Campbell Wealth - November 2019

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This month, we’re doing something a little different. Instead of the monthly cover letter from Kelly Campbell, we’re shifting the spotlight to Kim Campbell! As you may know, Kim is CWM’s Director of Finance and Kelly’s wife and longtime business partner. I’ve been with Campbell Wealth Management for 20 years. In that time, I’ve been a part of many transitions, watching many of our clients ease into retirement. I’ve seen as their kids go off to college and start families of their own, each on their own journey. Whether you’re retiring or just sending your kids off to college, these are major emotional and financial transitions. For most people, retirement is the single biggest transition they will make, shifting from the familiar work life to an uncharted territory full of questions. When you’re used to going into the office every day then suddenly you’re no longer making that commute, you may end up asking yourself, “What am I going to do with my time?” This is generally an important question to ask, but it’s especially key when you’re developing a financial plan alongside a wellness plan. You need to know what you’re going to do with your days after you retire, or at least have a good idea. Not knowing what comes next can be paralyzing, but when you have a plan, so much of that fear and uncertainty goes away. This is something we help many clients navigate. If you ever have questions about your plan, don’t ever hesitate to let us know. Of course, not every plan goes perfectly, but at least having one gives you a vision for yourself. Our eldest son, Connor, initially went off to Maryland for college. It didn’t quite work the way he (or we) envisioned. But he made the transition to a new school in North Carolina. He had to adjust his plan, and it was challenging, but he got through it. I’ve been talking about planning with our second-eldest, Carter. He’s in the middle of applying for college and has his heart set on one school.

At the moment, it’s the only school he applied to. I told him he should have a plan B and plan C, but he’s adamant. I'm putting all my positive thought into his choice. Codie, our youngest, is a freshman in high school, and she’s navigating this new chapter of school and life. She has all sorts of interests, and she’ll have to realize that she can’t do it all or she’ll become overwhelmed. It’s great that she has the drive to accomplish so much, but there’s no denying it can be stressful — especially when you throw in being a teenager into the mix. Generally speaking, when you are feeling overwhelmed, write it out. Writing a list or journal entry is a great way to put things in perspective, both in terms of planning and just for clearing your thoughts. Speaking of writing, my third book is coming out this year! It’s set to debut the first week of December, just in time for the holiday season. Kelly has mentioned my writing from time to time in this newsletter, and you may be familiar with the "Triple Crown Trilogy," a series about family, horse racing, and, of course, the Triple Crown. I initially published the first book, “The Calm Before the Storm” in 2015, followed by part two, “The Eye of the Storm” in 2017. I’m excited to have this third book complete. It’s going to be an interesting transition from writing to whatever comes next. I may focus on other interests outside of writing for a while. And as we come to the end of the year, Kelly and everyone on the CWM team is working hard. Of course, we hope you aren’t working too hard! We wish you and your family a wonderful Thanksgiving and holiday season, creating many wonderful memories together. Don’t get too distracted by all the white noise in your life, from the news to social media. The time we have together is precious, and there’s nothing better than being there with our children, grandchildren, and great- grandchildren making those memories. —KimCampbell

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