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.



While reading “the classics” is never a bad idea, most people read newer books.  However, a middle-age book can also give a refreshing perspective.  I just finished Lethal Passage:  The Story of a Gun, written by Erik Larson and published in 1995.  It was recommended to me by a good British friend who struggles to … Continue reading THE MORE THINGS CHANGE . . .

Pre-CRT ?


A Republican neighbor is currently very upset that public schools may start teaching “Critical Race Theory” (CRT), which argues that white supremacy is tightly maintained and supported by America’s legal structure.  While I respect her fear, this is not news. It’s been almost twenty years, since I was required to attend a half-day class on … Continue reading Pre-CRT ?

Right Man at the Right Time


As the son of a World War II veteran, I was force-fed a steady diet of war stories from birth.  I knew which countries were on which side and why.  I knew the various campaigns and their outcome.  I learned that there was no one war, and there was a lot of ethnic-score-settling masquerading as … Continue reading Right Man at the Right Time

Blanket Parties


According to Webster’s, a “bad apple” is “a member of a group whose behavior reflects poorly on or negatively affects or influences the remainder of the group.”  Of course, the best way to deal with a bad apple is to separate it from the others, before it rots the whole bushel. In the Army years … Continue reading Blanket Parties

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