Campbell Wealth April 2018

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A Solid Start to the Second Quarter

We may only be in the second quarter of 2018, but it has been a great year so far. Everyone at Campbell Wealth is doing well, and we’re excited for the new tax structure. The team has been diving deep into the nuances of the new law. If you have questions or concerns, we’re here to help. Looking back on the past few months, we can see the expected pullback in the markets. In response, we adjusted our portfolios accordingly. Market volatility can be stressful, but when you have a team standing with you to manage volatility, it can help you remain confident. On the home front, the Campbell family has been getting the most out of 2018. Our kids have started their respective sports again, meaning all of our schedules are packed. There’s never a dull moment. My weekend afternoons and evenings are consumed with cheering them on. Connor, our oldest, has started baseball. He says his high school team looks really good this year, and he’s excited for the season ahead. Carter is back on the JV lacrosse team, and he is looking forward to the upcoming season, too. Codie has also joined a team. This year, she’s taking part in girls’ softball, which is a new sport for her. Both mom and dad are thrilled that she’s trying out a new sport, and we have no doubt she will do great! Speaking of mom and dad, Kim and I have been diligently juggling our schedules to get each of the kids where they need to be on time. We’ve been doing our best to strike a balance so they are home at a reasonable time and can get plenty of sleep (and so we can get plenty of sleep, too). That rest is put to good use the next day when everything starts over again!

I’m glad our family is able to stay so active. We have a great momentum going into the summer months, when I’m sure we’ll be just as busy — and then some. Before I sign off of this edition of the Campbell Wealth newsletter, I want to bring your attention to a couple of articles you’ll find inside. We’ve been brainstorming new ideas to incorporate into the newsletter and thought it’d be great to hear more from the various members of your team. Our goal is to give you more insight into what we’re thinking and how we’re helping clients every day.

Kelly Campbell

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claim when they discovered that registered dog owners in Sweden had lower rates of cardiovascular disease and a lower risk of death than individuals without dogs. Physical fitness is far from the only benefit of pet ownership. The love and companionship our animal friends offer can alleviate depression or loneliness. Linda Anderson, founder of the Angel Animals Network in Minneapolis, says, “Older pet owners have often told us how incredibly barren and lonely their lives were without their pet's companionship, even when there were some downsides to owning an active pet." Caring for a pet takes work, but for many people, the benefits greatly outweigh the challenges. An energetic dog encourages you to leave the house and go for walks, a talkative parrot makes time spent alone less lonely, and a soft cat curled up on your lap helps alleviate a stressful day. If you can’t have a pet in your home due to lease restrictions or mobility challenges, you don’t have to miss out on the benefits of being around animals. Consider volunteering at a local animal shelter. You can help care for cats, dogs, and other animals while they wait for their own forever home. There are thousands of pets in shelters across the country waiting for someone to care for them. If there’s room in your retirement plan, why not invite one into your home? You might discover both you and your new friend have something to gain.

We tend to picture energetic dogs and cats thriving in young families with children, but animals are often happy to live with older, less active adults. These kinds of homes are especially suited to older animals that might otherwise have to spend their last days in the pound. Depending on your schedule and mobility, you might not want to adopt a large dog. But small lap dogs, cuddly cats, and even birds can make a great addition to your home. As long as you do not suffer from allergies, having a pet can be great for your health. The American Heart Association says pet ownership, particularly dog ownership, may be linked to a reduced risk of cardiovascular disease. Researchers found evidence to support this

Realizing Retirement How One Couple Found Confidence in Retirement

We recently met with a couple who were nearing their transition into retirement. During our chat, we learned that, while the husband had already retired, the wife’s retirement date was fast approaching. The couple didn’t know if they could fully retire in their current financial situation. They were afraid of losing the income of the still-working spouse. They had a number of assets spread across several accounts, but they had no real plan or investment strategy. The couple was taking retirement one step at a time and not looking at the long-term picture. The big question they had was regarding their income and where it was going to come from now that they were both retired. After many conversations, we were able to build an income plan for them, and then we structured a portfolio around that plan.

They understood the next step and left with a newfound confidence in their retirement future. When you or someone you know has a question, or if you’re not 100 percent confident in your retirement plan, let us know. We’ve helped many people find confidence in their financial future, and we can help you, too. –Melissa Voight Client RelationshipManager

Though their assets were spread out, we ensured they had a plan going forward and answered their questions.

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What Does Retirement Mean to You?

Retirement means different things to different people. For some, it’s about bringing their career to a close and indulging in some well-deserved relaxation. For others, retirement is about finally having the time to enjoy activities they previously neglected. We hear many different goals all the time. Some want to write a book, get into shape (or get back into shape), or return to hobbies that fell by the wayside long ago. Some retirees want to focus on giving back to their community by working with local charities. They fundraise, work with hospice centers, and volunteer with organizations like Big Brothers Big Sisters of America. Others want to travel, travel, travel. Two Campbell Wealth clients set their travel plans based on fulfilling their dreams. The husband had a dream of playing every major golf course in the country. The wife had a dream of shopping at every major mall in the city of that golf course. This couple made their dreams of travel work for the both of them. They were able to share this experience by following their dreams and creating a thorough plan around them. No matter your dreams and goals, achieving your ideal retirement takes planning. We’re more than happy to help you put your ideas into a workable plan of action. Please know that we have your retirement dreams covered! –Rich Clement, Director of Client Service

Upcoming Events

OPTIMIZE YOUR SOCIAL SECURITY WORKSHOP Thursday, April 19 6:30–8:00 p.m. Reston Association 12001 Sunrise Valley Dr. Reston, VA 20191

Pasta With Turkey & Broccoli

Ingredients • 3/4 pounds pasta (shells or orecchiette) • 2 cups broccoli florets • 3 tablespoons olive oil • 1 pound ground turkey

• 2 cloves garlic, chopped • 1/2 teaspoon crushed red pepper • Salt • Parmesan cheese

TAXES IN RETIREMENTWEBINAR Wednesday , April 28 9–10:30 a.m.

CLIENT EVENT (FRIENDS WELCOME) Income Planning: Social Security and Tax Planning Under New Legislation Thursday, April 26 at 11:00AM or Thursday, May 3 at 6:30PM Formal Invitation to Follow To register for any of the upcoming events, please email us at or call Carol at (571) 800-6373. Make sure to check out our website to see more upcoming events:

Directions 1. Cook the pasta according to package directions. Add broccoli when pasta is 1 minute from done. Drain both and return to pot. 2. Heat 1 tablespoon olive oil in a skillet over medium-high heat. Add the turkey, garlic, crushed red pepper, and a pinch of salt. Cook while breaking up meat with a wooden spoon for 3–5 minutes. 3. Combine turkey with pasta and broccoli mixture, adding the remaining olive oil as you stir. Serve in bowls topped with Parmesan.

(Recipe inspired by

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700 S. Washington St. Suite 220 Alexandria, Virginia 22314 (703) 535-5300



It’s Never a Dull Moment in 2018 Do Pets Fit Into Your Retirement Plan? Realizing Retirement What Retirement Means to Different People Pasta With Turkey and Broccoli 3 Places to View Natural Wonders

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One-of-a-Kind Naturescapes If you’re lucky enough to be in the right place at the right time, you might see rare magical sights — baby turtles scuttling toward water, glowing lagoons, or a shimmering sky. But when and where do you need to be to catch these natural wonders? Sea Turtles Hatching in Hawaii On Oahu’s North Shore, head to Turtle Beach, which gets its name from the many turtles that nest along its shores. During late spring and summer, the waves subside, allowing turtles to crawl onto the beach to lay their eggs. Baby turtles hatch at night and make their way to the water by the light of the moon. If you do head to the beach at night to see this spectacle, don’t use white light, as it can disrupt the turtles’ progress (that means no flash photography). Eco tip: Look, but don’t touch! It’s illegal to touch a sea turtle in Hawaii. Bioluminescent Plankton in Jamaica Imagine looking out at the water as the sky gets dark and seeing it turn a bright, glowing blue. That’s the sight you might be treated to at Luminous Lagoon in Jamaica, where dinoflagellates, microscopic organisms in the water, lend their glow to the lagoon. These tiny

organisms thrive in areas where salt water and fresh water meet, making the lagoon in springtime an ideal place to see them.

Eco tip: To ensure this magical sight will remain for years to come, always go with a “pack it in, pack it out” mentality. Take all of your belongings with you when you leave and be respectful of the beautiful environment that is yours to enjoy. Northern Lights in Scandinavia One of the most elusive natural wonders, the aurora borealis, can only be seen on dark nights in the most northern parts of the world. That makes Sweden and its Scandinavian neighbors a great place to see the phenomenon. From December through April, you’ll have your best chance of seeing the northern lights. Sightings are dependent on solar activity, so it’s impossible to predict the exact timing and location, but they're easier to see during the longer, darker nights of winter and early spring. Eco tip: Book your trip through a responsible travel company, such as those that practice a fair-trade policy.

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