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.

Good Deed, Crazy Consequence


Sometimes, it takes awhile to find and identify the devil hiding in the details.  Back in December, demonstrators were in the streets of Kiev, pushing out the pro-Russian government.  To make themselves less unattractive, Russia then agreed to make a $3 billion loan to the Ukraine.  While it was odd that the loan was in … Continue reading Good Deed, Crazy Consequence

The Full Circle of Paranoia


Back in the early 1970s, there was a series of four full-length motion pictures loosely centered on the character of Billy Jack, who was a half-Indian, ex-Green Beret, who was a closet or “teepee” existentialist.  Because death was his ever-present occupational companion, there was that easy familiarity, helping him to learn emotional detachment from everyday … Continue reading The Full Circle of Paranoia

Regulating The Next War


There are worse things than losing a war.  One is to keep fighting a war that is already lost.  The war to re-regulate the financial system has been lost, and we need to quit fighting it. Following the global financial crisis of 2008/9, it was not surprising that Congress laboriously constructed a new set of … Continue reading Regulating The Next War

Thinking About Keystone


Democrats argue we must mitigate the effects of climate change.  Republicans agree — but add we shouldn’t spend any money until at least 100% of climate scientists agree on the causes and solutions. As someone who lives on a beach and doesn’t know a single climate scientist or climatologist, all I do know is that … Continue reading Thinking About Keystone

Wobbling Weebles


Everybody remembers the old Hasbro TV commercial that “weebles wobble, but they don’t fall down.”  That’s how I felt when I watched stock markets around the world this morning.  Virtually every market in every nation is down and down sharply.  Of course, this is a reaction to the Russian invasion of Crimea over the weekend. … Continue reading Wobbling Weebles

Don Quixote Was Not a CFP


There is a serious effort underway to get more financial advisors to run for public office.  It is a fairly safe assumption that the vast majority of financial advisors are at least vaguely familiar with sound financial practices, as well as investment vehicles.  In fact, the fee-only financial advisors are even intimately familiar with the … Continue reading Don Quixote Was Not a CFP

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