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August 2025
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Dreams Don’t Expire A Late-Summer Challenge to Dream Bigger
Wow, August already. Why does time seem to fly by so fast in the summer?
and dreams. These are the things that quietly, but powerfully, drive our actions. For example, if I hope to look good in a bathing suit, I have to go to the gym consistently and watch what I eat. If I want to raise great kids, I need to read, learn, and intentionally expose them to experiences that help them grow. If I dream of traveling the world in retirement, I must prepare now, both physically and financially, to make that possible. As many of you know, I’m a big goal setter. And every one of those goals has been a direct extension of my hopes and dreams. In fact, over the years, I’ve created vision boards filled with pictures that represent the life I want to live. And guess what? I’ve accomplished almost everything I’ve ever put on those boards. It really is amazing what you can achieve when you set a clear vision and put your mind to it. So now, as summer winds down, I have a challenge for you, especially if you’re over 50, which many of our clients are. Take one hour to sit down and write out your hopes and dreams. You might think you’ve already accomplished all your dreams, but I encourage you to shift your mindset to this: “I’ve only just begun.” Whether you’re in your 50s, 60s, 70s, 80s, or even 90s, believing that you’re
just getting started can have a powerful impact on your life. Writing down new hopes and dreams is the first step toward turning them into reality. Here are a few ideas to get you started: • Get back into shape (if you’re not already) • Take the whole family, kids and grandkids, on an unforgettable vacation • Go on a cruise • Ride in a hot air balloon • Run a marathon • Go on a safari • Surprise your spouse by helping them live out one of their dreams Whatever your dream is, write it down. That simple step is half the battle. And if you really want to bring it to life, create a new vision board with photos that represent your goals. Then look at it every day. If you do that, I promise, you’ll begin to achieve many of those dreams. And if that’s the case, why think small? Start thinking as big as you can because, truly, you can achieve anything. Enjoy the rest of your summer and have a great time chasing those dreams!
At the end of this month, we’ll pause to commemorate an important moment in history: August 28, 1963, the day Dr. Martin Luther King Jr. delivered his iconic “I Have a Dream” speech. His message was one of equality, hope, and unity. He shared a dream of a future where people would be judged not by the color of their skin, but by the content of their character. He dreamed of a world where all races could live together in peace and harmony. That incredible speech got me thinking about dreams — specifically, our own hopes
Kelly Campbell
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In most families, holidays, special occasions, and Sunday dinners usually revolve around laughter and food — lots of food. Whether it’s Grandma’s famous biscuits or that secret chili recipe your uncle swears he’ll take to the grave, these dishes are part of what makes your family your family. So, why not gather all those delicious memories into one place by creating a family cookbook? Know your why Before you dive in, decide what your cookbook is for. Is it a holiday gift? A legacy project? A fun way to organize weeknight favorites? Knowing your purpose will guide the tone, design, and care you put into it. Gather the goods Now comes the fun (and sometimes chaotic) part — tracking down recipes from relatives. Send a group text, email, or social media post asking for their go-to dishes. Encourage everyone to include personal stories, tips, or funny kitchen mishaps. That’s the good stuff that makes your cookbook meaningful. Choose an organizational style You could go the traditional route with categories like appetizers, mains, and desserts, or get creative with sections like “Grandma’s Greatest Hits,” “Cousin Potluck Favorites,” or “Holiday Classics.” Just pick a format that feels natural and easy to follow. Test and tweak as you go Some family recipes live in the land of vague directions — “a dash of this” or “cook until it smells right,” etc. If needed, test the recipes and jot down more precise measurements or instructions. Trust me, your future self will thank you. Add a personal touch Photos can take a cookbook from good to unforgettable. Include pictures of the dishes, handwritten recipe cards, or candid family cooking moments. Even simple design details — like using someone’s handwriting or a family saying — can make it feel special. Pick a format You don’t need to be a professional designer to pull this off. Tools like Canva, Shutterfly, or even Microsoft Word can help you create a layout. Decide whether you want to print physical copies, go digital, or do both. Don’t forget to embrace imperfection Remember, it doesn’t need to be perfect! A little mess here and there adds charm. What matters is preserving the joy, tradition, and flavor of your family’s kitchen. A Taste of Home CREATE A FAMILY COOKBOOK FULL OF LOVE AND FLAVOR
This year’s exclusive ambassador event will be an unforgettable evening honoring our valued ambassadors at George Washington’s Mount Vernon estate! This exciting event is our way of thanking those who help us grow the CAPTRUST community by sharing their positive experience with friends and family. Who is a CAPTRUST ambassador? Ambassadors are clients who refer someone who then meets with a CAPTRUST Advisor between now and Sept. 30. Once your referral has had their meeting, you’ll be notified of your official ambassador status for the current program year. Become an ambassador Step 1: Share your CAPTRUST experience with a friend or family member. Use the QR code below to send them to the meeting request form or introduce them to your Wealth Manager through email. Step 2: Your referral meets with a CAPTRUST Advisor to explore whether it’s the right fit. Step 3: Once the meeting takes place, we’ll notify you of your ambassador status. Become an Ambassador CAPTRUST Ambassador Program Celebration at Mount Vernon
Celebrate with us The event at Mount Vernon will be a one-of-a-kind opportunity to connect with fellow ambassadors, enjoy an elegant night out, and experience a meaningful piece of American history, all while celebrating the strength of our client community.
Contact your CAPTRUST Advisor with questions or for more information.
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DESERT HERO Rancher’s Dog Rescues Toddler Lost in the Desert
A tiny desert town along Route 66 in Arizona is home to a new hero — a big, shaggy ranch dog who rescued a toddler lost in the desert this past April. Two-year-old Boden Allen was missing from his Seligman, Arizona, home for 16 hours when a 6-year-old Anatolian Pyrenees named Buford appeared in his owner’s driveway with the child at his side — 7 miles from Boden’s home. Buford’s owner, Scotty Dunton, had heard about the child’s disappearance. “I noticed my dog was sitting by the entrance (to his ranch),” he said, “and the little kid’s standing there with my dog!” He calmed the child, who was unharmed except for a few scrapes and nicks, and gave him water and food while calling authorities. Dunton was overjoyed. “I was
ecstatic that he was okay and that my dog found him,” he said. Dunton asked Boden if he had been walking all night, and the child told him no, he had been lying under a tree. “Did my dog find you?” Dunton asked Boden. He wasn’t surprised when the child said yes. Dunton traced the little boy’s tracks more than a mile from his ranch, with Buford’s paw prints beside them. “That’s what he does,” Dunton said of Buford. “He loves kids. I can imagine he wouldn’t leave him when he found him.” Dunton’s discovery of the little boy ended an anxious 16-hour search by more than 40 search-and-rescue volunteers, sheriff’s deputies, and state public-safety officers. Wearing only a tank top and pajama pants, Boden had wandered away at
about 5 p.m. into rugged desert terrain, where two mountain lions were spotted later that night. Boden’s frantic parents had reported his absence to the Yavapai County Sheriff’s Office. Dunton says he wasn’t surprised by Buford’s protective behavior. “He is a guardian dog. He patrols all night and keeps coyotes away,” he says. The Anatolian Pyrenees is a crossbreed, a combination of a Great Pyrenees and an Anatolian shepherd, known for its intelligence, gentleness, and protective nature. In appreciation for their neighborhood hero, Buford’s admirers piled chew toys, bones, and other gifts on Dunton’s doorstep for days after the rescue.
When to Jump Off the Spinner THE HIGH-STAKES DECISION TO RETIRE
The playground spinner, a circular platform that whirls with increasing speed, is a fitting metaphor for the modern work experience. Much like the challenge of deciding when to jump off the dizzying ride, determining the right moment to retire can be equally disorienting. For high achievers, retirement isn’t just a financial decision; it’s an emotional and psychological one. Many professionals draw their highest sense of self from their career, making the prospect of stepping away quite daunting. Also, societal norms prioritize productivity, stigmatize early retirement, and instill fear of obsolescence, further complicating the decision.
For some, the fear of losing relevance or social standing can overshadow the allure of leisure.
To navigate this complex transition, it’s essential to:
Reflect on Personal Identity: Understand how much of your self-worth is tied to your profession and explore other avenues for fulfillment. Assess Financial Readiness: Work with your CAPTRUST Advisor(s) to comprehend the implications of retirement, especially concerning unvested benefits.
Envision Post-Retirement Life: Cultivate interests and activities that can provide purpose beyond the workplace. Ultimately, just like choosing the right moment to leap off a piece of playground equipment, determining when to retire requires introspection, planning, and courage.
Another factor delaying retirement is the presence of golden handcuffs, unvested benefits, or incentives that tie individuals to their roles. These can include stock options, deferred compensation, or bonuses contingent upon continued employment. Nick DeCenso, head of wealth management solutions at CAPTRUST, notes, “Golden handcuffs tend to amplify the decision about when to retire, and they can complicate the analysis of a retirement plan.”
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captrust.com | 703.535.5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314
INSIDE
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Need a Fresh Start? Take an Hour to Dream Bigger and Bolder
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Cook Up a Legacy
Celebrate Community at the 2025 Ambassador Event
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Against All Odds, a Ranch Dog Brings a Lost Toddler Home
Stepping Off the Spinner Into Retirement
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Nantucket’s Timeless Allure
Investment advisory services offered by CapFinancial Partners, LLC (“CAPTRUST” or “CAPTRUST Financial Advisors”), an investment advisor registered with the SEC under The Investment Advisors Act of 1940. @2025 - CAPTRUST | All Rights Reserved.
Whales, Wine, and Whimsy
Why Nantucket Should Be Your Next Getaway
When many Americans think of vacation destinations, they envision beautiful state parks, sunny beaches in Florida or California, and the mountains of Appalachia and the Rockies. However, many states across the country offer exciting events and beautiful scenery. If Massachusetts isn’t already on your radar, consider giving it a closer look the next time you plan a vacation. Cape Cod has beautiful beaches and a rich history that many don’t know about, and something exciting is always happening in Boston. But if you want to experience the true essence of Massachusetts, take a trip to Nantucket. Nantucket is a small island, only 14 miles long and about 3.5 miles wide. Its history with European settlers goes back over 500 years. First sighted by an Englishman
named Bartholomew Gosnold in 1602, the island was settled by colonists 50 years later in 1659. Not long after, they spotted whales offshore, which put Nantucket on the map. Whaling became the ultimate trade for people living in the area, and the island even became the world’s whaling capital until the 1850s. You can still view whales from the island today, and if you want to get the full story, check out the Nantucket Whaling Museum. If whale watching and museum touring aren’t your thing, you can pursue other exciting activities around Nantucket. The island is bike-friendly, and many trails will take you by all the best sights. Many one-of-a-kind boutiques occupy beautiful historic buildings, and there’s even a public golf course that will leave all your
golfing buddies jealous. If you go in May, you may even experience the renowned Wine & Food Festival. Nantucket is full of historic architecture, beautiful scenery, and friendly people. You might even see a famous face during your visit! This is a vacation you’ll be talking about for years to come!
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