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.

A Boring Big Deal


While everybody was watching winter’s last fury for this year (I hope), the Fed released a little-noticed report on its annual “stress-tests” of the 31 largest banks in the United States.  The good news was that all 31 have passed and with relative ease.  The better news is that the test was actually severe enough … Continue reading A Boring Big Deal

“Uncle” Jeremy Semi-Warns


My favorite professor at Wharton – the brilliant but affable Dr. Jeremy Siegel – enjoys a reputation for being an accurate forecaster as well as a “perma-bull,” i.e., someone who always thinks things will get better. Yesterday, he pointed out that the PE ratio for the S&P 500 is now 19 times last year’s earnings … Continue reading “Uncle” Jeremy Semi-Warns

That Fearsome Number


Here, at the corner of Good Planning and Good Living, where I practice, I usually feel an obligation to teach my clients whenever possible, or at least, to help them see a wrinkle in their perspective that might be helpful.  Quite often, they teach me. Recently, I was visiting a client and discussing the requirement … Continue reading That Fearsome Number

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in Chesapeake, Newport News, Norfolk, Suffolk, Virginia Beach, Williamsburg, and the surrounding areas of Hampton Roads.


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