Campbell Wealth Management - December 2021

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Embracing the Holiday Spirit Merry and Bright

The holidays are here! Merry Christmas, happy Hanukkah, and happy Kwanzaa! However you celebrate this holiday season, we wish you the very best as you enjoy time with family, friends, and loved ones. This magical season is chock-full of fun traditions that bring the holidays alive in many different ways. Some people serve ham instead of turkey, others volunteer at soup kitchens, some light a menorah, many fill up stockings with small presents, and some bake delicious treats. Reflecting back on my time as a kid, I remember many of our traditions. We had an artificial, silver Christmas tree that had oscillating, multicolored lights. My mother came from a German tradition where we literally had a Saint Nicholas who delivered our presents—not necessarily a Santa Claus. If I’m being honest, the portrayal of Saint Nicolas was a tad scary. I remember seeing him in Germany as a little kid, and he wasn’t as jolly as Santa. We also celebrated a little differently than other families. On Christmas Eve, my father had us go to our rooms and close our doors so Saint Nicholas could come. Then, my dad would make a ruckus while our presents were delivered. That same night we’d be awestruck to see all of the gifts — but, before we could open them, we would stand around our tree, hold hands, and sing “Silent Night” together.

many blessings. In 2021, I’m thankful for a wonderful family, amazing friends, incredible clients (like you), and for my exceptional team that is fully equipped to provide the best service possible. I’m also grateful that we have the opportunity in this great country to be free. Not only to be free to have started Campbell Wealth Management, but the freedoms that others around the world lack which we all sometimes take for granted. This past year has certainly been a struggle for many, and I am appreciative that we are healthy and prosperous.

Then on Christmas Eve, instead of Christmas Day, we would open all of the presents.

I remember not being so thrilled with the whole “Silent Night” part of our tradition, but, looking back, it’s those moments that I cherish the most. It was an important tradition for my mom (just like how she would make delicious weisswurst, or white sausage, along with cabbage each and every year); my parents gave us memories we’ll always hold dear. Now, on Christmas Eve, my wife, kids, and I all open up matching pajamas. When the kids were younger, we would leave a plate with cookies and carrots for Santa and his reindeer, right near the fireplace. The real bummer was that it was a gas fireplace with a small tube — there was no way Santa could fit down that! At the end of the day, what is most important about the holidays is not about giving; it’s about taking the time to be grateful for our

From the Campbell Wealth Management family to you and yours, happy holidays!

Kelly Campbell

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5 Tips for Good Hair Health as You Age Keep Your Hair Lush in Retirement

recommends eating low-fat red meat a few times a week for hair health, but you can also get protein from plant-based sources like tofu, lentils, and chickpeas.

take precedence over others. Certain things, such as paying down debt, will be more important than purchasing a new car when yours runs just fine. Analyze your finances. It is important to know exactly how much needs to be saved for retirement. This way, you can set up an accurate plan. Work with Campbell Wealth Management to achieve your 2022 retirement goals. Our team of professionals is prepared to help you prepare for the future, avoid costly risks, and meet goals that you may not have even realized are attainable. To learn more about retirement planning in 2022, call us today to speak with an experienced wealth management advisor. We are here to help! and either slow your hair’s growth or cause it to fall out! To avoid this, aim for a slow, sustainable weight loss instead. 4. Be gentle with your locks. To keep your hair looking its best, swap your brush for a wide-tooth comb, always be gentle with tangles, and if you have longer locks, avoid styling them in tight buns, braids, or ponytails. High-tension styles can damage your hair. 5. Reduce your stress. It sounds like a cliche, but the healthier you are, the healthier your hair will be! To boost your health, try minimizing the stress in your life with regular exercise, outdoor activities, meditation, and plenty of sleep.

If your hair stylist has a quote on the wall, odds are good it’s this one: “Invest in your hair. It’s the crown you never take off.” No one knows for sure who came up with that saying, but the older we get, the more truth there is to it. It takes time and energy to prevent a lush head of hair from turning into a sparse one. Everyone’s hair thins, lightens, and gets brittle with age. It’s a sign of a long-lived life and nothing to be ashamed of. That said, there’s no reason to lose your hair before your time! Here are five strategies to keep your crown shining as long as genetics allow.

2. Choose natural products that are

tailored to your hair type. When you’re shopping for shampoo and conditioner, look for products without parabens, phthalates, sulfates, alcohol, or silicones. ( has a great guide for this!) You should also buy products made for your hair type, whether that’s oily or dry, coiled or curled. Finally, avoid dying your hair at home or regularly styling it with heat. Both things will damage your locks!

1. Never skip the protein. According

to the Cleveland Clinic, your hair is made almost entirely of protein, and it will suffer when you don’t eat enough! Dermatologist Wilma Bergfeld

3. Avoid crash diets. When you lose a lot of weight at once, you can shock your body

Begin Planning Your 2022 Retirement Goals It’s Never Too Early

2022 is practically here and planning for retirement as soon as possible is the best way to set yourself up for success. According to the U.S. Census Bureau, the average age of retirement for men is 65 and the average age of retirement for women is 63. Having a budget in place helps keep frivolous spending at bay and also helps you be more responsible when it comes to putting money away for retirement. Here are some tips to help you create retirement goals for the new year.

estimate how far out you are from achieving them. Set some for the near future, some for a few years out, and some for a decade out to ensure that you are always on track. Have target dates in mind. For each retirement goal, have deadlines in place to hold yourself accountable. When you have dates in mind, you can then plan how much needs to be saved up along the way. Priority is key. Prioritizing your financial goals should feel a little instinctive, for some will naturally

Give all income a ‘job.’ Take each dollar that comes into the

household and allocate where each goes and see what is left over at the end of the month. Then, that money can go toward paying down debt or saving for retirement. Your financial goals should reflect where you are now and where you want to be in the future. Set short-, mid-, and long- term goals. Your goals need to be measurable and specific. This means that you should be able to

This is intended for informational purposes only and should not be construed as tax advice. Consult your tax advisor regarding your situation.

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Prohibition for the Movies? The Little-Known Story of the Hays Code

If you’ve seen the classic movie “Casablanca,” you might be surprised to learn that the original version was more risque than the one later shown on theater screens. The night Rick and Ilsa shared in Paris was more, ahem, explicitly passionate, but those lines were dropped on the cutting room floor. Why? Well, it wasn’t because of artistic choice. According to Mental Floss, “Joseph I. Breen, the head of the Production Code Administration, personally objected to any reference in ‘Casablanca’ about Rick and Ilsa having possibly slept together in Paris.” What a killjoy! Breen’s objection was backed up by an industry standard of the time called the Hays Code (or officially, the Motion Picture Production Code). This now-forgotten list of rules predated today’s movie rating system and

governed Hollywood from 1934 to 1968, restricting expression in countless movies and TV shows. It was intended to clean up the violent, drug-filled movie business much like Prohibition — which preceded it— had been designed to clean up a drunken America. As the Australian Centre for the Moving Image (ACMI) puts it, “The code prohibited profanity, suggestive nudity, graphic or realistic violence, sexual persuasions, and rape” — but it also prohibited certain kinds of costumes and dances, censored homosexuality, and banished married movie couples to separate beds! Just a few of the stranger things banned under the Hays Code were justifications of revenge, mockery of the clergy, and showing alcohol “when not required by the plot.”

Code without realizing it was to blame for the wacky choices the directors made. For example, Mental Floss reports the code is the reason “I Love Lucy” never showed Lucy and Ricky sharing a bed or used the word “pregnant,” even when Lucy was expecting! It’s also the reason why Betty Boop temporarily lost her garter belt and why the birth scene in “Gone With the Wind” was filmed in shadows. In fact, even a “silhouette” birth should have been off-limits, but somehow, the producers sneaked it through. To learn more about the origins and ending of the Hays Code, check out the NPR story “Remembering Hollywood’s Hays Code, 40 Years On.”

You’ve likely watched movies and TV shows filmed under the restrictions of the Hays

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Embracing the Holiday Spirit


5 Ways to Keep Your Hair Lush in Retirement

Setting Up 2022 Retirement Goals


The Secret History of the Hays Code

Upcoming Events


Worried About Your Gut Health While Traveling?

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Instead, drink plenty of water, which can also help alleviate the risk of constipation. If that’s your main concern, keep in mind that Dr. Ravella says a lack of fiber is the main reason for constipation while traveling. An easy way to avoid this is to eat whole-plant foods, even at restaurants. Follow these tips when you need help fast. Dr. Ravella says that over-the-counter medications, such as antacids, can help your heartburn. If you struggle with mild traveler’s diarrhea, try to keep bismuth subsalicylate (Pepto-Bismol) and loperamide (Imodium) in your carry-on, ready at all times. If your symptoms worsen into fever, bloody diarrhea, bloody vomiting, or severe abdominal pain, see a health care provider right away. Lastly, if you really want to be comfortable while traveling, it might be worth trying a magnesium (magnesium bisglycinate chelate) supplement, which has been shown to improve jet lag and promote relaxation and sleep while traveling. Best of luck!

Why Does Your Stomach Hurt While Traveling? Quick Gut Health Tips for Travelers

Picture this: You’re flying for a holiday reunion with your family. By the time you leave the airport after arriving at your destination, your stomach is already doing flips, and you haven’t even dug into your favorite family dishes yet. If this situation sounds familiar, here’s how you can keep your gut healthy, no matter where you are this winter.

processed foods, and it’s easy to overeat in this setting, placing more stress on your digestive system than at home.” The best solution is to take things slow to avoid overeating. Not only does overeating stretch your stomach, but also “research has found that people who overeat are 10 times more likely to need emergency medical attention for food obstruction,” Dr. Ravella says.

Traveling is stressful — even for your gut. Dr. Shilpa Ravella, a gastroenterologist at NewYork-

Also, even if you wake up at 4 a.m. for your first flight, don’t gulp down coffee all morning. Overconsumption of beverages with lots of sugar, caffeine, or alcohol can irritate your gastrointestinal system, especially if you already have a sensitive stomach.

Presbyterian and Columbia University Medical Center, told Healthline, “Travel can be a hectic time …You may be eating out more and eating new foods in new locations, including more

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