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.

Art versus Science


There are many types of financial advisors, some certified like CFPs and some more suspect like “financial professionals”. Among the most respected advisors are “trust officers,” as they are removed from the sales process and have expertise in the mysterious world of trusts. For years, I have agreed with that distinction, because the world of … Continue reading Art versus Science

Black Sea Alamo


When I lived in Texas, I was both amused and gratified that the Texans still revered the loss of the Alamo and the brave men who died there.  Someday, the people of Ukraine will remember the men of Snake Island.  Believed to have a temple to Achilles, it is less than half a mile square … Continue reading Black Sea Alamo

Discipline 007, Discipline


That’s a line from the iconic 1964 movie “Goldfinger.” My work of shepherding the assets of others requires me to watch financial networks, like CNBC, Bloomberg, etc.  During a crisis, such as the Russian invasion of Ukraine, it is tempting to take advantage of CNN’s superior international coverage, but I don’t recommend that.  That just … Continue reading Discipline 007, Discipline

The Shifting Sands of Truth ?


In 2001, I visited Ron Ziegler  in his high-rise condo on Coronado Beach outside of San Diego.  Looking out over the Pacific, we talked of many things . . . but NOT what he said on April 17, 1973, when he was the youngest-ever (age 29) Presidential Press Secretary, working for Richard Nixon. Reversing course … Continue reading The Shifting Sands of Truth ?

Words Matter ?


My television viewing is pretty much limited to CNBC or Fox Business.  To check general news, I often alternate between the CNN and Fox apps on my phone.  Some months ago, there was a short discussion on the Fox app suggesting that the hero of the iconic 1995 movie “Braveheart” was a Republican.  If you … Continue reading Words Matter ?

The Sweet Sound of War ?


Nathan Rothschild gave good investment advice in 1810 when he said “buy on the cannons, sell on trumpets.”  This is often re-stated as “sell on the rumors of war, buy when you hear the cannons fire.” The notion is that an investor should actively “time” the market by selling early and buying back early.  In … Continue reading The Sweet Sound of War ?

Go Home . . . the Party’s Over !


It is embarrassing to show up at a party late, when everybody is getting ready to leave. That’s the way I see this “Freedom Convoy” in Ottawa, Canada, where truck drivers are literally occupying the city and even aggravating US supply chain problems.  Of course, they’re protesting omicron restrictions.  (It’s all about the mandate, baby!) … Continue reading Go Home . . . the Party’s Over !

Ungodly Combination


It is sad when you cannot show the respect you have for certain people. When I was a skinny thirteen-year-old boy, I fancied myself as a Olympic-quality high jumper, but  the reality of BMI eventually convinced me otherwise.  Still, I enjoyed watching the competition on television and always looked forward to the next Olympiad.  Even … Continue reading Ungodly Combination

Laboring In Confusion


In my last column for Inside Business, I wrote that I have never had less confidence in economic reports on employment.  No, it is not some conspiracy inside the Bureau of Labor Statistics to deceive the American people.  Instead, the pandemic has scrambled our workforce, and that is reflected in our economic reports.  For example, … Continue reading Laboring In Confusion

Vision Problems ?


Democrats see former President Trump as evil incarnate. Insurrectionists see Trump as their messiah. Traditional Republicans see him as a vulgar party-crasher. Existentialists see him as another delusional old egomaniac who, like everybody, can’t live forever.

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