Check out our November newsletter!
November 2025
captrust.com • 703.535.5300 • 330 John Carlyle St., Suite 400, Alexandria, VA 22314
Healthy Habits, Financial Peace, and Thankfulness A November Message
November is here, which means only two months remain in 2025. As we enter this month, I can’t help but think about Thanksgiving. The original Thanksgiving can be traced to the Harvest Feast of 1621, shared between the colonists and the Wampanoag people. Today, many people see Thanksgiving as a time to visit with family and friends, to kick off the holiday season, and, of course, to dive into the shopping season with Black Friday, Small Business Saturday, and Cyber Monday. For me, though, it’s about giving thanks. We are all so blessed and fortunate to live in such a great country. I also like to take this time to celebrate my wonderful family, friends, my CAPTRUST team, especially our Alexandria team, and you, our great clients, who have entrusted us with your life savings. For all of that, I say a big thank you.
Good health is built on three pillars: nutrition, movement, and stress reduction. Take time this month to think about what small steps you can take to improve in each of these areas. It doesn’t have to be drastic; little changes add up. Maybe it’s incorporating a healthier alternative into your meals, cutting back on sugar, or starting a daily walk with a friend. Over time, those small changes can grow into bigger ones, like longer walks or even broader lifestyle adjustments. When I put on my financial hat, I can’t help but point out that much of the stress people experience, especially approaching retirement, comes from money concerns. That’s why having a plan in place and knowing exactly where you stand is so important. Every one of our clients has a financial plan, and they work with a Certified Financial Planner™ who reviews that plan in detail every year. If you have financial concerns, please let us know. If you’re already a client, call your wealth manager. They’ll be glad to review your plan with you. If you’re not a client or if you know someone who could use help, give us a call. We’d be happy to talk about easing those concerns.
November also marks the beginning of the final stretch of 2025, a time to review our goals. With only two months left, it’s an opportunity to finish what we set out to accomplish in 2025 and to start thinking ahead to 2026.
For those who know me, this comes as no surprise: I am all about setting goals and achieving them. Now is the perfect time to wrap up this year’s goals and begin jotting down what you want to achieve in the year ahead. As I always say, what gets measured gets done.
So, for now, I wish you a great November and a wonderful Thanksgiving. Here’s to finishing 2025 with a bang. Use this time wisely. You’ll feel great once you accomplish your goals.
HAPPY THANKSGIVING!
Happy Thanksgiving!
Kelly Campbell
It’s also worth noting that November is recognized as Healthy Lifestyles Month.
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The Secret to a Happy Retirement?
Who says the best years of your life have a curfew? Midlife isn’t about winding down; this exciting second act is an opportunity to blossom, find new joys, and explore your dreams. If you’re at a standstill or having trouble envisioning the future, small changes and mindset shifts can help you rediscover yourself and find happiness in this part of your journey. From focusing on your health to setting new goals, here are a few ways to make the most of middle age and enjoy the ride. CULTIVATE A HEALTHIER YOU. It’s never too late to focus on your health. If it hasn’t been part of your routine in the past, you can start small with manageable exercises and easy diet changes. Ensure your meals contain whole foods, like fresh fruits, vegetables, lean meat, and plenty of water. Fitness journals and apps can help you log what you eat and even provide recommendations. According to the American Heart Association, you should also be physically active, exercising at least 150 minutes a week or 30 minutes a day. Daily walks are a simple, low- impact way to get in shape and can be a relaxing way to start or end your day. Sleep is even more critical as we age, so create a healthy bedtime routine. CELEBRATE WHO YOU ARE. This new chapter of your story can be one of the happiest times to celebrate who you are. Appreciate the little things in your life, whether it's family or watching the sunrise every morning. Gratitude can help you remember everything you have, even when you feel down or not at your best. You can keep a gratitude journal or take a few minutes daily to think about three things you’re thankful for. You get to determine your happiness, so this is a great time to identify ineffective routines or counter-productive patterns over the years and try something different. Establish new habits that put your well-being at the forefront. Don’t compare yourself to the younger you or other people around you. As we age, it’s normal for our bodies to change. Have confidence in your skin now and remember that you are still evolving. This is your beautiful and bold reinvention. THE SECOND ACT YOU DESERVE Creating a Life You Love in Your 50s and Beyond
STAYING SOCIALLY ENGAGED
Retirement is often viewed as a golden period of freedom, travel, and leisure, and for good reason. But there’s a piece that doesn’t always get talked about: the sudden loss of everyday social connections. When you leave the workforce, you’re also leaving behind colleagues, daily chats by the coffee machine, and the rhythm of teamwork. For many retirees, this can lead to feelings of isolation if they’re not intentional about staying connected. LEAN ON YOUR EXISTING NETWORK. One of the easiest ways to stay connected is to reach out to friends and family you already know. If distance is an issue, schedule regular lunches, coffee dates, or virtual chats. A phone call can do wonders for maintaining bonds, and old friendships often just need a little nudge to stay active. JOIN CLUBS AND INTEREST GROUPS. Shared activities make it easier to meet new people. Consider joining a book club, gardening group, walking club, or other community organization. Volunteering is another great option because it keeps you engaged and allows you to connect with others who care about the same causes. KEEP LEARNING AND EXPLORING. Taking classes or workshops is a fantastic way to meet like-minded individuals. Staying intellectually active, whether by painting, cooking, music, or learning a new language, also keeps your brain sharp. Many community centers offer programs specifically designed for retirees. EMBRACE TECHNOLOGY. Technology can help bridge gaps when distance or mobility is an issue. Video calls, social media groups, and apps for seniors make it easier to stay in touch with family and friends. While digital connections are helpful, pair them with occasional in-person interactions for a deeper connection. BUILD A SOCIAL ROUTINE. Finally, make social activities a consistent part of your week. This could be a weekly game night, a monthly dinner with friends, or a daily walk with a neighbor. Regular interactions help replace the rhythm you lost when leaving the workforce and make socializing a natural part of your life.
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LESS SCROLLING, MORE STROLLING THE CASE FOR A DAILY WALK
CREATE A COZY ROUTINE YOU LOOK FORWARD TO. One of the best ways to stay consistent during these cooler months is to make your walk enjoyable. Layer up in comfortable gear, choose a playlist or podcast you love, and set a daily reminder to step outside. Whether it’s 10 minutes around the block or a long weekend loop, consistency matters more than intensity.
As the temperatures dip and daylight starts to dwindle sooner in the evenings, staying active often falls to the bottom of the priority list. It’s easy to settle into the routine of indoor comfort with more screens and less movement. However, carving out time for a daily walk, even in the chillier months, is a simple and effective way to stay physically and mentally sharp.
FALL AND WINTER ARE NATURE’S UNDERRATED WORKOUT MONTHS.
There’s something calming about a quiet sidewalk covered in fall leaves or a peaceful neighborhood dusted with frost. The colder seasons offer a refreshing and grounding change of scenery. A short walk outdoors allows you to unplug and take in the subtle beauty that’s easy to miss when you’re rushing from one indoor task to the next. THE SCIENCE OF SEASONAL MOVEMENT IS REAL. Cooler air does more than wake you up. It makes your body work harder to stay warm, thus increasing the calorie burn of even a casual stroll. That quick burst of movement in the cold can also boost circulation, improve energy levels, and clear mental fog, especially if you’ve been sitting at a desk for most of the day.
MAKE IT SOCIAL, REWARDING, OR BOTH. If you aren’t feeling motivated solo, ask a friend or
neighbor to join you a few times a week. If you prefer going alone, add a small reward: a stop for a warm drink, or the satisfaction of checking it off your daily goals list. These little incentives can make your walk something to look forward to.
Clean Classics Retro Remedies for a Radiant Home
possibility of your little ones becoming future Picassos can become problematic if they use markers to turn your refrigerator, countertops, walls, or other nonporous surfaces into makeshift art galleries. Instead of shrieking in horror upon discovering their creations, reach for rubbing alcohol and apply it to a cloth. Rubbing the fabric on the scribbles will dissolve the pigments, making it easier to restore your child’s ad-hoc canvas to its original, clean condition. Of course, you may want to snap a few photos of your child’s art before wiping it away — and consider purchasing more appropriate things for them to draw on! MINT WILL SUPPRESS SUMMER STINK. Although the air tends to cool off this time of year, summer will be here again before we know it. If heat and humidity
make your garbage cans stink to high heaven, you can find the answer to overcoming the odor in your garden. Grow or purchase fresh mint and place a sprig in each can daily. You’ll be amazed by how quickly the stench goes away. TIDY PET HAIR WITHOUT TIME TRAVEL. Pets bring joy and companionship to our lives, but their hair can do a real number on our rugs and upholstery. Interestingly, the secret to purging pet hair emerged nearly 80 years ago. In the May 1946 issue of Better Homes & Gardens, a reader recommended rubbing a wet rubber sponge on the affected areas — a process that rolls up the hair into easy-to- remove balls. A writer from the magazine decided to test this method last year — and the decades-old directions still did the trick.
Today’s home makeover marketplace is full of high-tech goods and gadgets designed to keep your spaces clean. However, looking to the distant past reveals plenty of practical (and, in many cases, less expensive) options to bring your pad back to perfection. Here are three vintage cleaning tips that still work well today. MARKERS ARE NO MATCH FOR RUBBING ALCOHOL. Most parents encourage their children to explore their artistic side. Still, the
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captrust.com | 703.535.5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314
INSIDE
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November Is the Perfect Time to Reflect, Reset, and Recharge
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Your Fantastic Second Act
Replacing the Daily Grind With Meaningful Connections
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Bundle Up and Step Out
Old Ways, Fresh Days
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Paradise Found
Investment advisory services offered by CapFinancial Partners, LLC (“CAPTRUST” or “CAPTRUST Financial Advisors”), an investment advisor registered under The Investment Advisors Act of 1940. @2025 - CAPTRUST | All Rights Reserved. CAPTRUST does not endorse, nor is it affiliated with any third-party entity mentioned in this newsletter.The information published herein is provided for informational purposes only, and does not constitute an offer, solicitation, or recommendation to sell or an offer to buy securities, investment products, or investment advisory services.
Bungalows and Bliss TROPICAL ESCAPES TO SAVOR
Whether you’re looking to book a tropical trip this winter or want to live vicariously through descriptions of dream destinations, this article is for you! From overwater bungalows to swim-up bars, these resorts redefine relaxation in some of the world’s most glamorous getaways. A Spectacular South Asian Sojourn If you want to add flavor to your wintertime festivities with an international jaunt, the Maldives, just southwest of India, is home to some of the world’s most renowned resorts. Celebrated for its spacious rooms, private pools, and “floating breakfasts,” The Ritz-Carlton Maldives, Fari Islands, boasts seven restaurants offering a vast array of global delicacies. Another Maldives mainstay, Soneva Fushi, offers some of the largest overwater villas in the world — perfect for viewing the area’s breathtakingly clear waters.
And if you’re a fan of exploring tropical travel via social media, you’ve likely caught an eyeful of Instagram favorite Soneva Jani. This Maldives destination provides guests plenty of playful options, ranging from a waterslide to a trip on one of the resort’s seaplanes. Of course, an extraordinary vacation doesn’t necessarily mean spending time in an expansive environment. Those looking to balance luxury with a low-key vibe should check out Gili Lankanfushi Maldives, a boutique resort that invites guests to lounge on a private water hammock as their worries wash away. Fresh Perks in French Polynesia Outdoor bungalows are also a big hit in Bora Bora. In addition to in-room pools, the Four Seasons Bora Bora resort offers guests a view of Mount Otemanu that all intrepid travelers should experience
at least once. Over at the Westin Bora Bora, vacationers can take in the locale’s modern aesthetics while sipping cocktails at its swim-up bar. If you plan to travel with a large group, the two-story Presidential Suites and overwater villas at the Conrad Bora Bora Nui are outstanding options. Not surprisingly, Bora Bora isn't the only place to visit in French Polynesia. Although the Hilton Moorea Lagoon Resort and Spa tends to book up quickly due to its smaller size, it’s worth trying to get a room for this vacation spot’s famous snorkeling sites alone.
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