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.

Avoiding The Light


Readers know my expectation is the U.S. economy will continue to improve:  faster with help from Washington and slower without it.  However, we are increasingly vulnerable to a “Jim Fixx moment,” recalling the father of running who suddenly dropped dead while running in his neighborhood, despite having a long body-mass index. The most likely event … Continue reading Avoiding The Light

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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