Being There” . . . How to?

Digging Into the Details


I’ve believed the underlying U.S. economy is stronger than most people expect but is weighted down by our politicians.  Last Thursday, we learned that GDP growth in the third quarter of this year was revised higher from 2.0% to a surprisingly strong 2.7%.  In fact, it was double the growth rate in the second quarter, … Continue reading Digging Into the Details

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.


Contact Us Bottom