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 Grieving Season ?


My mother died thirteen months ago, and I think about her several times every day.  All my friends, as well as the “experts,” say it is normal to grieve the loss of a loved one, and I do! But, I know the particular date that she died — March 30th, 2014 — which is a … Continue reading The Grieving Season ?

In Praise of Proctologists


Would you rather go to the airport and deal with TSA . . . or go to your proctologist’s office? You don’t have to arrive two hours early to see your proctologist. It is easier and less expensive to park your car at the proctologist’s office. Your proctologist doesn’t exchange pleasantries just to hear if … Continue reading In Praise of Proctologists

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