Campbell Wealth Management - September 2020

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A Summer of Change at CWM

Lizette Ayala with Balance Yoga lead us through a morning yoga flow to kick start our day. Sarah Avilas with Dunlap, Bennett, & Ludwig walked us through the importance of an estate plan and how to make sure your assets are protected. Matt Quinn withQuinn's Auction Galleries talked about all the hidden treasure and what's hot and not in 2020.

Summer is over and it’s time to get back to work! As we wrap up our summer at Campbell Wealth, I wanted to go over a number of things we’ve changed these past several months. It’s been a strange but busy year, and in the middle of it all, we’ve worked hard to make improvements to Campbell Wealth. We wanted to make your experience even better, and we hope we’ve succeeded! Here’s a quick recap of some of the changes and updates we’ve made so far: 1. We went virtual with all meetings. Face-to- face meetings are a thing of the past, at least for the time being. We’ve gotten in a lot of practice with virtual meetings and, I’d say we’ve gotten good at them! 2. We reachedmore people through client referrals. This year, we met withmore of your family and friends who you referred to us. We’ve met with people inmany different states. You’ve kept us busy! 3. We branched out with our "Wealth and Wisdom" series. We welcomed a bunch of great guests who shared their insight on several different topics. Guests included: • Janelle with Strategic Inc. talked about wellness and inspired us to be more mindful. • Eileen withWayForth gave us insight into getting started on downsizing. • Health Chef Julia cooked up some healthy alternatives to try in your kitchen. • Tim Cintolo with Prudential covered the importance of privacy and how you can stay protected.

7. In August we introduced the Family Program. If one of your family members (such as a sibling or parent) comes on board, we will aggregate all of your accounts and potentially discount your fee. Outside of some of these big changes or updates, I also want to mention that MarkWagner, our Director of Investments, along with his team, have done a great job across the board—before, during, and after COVID-19 came about. They have been staying on top of things and putting in serious hours for our clients. I know I shout them out often, but they deserve it! We hope you’ve had a good summer. We know, for many, it has come with a unique set of challenges, but we encourage you to look at the pandemic not necessarily as a challenge, but as an opportunity. Look at what you can improve in your life and take action. Consider the things you’ve been putting off and take today to start doing them. From all of us at CWM, we wish you the best— stay safe and healthy!

4. We hired two new teammembers . Rick Baray is our newestWealthManager, and Whitney Burches is our newest Client Services Associate. We’re glad to have them on the team! 5. Our first Ambassador Program event was canceled. Our first Ambassador Program event was originally scheduled in early June atWolf Trap National Park for the Performing Arts. We had hoped to enjoy an evening of "Riverdance" with our Ambassador clients. Unfortunately, we had to cancel, given the circumstances. 6. Future Ambassador Program events are in the works. Given that we can't host an in- person event this year, we are going virtual. We are pleased to announce that our first event is scheduled for Tuesday, Nov. 17 at 6:30 p.m. You can join us from the comfort of your home;

Kelly Campbell

more details inside this newsletter. As a quick reminder, to become an

P.S. By now you should have received the Save the Date for our “Life Beyond Numbers” series. We’ll be holding this series everyWednesday throughout October. This year, we’re going virtual for this informative event. We look forward to “seeing” you there!

Ambassador, simply refer someone who fits our client M.O. (We work with those 55 and older with $500,000 or more in investable assets.) All they have to do is meet with us and you become an Ambassador!

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Is Stress Harming Your Memory? How to Cope With Daily Triggers

causing you stress and how the situation can be remedied. Dealing with a work-related confrontation can be hard, but having that difficult conversation and resolving the problem can ultimately lead to less long-term stress and improve your mental health. Another thing you can do to reduce stress is avoid multitasking. Taking on multiple projects or doing too much in too little time can leave you feeling overworked. Plus, studies have found that multitasking is not effective. You cannot deliver the same results when your attention is scattered as you can when you are focused on one thing. To make matters worse, multitasking takes a major toll on memory and cognition, according to a study from Proceedings of the National Academy of Sciences. If stress is impairing your memory, judgment, or cognition, take the above steps to reduce it. If you find your memory and cognition aren’t improving, consider speaking with a mental health professional to discuss your best next steps. Mental health and stress management are important, and the more we do to improve these areas of our lives, the healthier and happier we will be.

Stress can cause more than just a bad mood and low energy. Over time, mental exhaustion from stress can lead to forgetfulness and reduced cognition. This can hamper your ability to do your job and enjoy life. Though stress is unavoidable, there are steps you can take to mitigate some of the negative effects

of mental exhaustion, including forgetfulness. First, consider the source of your stress. These days, a common stressor is social media. If your feeds are full of bad news and negativity, shut them down. Many researchers suggest that spending less time on the internet leads to better health. Several studies have found that constant internet use, including time spent on social media, is negatively impacting our memories. Research from

Harvard, Oxford, King’s College London, and Western Sydney University all confirm this: Too much internet use is a bad thing. Of course, it can be easier to delete a social media app than it is to eliminate other types of stressors. Coping with a stressful coworker, for example, can be difficult. You have to figure out why they’re


scams” — posing as a family member or friend of victims in an effort to trick them out of their money. The grandparent scam is a common version of the imposter scam. The grandparent gets a phone call from their grandchild who is in serious trouble and needs cash wired to them in a hurry. The only problem is that none of it is true. The “grandchild” is really a scammer and no one is in trouble. The scammer uses fear to get the grandparent to wire the money. In light of COVID-19, scammers posing as relatives or friends tell the victim they are sick and need money for treatment or that they lost their job and need help making ends meet. Another common scam is the “vaccine scam.” The fraudster calls up their would-be victim and tells them about a COVID-19 vaccine. All the victim has to do is send the caller some money and the vaccine is all theirs. The victim sends the money and … nothing. The scammer walks away with the money and moves to their next target. Like with any scam, the best way to protect yourself is to be skeptical. If you receive a strange phone call, email, or text, hang up or delete the message. Never let them talk and never let them use fear against you. If you aren’t sure if a phone call is legitimate, hang up and call your relative back on a known phone number to verify. And finally, remember, you will never get a phone call from a government agency, like the IRS, out of the blue.

This year has a boon for scammers and fraudsters. Since early spring, they’ve been working to take advantage of individuals, families, and businesses impacted by COVID-19. Over the summer, the Federal Trade Commission (FTC) released some of their preliminary findings about these scams. In spring alone, the FTC received over 144,000 complaints from consumers and businesses

reporting suspicious contact related to COVID-19 or the

CARES Act, which helped provide relief to millions through the Economic Impact Payment (the $1,200 check from the IRS) and the Paycheck Protection Program (PPP). As part of their findings, the FTC revealed that COVID-19 scams have cost victims upwards of $93 million. That number is expected to rise as we close out the third quarter of 2020. To get that money, scammers have employed many of their tried-and-true methods, including robocalls and phishing scams. They’ve also used “imposter

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Most people who hear about artificial intelligence (AI) conjure up an image of a robot acting and thinking on its own. However, it’s far more than that. AI systems are used by businesses to identify human behavior patterns and tailor marketing messages. They’re also used by health care professionals to provide diagnoses and monitor trends. And now, AI is being used for financial security. Risk Management Many are concerned about the risk of someone hacking into their bank accounts and cleaning them out. While that can happen at any moment, individuals often have a number of safeguards in place to protect their finances and mitigate this risk. The same is true for businesses, such as banks, credit card companies, or online retailers, though the risks are often far higher for these companies than they are for individuals. How does AI help? It works with data faster and more accurately than a human ever could. By using AI to monitor financial transactions, a company can keep track of the real-time activity of its customers 2 Surprising Ways Artificial Intelligence Protects Your Money and Future

and verify its authenticity. For example, someone who makes a large withdrawal from their bank account might get an AI-generated call, text, or email seconds afterward to verify the transaction. Fraud Detection AI can also predict and flag unusual activity associated with fraud. By combining two of its processes —data management and pattern identification—AI can pinpoint oddities within a person's finances. For example, if a card is used for a purchase in America then used a few hours later for a purchase in another country across the world, AI can detect this suspicious activity almost immediately and send an alert to the cardholder. Additionally, AI is created to learn , which means that over time, it will become more attuned to what is or is not fraudulent activity. Artificial Intelligence is a powerful and beneficial tool for business owners and individuals alike. Read more about what AI is doing in the financial world at .

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700 S. Washington St. Suite 220 Alexandria, Virginia 22314 (703) 535-5300

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ARecap of a FewChanges at CWM Is Stress Making You Forgetful?

Financial Scammers Are at It Again! What Can AI Do for Your Finances? Become a Campbell Wealth Ambassador Upcoming Events The Truth Behind the 21st Night of September



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.

What Happened on the 21st Night of September? 4 Decades of Earth, Wind & Fire’s ‘September’

“Do you remember the 21st night of September?” In 1978, Maurice White of the band Earth, Wind & Fire first asked this question in the song “September,” a funky disco song that quickly topped the charts. While disco may be dead today, “September” certainly isn’t. The song is still featured in movies, TV shows, and wedding playlists. On Sept. 21, 2019, the funk hit was streamed over 2.5 million times. It’s no wonder that the Los Angeles City Council declared Sept. 21 Earth, Wind & Fire Day. The story behind “September” is almost as enduring as the song itself. It was co- written by White and Allee Willis, who eventually became a Grammy-winning songwriter and Tony nominee. But before any of that, Willis was a struggling songwriter in Los Angeles living off food

stamps. When White reached out and asked Willis to help write the next Earth, Wind & Fire hit, it was truly her big break. White and Willis proved to be excellent songwriting partners, but they clashed over one key element of the song: the nonsensical phrase “ba-dee-ya,” which White included in the chorus. Throughout the songwriting process, Willis begged to change the phrase to real words. At the final vocal session, Willis finally demanded to know what ba- dee-ya meant. White replied, “Who cares?” “I learned my greatest lesson ever in songwriting from him,” Willis recalled in a 2014 interview with NPR, “which was never let the lyric get in the way of the groove.” The groove is why “September” has stood the test of time, right from that very first lyric.

For decades, people have asked Willis and members of the band about the significance of Sept. 21. As it turns out, there isn’t much beyond the sound. “We went through all the dates: ‘Do you remember the first, the second, the third, the fourth …’ and the one that just felt the best was the 21st,” Willis explained. The truth is that nothing happened on the 21st night of September — except a whole lot of dancing.

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