Check out our February newsletter!
February 2025
CampbellWealth.com • (703) 535-5300 • 330 John Carlyle St., Suite 400, Alexandria, VA 22314
From Founding Fathers to Modern Leadership Lessons From February’s Celebrations
February is the perfect time to honor our nation’s original founding father, George Washington. Born on Feb. 22, 1732, in Virginia, Washington served as our first president from 1789 to 1797. This month, Presidents’ Day, gives us a special opportunity to celebrate the legacy of our country’s inaugural leader. February also features National Leadership Day on Feb. 20, a day dedicated to recognizing the importance of leadership. Whether you’re leading a country, a city, a company, a small group, or even a family, strong leadership plays a crucial role in the success of any group. Leaders are often admired for their guidance, though sometimes they face criticism — but their impact is undeniable. IMPORTANT NEWS: We Are Partnering With CAPTRUST! We are excited about our new partnership with CAPTRUST and all the benefits our clients will see over time. Stay tuned and don’t hesitate to let us know if you have any questions.
However, the best leaders realize how important it is to do the right thing, not for themselves, but for the group they are leading. I have been the leader of Campbell Wealth for over 21 years and have built a team of people and a set of rules/programs to help bring retirement success to all of our clients. The reason this is so important is because retirement planning has so many moving parts and variables, which can be daunting to most folks close to or in retirement. As the CEO of Campbell Wealth Management, my goal is to simplify the process and make it more approachable while instilling retirement confidence in every one of our clients. You see, it’s tough to retire if you don’t think you have enough money, have the wrong portfolio, are paying too much in taxes, or are making some type of retirement mistake that may ruin the rest of your life. Again, my goal is for every client to have a financial plan that is reviewed by their dedicated fiduciary and certified financial planner.
to keep you, our clients, well-educated, and we want to be there to help you make the best decisions for your retirement. That has been one of my goals for the last 21 years, and now under our new partnership with CAPTRUST, I will continue those same goals. My team and I will be there for you to help you make the best possible decisions. So, I’d like to end with two things: First, if you or a family member has any questions or concerns about your retirement, reach out to us. We can meet to discuss your situation and help address those questions, ensuring you feel confident and secure about your future. Second, don’t forget about our ambassador program! While we’re still finalizing the venue, we’re excited to announce that we’ll be hosting an event in November. If you refer someone who schedules a meeting with us, you’ll become an ambassador and receive an invitation to join us for this special occasion. We are looking forward to seeing everyone in this new year. Have a great rest of February!
I know things will be different with a new administration. As a matter of fact, they already are. We will have new tax rules, retirement rules,
and possibly even different ways to invest, and we want to be on the front end of that. But more importantly, we want
Kelly Campbell
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Have you ever caught a whiff of freshly baked cookies and suddenly found yourself back in grandma’s kitchen? Our sense of smell has a knack for transporting us back in time, thanks to a bank of 50,000 different scents tied to our memories. This little olfactory time machine plays a significant role in our daily lives, taking smells and turning them into emotional snapshots. Get ready to stop and smell the roses because we’re diving nose-first into the power of our nostrils. Scent-sational Memories The olfactory bulb processes scents at the front of our brain, the area that sends information out to the body. Odors go directly to the limbic system, the part of our brain that processes emotions and memories. When we smell something, our brains label it and remember our emotional response to it. So, when you smell those fresh cookies, your mind tells you it’s a cookie and reminds you of the warmth and love you felt as your grandma baked when you were a child. Our nose also protects us by helping us remember smells associated with danger, like fire. Nostalgia in the Air How Familiar Scents Bring Back Memories
Whiff a Mood Lift Scents also impact our moods and feelings. Certain fragrances, like lavender, can make us feel relaxed; others, like fresh citrus, may trigger a boost of energy. The nose and limbic system work closely together. Certain scents activate the release of neurotransmitters like dopamine or serotonin and activate emotions such as happiness. So, the next time you feel nostalgic, light a candle with a scent that reminds you of home, and your nose will transport you down memory lane.
CREATING MEMORIES FOR EVERYONE How to Plan the Perfect Multi-Generational Vacation
something for everyone. Resorts, cruise ships, and family-friendly cities often cater to a wide range of interests. Look for places that offer activities for kids, relaxation for adults, and accessibility for older family members. National parks, beach towns, or theme parks can be great options, depending on your family’s preferences. Plan Activities for All Ages One of the joys of a multi-generational vacation is spending time together, but it’s important to balance group activities with free time. Schedule outings that everyone can enjoy, such as family dinners, guided tours, or game nights, but also allow for smaller groups to pursue their own interests. For example, you may enjoy a leisurely morning coffee while the kids hit the pool. Accommodations Matter Where you stay can make or break your trip. Opt for accommodations that provide enough space for everyone to feel
comfortable. Vacation rentals with multiple bedrooms, family suites, or connecting rooms at a resort are ideal. Having a shared common area like a living room or patio, encourages quality time, while private spaces ensure everyone gets the rest they need. Communication Is Key Involving everyone in the planning process can make the trip smoother and more enjoyable. Use group chats or video calls to discuss preferences, dietary needs, and activity ideas. Setting expectations early — especially about budgets, itineraries, and responsibilities — helps to avoid misunderstandings and
Planning a multi-generational vacation is an exciting way to bring your family together and create memories. No matter how old everyone is, these trips offer the chance to reconnect, strengthen bonds, and share experiences across all generations. However, coordinating a vacation that caters to everyone’s needs and preferences can be a challenge. With some thoughtful planning, you can make it a success for everyone involved. Choose the Right Destination The key to a successful multi-generational vacation is picking a destination that has
ensures everyone feels included. Make Time for Being Together
While the ins and outs of multi-generational travel can be complicated, remember that the goal is to enjoy quality family time. Whether it’s laughing over a meal, exploring a new place, or kicking back and sharing stories, these moments are what make the trip truly special.
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Lost but Not Forgotten
A Determined Feline Finds His Way Home No Matter the Distance
Cats are known for many things: their independence, impeccable balancing skills, and endless fascination with shoelaces. However, who would have guessed that our beloved feline friends have an innate GPS built into their brains? This furry tale of two kitties all started when a California couple, Benny and Susanne Anguiano, decided to take their two cats, Rayne Beau and Starr Jasmyn, on their first trip to Yellowstone National Park. The couple says this wasn’t the cats’ first rodeo. In fact, they loved looking out the big windows of the RV at the different wildlife. However, their epic park adventure turned into a nightmare on this particular trip. Shortly after arriving at Yellowstone, something startled Rayne Beau, and he ran
into the forest. The couple searched for him for four days, leaving out some of his favorite treats and toys to lure him back to them. Unfortunately, Benny and Susanne’s efforts were short-lived, and they had to return home to Salinas, California. Susanne never lost hope and recalls a moment during their trek home when she saw a double rainbow in the sky. “That’s a sign for our Rayne Beau that he’s going to be okay,” she said. The Anguianos finally got the call they had been waiting for about two months after their Yellowstone trip. Their microchip enrollment company called and said Rayne Beau had been found and turned in to the Placer SPCA in Roseville, California (over 800 miles from Yellowstone and 200 miles from their home)!
The next day, Benny and Susanne drove to Roseville to pick up Rayne Beau. Upon arrival, they discovered he had lost 6 pounds, had minor paw injuries, and was malnourished. While seeing their beloved fur baby in such a condition wasn’t easy, the Anguianos made it a point to fit their cats with AirTags and Rayne Beau with a GPS tracker. Rayne Beau’s ability to find his way back home remains a mystery. However, it proves that love (and feline internal GPS) can overcome any obstacle, no matter the distance.
BETTER BUDGETING THE BENEFITS OF THE 50/30/20 RULE
For many people, getting the most out of their hard-earned money can be a challenge. Thankfully, the 50/30/20 rule is here to help! This simple budgeting rule is straightforward, easy to remember, and useful (if you stick to it). According to the rule, you should take 100% of your after-tax income and allocate it in three different ways: 50% for needs, 30% for wants, and 20% for savings. For more on how to use the rule, read on! Needs Half of your money should be put toward necessary expenses: groceries, utility bills, health care expenses, loans, mortgages, and other payments. However, you may need more than 50% of your money to cover your mandatory expenses, and the remaining money should be split between wants and savings as evenly as possible. Your needs could also require less than half of your after-tax income. In this case, use the leftover money to pay down loans and debts so you will have more money to dedicate to savings and wants in the future.
Wants What good is life if you can’t enjoy yourself? The rule says you should apply 30% of your after-tax income toward your wants. This portion can be spent on everything from tickets to see your favorite sports teams, a premier “Jurassic Park”-themed pinball machine, or eating out at a restaurant. However, it should only apply to things you want to spend money on immediately — not long-term investments. Savings The last 20% is the money you save for a rainy day. It can be cash you are saving for a dream vacation, money invested in a 401(k), or simply put into a savings account. Any long- term investment you make will fall into this category. While the 50/30/20 rule is not an exact science, it is worthwhile for budgeting your money responsibly and equitably!
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CampbellWealth.com | (703) 535-5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314
INSIDE Leadership Shapes Success Sniff Back in Time Tips for Planning a Multi- Generational Getaway A Cat’s Pilgrimage From Yellowstone to California Why You Should Use the 50/30/20 Rule
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Must-Have Apps for Smart Travelers
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.
TRAVEL SMARTER WITH THESE TOP APPS TOOLS TO PLAN, EXPLORE, AND SAVE
Travel is meant to be exciting, but let’s face it, planning a trip can quickly become overwhelming. From booking flights to navigating new destinations, the process often feels like a juggling act. Luckily, with the right travel apps in your pocket, you can streamline your journey and make the trip more enjoyable. Whether you’re a budget-conscious traveler, an over-planner, or an explorer searching for hidden gems, these apps offer tailored solutions to meet your needs. Budget-Savvy Travelers Travel doesn’t have to break the bank. Apps like Hopper and Skyscanner help you find the best flight deals by tracking prices and sending alerts when fares drop. Hopper even predicts the best time to book so you don’t have to be glued to the phone watching prices.
For accommodations, Airbnb or Vrbo have options for every budget, from cozy apartments to unique stays in treehouses and boats. Planners and Organizers If juggling flights, hotels, and everything else that goes into a trip feels overwhelming, you need TripIt. This app organizes all your plans into one easy-to-access itinerary, taking the stress out of travel planning. For even more streamlined travel, pair TripIt with Google Maps, which provides real- time navigation and lets you save locations and download offline maps. Adventurers If you’re hitting the open road, Roadtrippers is the perfect travel companion. This app maps your journey while highlighting
quirky attractions, scenic routes, and hidden gems along the way. With everything from historical landmarks to offbeat roadside stops, Roadtrippers turns your road trip into a memorable adventure. Why These Apps Matter When you’re out adventuring, travel apps are the ultimate problem-solvers. They’re your travel agent, personal assistant, and local guide, all in the palm of your hand. From booking a last-minute flight to figuring out the best way to get from point A to point B, these tools put you in control of your journey so you can focus on enjoying the trip.
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