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.

The opinions expressed in The Flinchum File are those of the writer, Jim Flinchum, and do not necessarily reflect those of Bay Capital Advisors, LLC

Death Planning?

I am comfortable discussing dementia, having seen it so many times in friends and clients over the years. Nonetheless, I attended a two-hour update yesterday. There are currently about 6.8 million Americans with dementia. 89% are cared for by a family member, 66% of whom are women. The five most common types of dementia are (1) Alzheimer’s early or late onset, (2) Vascular Dementia, (3)…

A Non-Binary Suggestion?

For years, I have cautioned my Democratic friends that the immigration issue was a cancer on the Democratic party, and because my Republican friends belong to the Party of No, there has been no hope of any compromise, at least not since Newt Gingrich was Speaker. Democrats view immigrants as human beings to be cared for, which requires a “comprehensive” solution, including housing, healthcare, education,…

Titans at Summits

We’ve had at least three “tech summits” where “tech titans” come to Congress and confuse legislators. In last week’s summit, the tech titans asked for better regulation of artificial intelligence (AI) , as sloppy regulation could destroy the tech sector and maybe the country. Sounds innocent enough! The previous tech summit was just a bitch-session, where my Republican friends complained that the mass media was…


On this date for the past twenty-two years, most adult Americans recall the horror of watching commercial airplanes crash into the World Trade Center and the subsequent collapse of those towers, killing almost three thousand people. Personally, I recall cars driving on sidewalks. While my office in Downtown Alexandria was in sight of the Pentagon, I didn’t see the plane crash into it. Of course,…