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.

Three Brainy Thoughts


There were three interesting takeaways from my recent class on brain health.  One was, if a person is very concerned about approaching brain disease such as dementia, make sure they have completed their financial and estate plan BEFORE getting the medical diagnosis.  If they do have onset of brain disease, they may lack the ability … Continue reading Three Brainy Thoughts

Existential Economics


I have been a financial planner since dinosaurs roamed the land.  Okay, maybe not that long, but I have watched the evolution of financial planning for a very long time.  In the early years, our focus was on rationalizing or making sense of a person’s financial assets and coordinating that with their estate plan. With … Continue reading Existential Economics



Back in 1972, I worked through the math supporting the economic Law of Comparative Advantage, which explained how globalization increased GDP, and I have been a “globalist” ever since, even now when it is an unpopular position.  In fact, most economists are still globalists, even if they won’t currently admit to it.  But the globalization … Continue reading Save NAFTA II

Because Decency Matters


William Weld was the governor of Massachusetts and is now a candidate for the Republican nomination for President in 2020. I made a donation to his campaign this morning and urge others to consider doing likewise. Go to:

Debt Ceiling


In case you missed it, my last quarterly column for Inside Business argues that the debt ceiling does more harm than good. The column can be found at:

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