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.



If you are confident, then you are more inclined to invest more of your hard-earned cash into stock investments.  If you are uncertain, you are less likely to do so.  That is the reason the stock market hates uncertainty so much. Historically, the stock market just drifts the first half of presidential election years and … Continue reading Uncertainty

The Only Game In Town


Given that the stock market over-reacts, the reaction of the stock market on Friday was interesting.  The monthly jobs reports indicated 287 thousand jobs were created last month, compared to expectations of about 170 thousand jobs.  It was a great surprise, and the Dow picked up 250 points that day.  At first blush, 250 Dow … Continue reading The Only Game In Town

Feeling For Big D


When I worked for New York-based banking giant Citibank in downtown Dallas, it was a common joke that America was simply “fly-over” country between big cities that actually matter, like New York, Chicago, Dallas, etc.  It was stereotypical to think of the urban cities as civilizations with barbarians banging on the gates.  Indeed, we referred … Continue reading Feeling For Big D

National Sock Day


America is not a perfect nation, as we are reminded relentlessly, even during our national holidays.  But, the Fourth of July is different.  Unlike Veterans Day when we thank veterans for the service and unlike Memorial Day when we honor those who laid down their lives for the rest of us, Independence Day is the … Continue reading National Sock Day

Tension Control


Just as there is an unhealthy tension in Washington between Republicans and Democrats, there is another unhealthy tension developing on Wall Street — between “bottom-up” financial strategists and “top-down” economic strategists. It began after the 2008/9 global financial crisis, when the financial strategists looked at the rapidly-recovering balance sheets of corporations, who were refinancing their … Continue reading Tension Control

Just Another Long, Strange Journey


Following a very minor surgical procedure, there was a very long night, in the middle of which I watched the film adaptation of Andrew Lloyd Webber’s 1970 rock opera, the iconic Jesus Christ Superstar.  Having seen the stage adaptation decades ago, I recalled the almost-humorous stylizing of the very well known classic story into the … Continue reading Just Another Long, Strange Journey

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