Check out our September newsletter!
September 2025
captrust.com • 703.535.5300 • 330 John Carlyle St., Suite 400, Alexandria, VA 22314
Two-Thirds Down, One-Third to Go LET’S FINISH THE YEAR STRONG
Wow! It’s already September. As we close out the summer and head into the last four months of the year, I always get a bit antsy. You see, I’m a very goal-oriented person, and I set annual goals based on the calendar year. When September hits, it dawns on me that two-thirds of the year is already over, and only one-third remains. That realization kicks me into gear. It’s time to get cracking. SETTING GOALS STILL MATTERS IN RETIREMENT. Retirement is a phase of life filled with freedom: limited schedules, fewer deadlines, and hardly any rules. When you’re working, you’re bound by structure and timelines. But in retirement, you could technically sleep all day or never get out of your pajamas, and no one would even notice.
the one outlining what you wanted to accomplish in 2025, and start working on it again. As of August 30, we’ve got four months left in the year. That’s still plenty of time to make real progress. Your list might include things like: • Cleaning out the garage • Getting a quote for that long-postponed home remodel
• Planning next spring’s vacation • Completing a Roth conversion
Whatever’s on your list, the deadline is approaching. Now’s the time to take action. DON’T HAVE A LIST? START ONE TODAY. I hope this message motivates you to check things off your list. But even if you don’t have a list, maybe this is the nudge you need to create one. I always set goals, and I almost always accomplish them, and often more, because I write them down. That simple habit makes a huge difference. And if you’re not sure where to begin, reach out to your wealth manager. They can help you brainstorm goals for the rest of 2025, and even into 2026. If you want, they can check in with you periodically to hold you accountable. Once you start this process, I think you’ll find it incredibly rewarding. You’ll get more done, feel more fulfilled, and enjoy the journey. So, good luck and enjoy the beautiful month of September!
And that’s the problem.
As human beings, we’re wired to achieve things. Without that sense of accomplishment, we feel deflated. Left unchecked, that feeling can spiral into depression. It becomes a downward cycle. I’ve always believed in this mantra: What gets measured gets done. That’s why I try to write everything down. For example, we used to host a summer party every year and invite over 200 people. I’d create a to-do list that was several pages long, packed with tasks I needed
to complete beforehand. The amazing thing was that nearly everything on that list would get done, and quickly. Why? Because it was measured. I had a plan, and I was tracking my progress.
WE SHOULD TALK ABOUT SEPTEMBER GOALS. Now that we’re in September, it’s time to revisit your goals. Pull out that list you made at the beginning of the year,
Kelly Campbell
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20250818-4756528
After a long week of work, many Americans relax, participate in their hobbies, and try to avoid increased responsibilities during the weekend. While this can be beneficial for your mental health, have you ever felt like your week was off to a rough start as soon as Monday rolled around? There’s nothing wrong with relaxing on the weekend, but putting aside your responsibilities for a few days can put you behind the eight ball. Sunday Habits That Set You Up for the Week NO MORE MANIC MONDAYS
Retirement used to mean living off a pension, Social Security, and maybe some modest savings. But today, many retirees are looking for ways to keep their cash flow strong without having to clock in anywhere. That’s where passive income comes in. Passive income means money that rolls in regularly with minimal day- to-day effort. It adds stability, flexibility, and peace of mind to your retirement years. Let’s take a look at a few smart, realistic ways to build passive income in retirement. REAL ESTATE RENTALS (WITHOUT THE HASSLE) Owning a rental property can be a steady source of monthly income. But if dealing with tenants or leaky faucets isn’t your thing, consider hiring a property manager. You’ll still get the income without the stress. Alternatively, real estate investment trusts (REITs) offer exposure to real estate markets without owning physical property. DIVIDEND-PAYING STOCKS Dividend stocks are like a paycheck from your portfolio. You invest in companies that share their profits regularly, and over time, those dividends can add up. Many retirees use dividend income to supplement Social Security or cover monthly expenses. PEER-TO-PEER LENDING Through platforms like LendingClub or Prosper, you can lend money directly to individuals or small businesses and earn interest in return. While there’s risk involved, diversifying your investments can help spread that risk out. CREATE AND MONETIZE SOMETHING ONCE Do you have expertise in a certain area? Consider writing an e-book, creating an online course, or licensing your photography. With a little effort up front, these creative ventures can provide long-term income. ANNUITIES FOR PREDICTABLE PAYMENTS An annuity isn’t technically passive income, but it can feel like it. You make a lump-sum payment to an insurance company, and in return, they pay you a guaranteed monthly income. It's a great option for those who value security and structure. Retire Smart 5 WAYS TO EARN MONEY WITHOUT CLOCKING IN
You don’t need to set aside your
Sunday to deep-clean the house from top to bottom, but adding beneficial habits
to the final day of the weekend can ensure every week starts on the right foot.
Declutter Decluttering and clearing your space will directly impact your mental state.
This can be an overwhelming task at times, especially if you have a house full of kids, but you can make it manageable by keeping up
with it every week. It might be easier once the kids go to bed, but take a few minutes every Sunday to walk through your house and pick up any items off the floor, on furniture, and anywhere else they may be lying. Plan Ahead Nothing will better prepare you for the week ahead than planning. Look through your work schedule and your kids’ calendars to make sure you’re aware of upcoming events, games, or practices. You could also consider meal prepping if the upcoming week looks busier than usual. To take it a step further, prepack your kids’ lunches, lay out clothes for the workweek, and write down additional responsibilities you’ll have throughout the week. Light Cleaning As stated earlier, you don’t need to deep-clean every week, but your home will look much better if you establish weekly light cleaning behaviors. Wipe down the surfaces in your kitchen, clean the windows, and give your floor some love by mopping, vacuuming, or sweeping. If you have the time and energy, consider doing a load of laundry or two. These little tasks will add up, making your house consistently sparkle.
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MOVE OVER, PARIS Bordeaux Is France’s Best-Kept Secret
back over 2,000 years, and you can still experience the area’s love of wine today. Le Bar à Vin and Le Bistro du Fromager are beautifully decorated wine bars that will leave you stunned, unlike anything you can experience stateside. And if you want to take it up a notch, you can visit La Cité du Vin, Bordeaux’s interactive wine museum, and enjoy a glass under a chandelier made from a thousand bottles. Even if you’re not a wine drinker, there’s plenty to enjoy in Bordeaux. Those interested in fashion or shopping will love walking down Rue Sainte Catherine, Europe's longest pedestrianized shopping street. If that’s too crowded for your liking, you can enjoy shopping in the historic Chartrons district. As you walk through the city, you’ll surely see towers that look straight out of a fairytale or Disney movie.
If you’re visiting during the first Sunday of any month, you’ll get to hear the Grosse Cloche belfry ring its 250-year-old bell! For adventurers, just 37 miles southwest of Bordeaux is Dune du Pilat, Europe’s tallest sand dune, also famous for paragliding. Now, it wouldn’t be a visit to France without taking in some art, and Bordeaux won’t leave you disappointed. The Musée des Beaux-Arts and the contemporary art museum CAPC are both worth a visit, and your trip won’t be complete until you stop by the awe-inspiring Monument aux Girondins, a free-flowing fountain over a beautiful bronze sculpture. If a European vacation is on your bucket list, consider visiting Bordeaux when you go. It might just be the highlight of your entire trip!
When you hear about people taking trips to France, your mind likely conjures images of the Eiffel Tower, delicious high-end French cuisine, and a view of the “Mona Lisa” at the Louvre Museum. However, there’s much more to France than the scenic beauty and decadent flavors found along the streets of Paris. If you want to experience the best of France, you must spend time in Bordeaux. While we often refer to Napa Valley and Sonoma County in California as wine country, Bordeaux is the original wine region. Its history with wine dates
We’re excited to invite you to one of our most anticipated events of the year: the 7th Annual Life Beyond Numbers Expo! Whether you’ve attended in the past or this will be your first time, we promise a full day of insight, inspiration, and connection. This exclusive, client-focused expo is designed to help you live well beyond the numbers. It will feature engaging speakers, informative sessions, and access to trusted local vendors. You’ll walk away empowered with practical tools and knowledge that support your financial, physical, and personal well-being. You’re Invited Discover What’s Possible at the 7th Annual Life Beyond Numbers Event
Market Outlook and Economic Insight To wrap up the day, Kelly Campbell and Mark Wagner will provide a comprehensive third-quarter market update and offer a forecast for the fourth quarter of 2025. Their expert insights are always a crowd favorite. Networking and Local Business Showcase Meet and support local vendors who offer services and products relevant to your lifestyle. It’s a great opportunity to discover new resources in your own community. Delicious Food and Great Company Enjoy a complimentary continental breakfast and lunch while connecting with fellow clients and friends. All clients are invited, and we encourage you to bring a guest who may benefit from our services. Whether it’s a friend, neighbor, or family member, all are welcome to attend and learn.
SAVE THE DATE What: 7th Annual Life Beyond Numbers Expo When: Friday, October 17, 8:30 a.m. to 4:30 p.m. Where: Springfield Golf & Country Club Who: All clients are invited and
Here’s what’s in store:
Dynamic Presentations Tailored to You This year’s topics are as timely as ever: • Credit Score Management: Learn how your score is calculated and what you can do to improve it. • Increasing Your Asset Basis: Discover strategies to make your assets more tax-efficient. • Boosting Your Metabolism: Gain simple tips to enhance your energy and vitality.
welcome to invite their friends who may be interested in our services.
We look forward to seeing you there!
Call Us Today 703.535.5300 • 3
20250818-4756528
PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
captrust.com | 703.535.5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314
INSIDE The Secret to Getting Things Done in Retirement? Set Goals 1
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Turn Lazy Sundays Into Your Productivity Power Hour
The Retiree’s Guide to Creating Passive Income
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The French City That Has It All (and Then Some)
Join Us for Our Annual Client Expo!
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Five Stunning Fall Hikes to Take This Season
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.
THE ULTIMATE FALL HIKING BUCKET LIST
LEAF LOVERS WELCOME
Acadia National Park, Maine If you want coastal charm mixed with fall colors, Acadia National Park delivers. Right along Maine’s gorgeous coastline, this park is full of color and stunning ocean views — a rare combination! Great Smoky Mountains, Tennessee and North Carolina The Smoky Mountains are a fall favorite known for their endless ridgelines and misty valleys. Mid-to-late October is peak foliage season, especially along trails like Alum Cave or Clingmans Dome. Columbia River Gorge, Oregon If you’re looking for some of the most gorgeous waterfalls you’ve ever seen, the Columbia River Gorge is the spot! Trails like Multnomah Falls or Eagle Creek
There’s something special about getting outdoors and hiking this time of year. The air is crisp, the bugs are (mostly) gone, and the trees show off their fiery red, yellow, and orange leaves. Whether you’re a seasoned trekker or just looking to enjoy leaf-peeping and fresh air, fall is the ultimate season to hit the trails. And the U.S. is brimming with stunning places to do just that. Aspen, Colorado Come September, the mountainsides come alive with beautiful golden aspen leaves, hence the name! Hikes like the Cathedral Lake Trail or Maroon Bells Scenic Loop offer beautiful views of alpine lakes with gorgeous foliage and snow-dusted peaks. Just be sure to bring layers — mountain weather can be moody!
offer pretty fall colors, mossy cliffs, and cascading waterfalls. Shenandoah National Park, Virginia Just a short drive from Washington, D.C., Shenandoah National Park is a hidden gem for fall hiking. The Dark Hollow Falls Trail offers a challenging climb with stunning views of the Blue Ridge Mountains. For something gentler, the Stony Man Trail is perfect for families and still offers breathtaking scenery. With over 500 miles of trails, Shenandoah is a fall favorite on the East Coast.
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