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.

One More Time


I like guns. How many times have I started a blog with that simple statement?  After each mass tragedy, I try to explain all gun owners are not gun nuts and not all gun nuts are “Area 51” Libertarians.  There are degrees of madness. My father originally taught me about guns, when I was a … Continue reading One More Time

Letting Grudges Go


Many times, my late mother cautioned me not to carry a grudge.  She wisely said the weight of that grudge gets heavier over time. I’ve just finished watching the epic new documentary by Ken Burns on “The Vietnam War” and  thought of her advice frequently.  That film is a seminal and definitive work on a … Continue reading Letting Grudges Go

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


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