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CampbellWealth.com • (703) 535-5300 • 330 John Carlyle St., Suite 400, Alexandria, VA 22314 June 2024 REMEMBERING DAD A Journey of Loss, Learning, and Legacy
On Sunday, June 16, we celebrate Father’s Day. When I was a kid, I remember all the conversations surrounding the “nuclear family,” which consisted of a mother, a father, and 2.39 children — the mention of 2.39 children used to make me chuckle back then. But today, it’s more important than ever to celebrate the creators of the nuclear family: a mother and a father. Last month, we celebrated mothers, so it only makes sense that we celebrate fathers this month. The father figure holds significant importance in the family structure, a fact long acknowledged and celebrated. Consider the various references that solidify this significance, such as a father-daughter day, father- son breakfasts, the unique role of the father for a bride in a wedding, and the esteemed title bestowed upon the Founding Fathers. When I think about a father, I think about a strong person — a protector and provider. Maybe I’m a bit traditional, but I know my dad’s importance to me. When I was growing up, he taught me so many things. Because of him, I learned how to fix or build almost anything. We’d spend an entire day working on a car and changing the oil, tires, spark plugs, and air filters. We added additions to my childhood house and built a shed in the backyard. He taught me how to do electrical, plumbing, and sheetrock work. He knew it all, and now, so do I. There was no project too big for us. Well, that didn’t last forever, as my father passed away the summer before my junior year of high school. And while we didn’t always get along, I know I wouldn’t be half the person I am today without him and the wisdom and skills he shared with me. In fact, he is the reason I do what I do today. You see, when he passed away, my mother and father hadn’t done any financial planning. Instead, they were spending all of their money on us kids. They sent us to a small Catholic school, which, while not outrageously expensive, was
still a cost that the family couldn’t necessarily afford. They didn’t have a financial advisor or a financial plan.
When my dad passed away, he had $21,000 worth of life insurance, and because he was the breadwinner and my mother was a part-time travel agent, my mom struggled significantly after his death for many years. All three of us kids got jobs and pitched in where we could. We got loans for school and had student debt for years. Times were a bit rough. But when I look back, I realize how important it was for them to have a financial plan in place. An advisor likely would have told my dad that if something were to happen to him, his family would be in trouble, and they may have recommended life insurance. Then, maybe if he had applied for life insurance, they would have found out during the medical screenings that he had health conditions that could have been treated — and maybe not. However, this is the reason I decided to enter the financial world and take on financial planning. I also know that that’s why each of our clients starts out with a financial plan upon becoming a client so we can look at all of the good, bad, and ugly and prepare for anything that can happen — hopefully good, but always planning for the bad. Then, we review this plan each year to keep our clients on track. It’s the best form of financial protection out there. So, with that, I want to celebrate my dad. This month, let us all remember our fathers, either living or deceased. They likely have a lot to do with who we are today — I know that my dad does!
Happy Father’s Day!
Kelly Campbell
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Empty Nest, Full Wallet Innovative Ways to Make Extra Money
you don’t need anymore. Do a big cleaning excursion in your home and gather everything you no longer use. You can resell clothing and other items online or at resale stores like Play Again Sports or Plato’s Closet. If you opt to sell online, many websites offer extra ease by providing pre-paid shipping and packaging for your deliveries. TRADE IN GIFT CARDS. If you have old, unused, or partially spent gift cards, those are gifts that can keep on giving! Various websites, like CardCash and ClipKard, will trade or buy gift cards from you. You can earn 80%–92% of the card’s value or choose another card you would use. You can gain greater value if you trade for another card at a retailer you use often for household items, like Amazon or Target.
START A SIDE HUSTLE. Do you have a passion, unique skill set, and time? Creating your own business or side hustle can be an excellent way to generate additional income. If you have a hobby where you make things, you can set up a structure to sell those items online. Additionally, if you have a specific skill to share, you can earn income by teaching online or writing and selling an e-book. A side hustle can grow into your primary source of income, or you can keep the scale small. From turning clutter into cash or unleashing your entrepreneurial spirit with a side hustle, the opportunities to generate additional income are as boundless as the sky. So, fly high with these excellent money-earning tips and watch your bank account soar.
As your fledglings spread their wings and fly off into the world, it’s time to feather your own nest with some extra cash. From selling stuff in your closet to starting your own business, you have many ways to make money at this stage of your life. Let’s get started and rake in some extra dough this month with these three tips. SELL YOUR STUFF. You likely have clothes hanging in your closet you haven’t worn in years or electronics sitting around the house
Please join us in congratulating Kelly Campbell as the 2024 Forbes Best-in-State Wealth Advisor. His mission is to provide quality strategies customized to client needs. This recognition is a testament to Campbell Wealth’s concentrated efforts in developing long- term relationships through a commitment to quality client service. “The Forbes Best-in-State Wealth Advisor ranking, developed by SHOOK Research, is based on in-person and telephone due diligence meetings and a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK Research receives a fee in exchange for rankings. Forbes, SHOOK Research, and MAS are unaffiliated entities. Any media logos and/or trademarks contained herein are the property of their respective owners, and no endorsement by those owners of our firm is stated or implied.” Celebrating Excellence Kelly Campbell Named 2024 Forbes Best-in-State Wealth Advisor
We are honored to be recognized as Barron’s 2024 Top 1200 Advisor. Barron’s published the Top 1,200 U.S. Financial Advisors Ranked by State on their website. Kelly Campbell ranks 8th in Virginia for 2024, a move up from last year at spot 10!
Disclosure: The awards, accolades, and appearances are not representative of any one client’s experience and are not indicative of future performance. The Barron’s Top 1200 Financial Advisor Award is available to: (i) all Barron’s actively ranked advisors whose data is obtained from the Barron’s Advisor rankings, as may be updated and supplemented by such ranked advisor through the purchase of an enhanced profile; and (ii) unranked financial advisors who purchase a Barron’s Advisor Finder profile and have applied for a Barron’s Advisor ranking within 18 months or who are registered with the SEC, have at least 25 years of experience as a financial advisor and have no violations on their financial advisor record. Data from unranked advisors is derived from such advisors who have purchased Barron’s Advisor Finder profile.
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HERO HUSKY SAVES THE NEIGHBORHOOD
On Dec. 15, 2023, pet owner Chanell Bell of Philadelphia was taken aback when she noticed that Kobe, her 4-year-old miniature Alaskan husky, had dug a hole in her home’s front yard. This was a stark departure from Kobe’s usual behavior, which Bell initially dismissed as boredom and promptly refilled the hole. However, when Kobe began to dig again in the same spot, Chanell realized something was amiss.
discovered the leak, the line would have posed significant health and safety concerns for the whole neighborhood. “They told me something as simple as a light switch turning on could’ve caused an explosion,” Bell told USA Today. After Bell shared Kobe’s story on social media, it caught the attention of PETA, the People for the Ethical Treatment of Animals, who awarded the young husky the Heroic Dog Award. Inspired by Kobe’s efforts, Bell wrote a children’s book dedicated to him called “The Dog That Saved the Block Before Christmas.”
“We’ve been here at our home for a while now, and he never digs holes,” Bell told USA Today. “So, I knew something was up.”
She investigated further, reviewing footage from the family home’s security camera overlooking Kobe’s newfound digspot. Then, she witnessed Kobe sniff the air around the area before digging the hole in the same spot again. Thinking something Kobe smelled must have alarmed him, Bell phoned Philadelphia Gas Works, which sent a crew out to investigate. The engineers discovered that the gas lines beneath the Bell household were old, dilapidated, and beginning to leak. After fixing the issue, the company told Bell that if Kobe had not
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CampbellWealth.com | (703) 535-5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314
INSIDE Remembering the Backbone of the ‘Nuclear Family’ Unlock the Secrets to Extra Income After Kids Fly the Coop Customized Solutions and Service — The Campbell Wealth Difference How a Pet Husky Prevented Disaster Become an Ambassador! Tips for Affordable Grocery Shopping
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Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC. Advisory services offered only by duly registered individuals through Campbell Wealth Management, LLC (CWM), a Registered Investment Advisor. MAS and CWM are not affiliated entities. Our firm does not offer tax or legal advice. Consult your tax or legal advisor regarding your situation.
YOUR GUIDE TO FRUGAL GROCERY SHOPPING EATING WELL ON A BUDGET
Are you tired of spending more money on fewer ingredients? You are not alone. While prices for most consumer goods have increased, food costs have increased even more. Grocery prices have increased by 25% since 2020, outpacing inflation by 6%. By buying food that costs less, lasts longer, and feeds more people, you can keep your grocery bills manageable while still eating well. Look for these foods at the grocery store to keep your wallet and pantry full! GROUND MEAT Whether it’s chicken, beef, turkey, or pork, ground meat is cheap and usable in many recipes. In addition to a range of options to meet dietary restrictions and preferences, ground meat is sold in larger quantities and costs less than many other forms of meat. Despite not being a “prime cut” option, ground meat is still full of protein that satisfies your hunger. PEANUT BUTTER While everyone loves peanut butter and jelly sandwiches, this inexpensive ingredient can also be used in a number of other recipes. It can be used as a delicious protein additive to smoothies or spread on celery to make ants on a log.
TORTILLAS Tortillas come in two main varieties: corn and flour. The former is more traditional and less expensive, but if you prefer flour, it’s still an economical option. While you can buy pre-cooked tortillas, the flavor is much better when you cook them yourself. If you buy in bulk, you can save the tortillas you aren’t ready to use by freezing them, allowing you to save more and only use what you need. Tortillas are also used by astronauts as a substitute for bread since they don’t leave crumbs when you eat them. If they are good enough for astronauts, they’re good enough for us!
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