Campbell Wealth Management - March 2020

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After my dad died, my mother struggled for the next 10 years. They simply didn’t have a plan. My mom received about $21,000 from my dad’s life insurance policy through his work, but that was it. There were so many expenses that fell on her shoulders.

When Kobe Bryant died in January, it shocked the nation. Bryant was in a helicopter with his 13-year-old daughter, Gianna, as well as John Altobelli, a college baseball coach, and six others. Christina Mauser, who coached basketball for both Bryant’s and Altobelli’s daughters, was also on the flight. Every person in the helicopter was in the prime of life. Bryant was only 41. Interestingly enough, Bryant and his wife had an agreement to never fly on a helicopter together. They didn’t want to risk their kids losing both parents, which is particularly tragic in retrospect. Around that same time, we lost one of our clients. It really highlights one important fact: You never know when your time is up. I’ve told the story of my dad. He died at the age of 51 when I was going into my junior year of high school. It happened quickly, without warning, and no one expected it. Sadly, the story of my dad is not a unique situation. Many people have lost loved ones without warning. One day, you’re having a conversation on the phone or going out to lunch together and the next, they’re gone. This is why it’s so important to have your estate plan in place and ready to go — even if you’re in the prime of life. Look at all of your financial obligations, including your accounts, assets, trusts, everything. Make sure your accounts are set up with the correct beneficiaries and that your estate planning documents reflect that. Basically, you just have to ensure all plans you have for your loved ones — your spouse, kids, grandkids, and so on — are in writing and as up to date as possible. When these documents are not up to date, or if you don’t have a plan, it can create major challenges for your family and heirs when you are gone.

My older brother and sister were going into college, and I was going to a small Catholic school. My school wasn’t necessarily expensive, but it still had a cost. This financial burden was on top of a mortgage, bills, and other living expenses. Even with a job, it was extremely hard to keep up. For the most part, you don’t know when your time will come, but there are things you can do here and now to maximize your health and

happiness. One of the best things you can do for your body is to take your nutrition and exercise into your own hands. This might mean meeting with a nutritionist to figure out a meal plan that works for you, but there are also myriad resources online that can help you lead a healthy lifestyle. One book that put things into perspective for me was “Fit for Life.” The book taught me to get more out of what I eat. To maintain my health, I only eat fruit before lunch, and I have a salad with every other meal. This approach has helped me feel better. Happiness is also part of a healthy lifestyle, and to achieve happiness, it’s important to maximize your relationships. Think about the memories you’re creating now with family and friends. It’s the memories and the making of memories that truly define relationships. That’s what makes the biggest impact, not the material assets you leave behind. Looking forward, I challenge you to do three things (or if you’re already doing these things, recommend them to family and friends).

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Feel Like You Can’t Do DIY Projects Anymore? Check Out These 3 Power Tools

DREMEL 7300-N/5 4.8V MINIMITE CORDLESS ROTARY TOOL Getting the amount of precision needed for smaller projects like engraving, polishing, and finish work with older rotary tools is near impossible. Fortunately, this handy power tool is perfect for polishing, cutting small-scale copper piping, engraving, or even spot-grinding a nasty weld. It also weighs only 1.1 pounds, so it’s perfect for intricate engravings or polishing your favorite set of wheels. BLACK+DECKER 20V MAX 5-1/2-INCH CIRCULAR SAW For bigger DIY projects, it might not be realistic for you to work with the heavy, corded, and bulky saws that you used to use. When it comes to home renovations or those bigger DIY projects, there is nothing better than this BLACK+DECKER saw. With a tool-free depth of cut and easy-to-use bevel, it’s so much easier to get the type of cut you need. At 6.1 pounds, it’s painless to manage and less risky when you need to stretch to get a longer cut. Address unused accounts. Do you have accounts you no longer use, old statements you no longer need, or money you can consolidate into current accounts? If you are sitting on old, unused accounts, consider closing them. If you have old statements, shred them. And if it’s feasible, move money from older or unused accounts into more current ones. Dust off old annuities. Do you have an annuity you no longer want? Or are you unsure what to do with older annuities? If you’ve had it for more than 10 years, you can choose to surrender it with no surrender fee. There are a number of options available, including cashing out or coming up with a new plan for an old annuity. Make sure your estate is up to date. Review wills, trusts, and other estate documents you may have. Check up on executors, heirs, and beneficiaries — anyone who may be listed in your estate documents — and make sure everything is up to date and satisfactory to you. As families change and grow, it’s important to keep these documents updated to reflect your current situation.

As you age, it can be harder to tackle the home projects you once did

without a second thought. That said, just because they appear harder doesn’t mean they’re impossible to do. And, luckily,

with age comes experience; you know how to get a job done faster and more efficiently than any 20-year-old would — you just need the tools to do it right. Here are three of the best power tools you can use to turn your home project dreams into reality. MAKITA DT01W12VMAX LITHIUM-ION CORDLESS IMPACT DRIVER DRILL Previous drill models were built out of hard plastic and steel, which made them heavy, hard to maneuver, and difficult to grip. However, Makita drills are designed with soft grip handles, making them easier to use if you have arthritis or other joint conditions. In addition, they weigh only 2 pounds, so they’re safe and easy to handle in the tightest of spaces. That said, don’t let the size fool you: This drill can deliver 800 pounds of maximum torque, making it an ideal drill for your heavy-duty projects.

ARE YOURACCOUNTS COLLECTINGDUST? Spring-Clean Your ‘Financial Closet’

With the arrival of spring this month comes the yearly tradition of spring-cleaning. It’s a tradition many don’t look forward to, but it’s nevertheless important to clean your home and organize your surroundings. But with all of this tidying up, are you also “spring-cleaning” your finances? “Cleaning up” your finances every year is just as important as organizing your home or business. It’s an excellent way to assess your financial well-being and determine if you need to make any changes to your portfolio or any number of accounts you have, from standard savings to retirement accounts. Here are a few steps you can take to clean up your finances. Review your portfolio. Do you know what investments, stocks, or other funds are in your portfolio? While it’s not always productive to keep a constant eye on your portfolio, looking through it at least once or twice a year will help keep you informed about your current investment strategy. You may have stocks that aren’t serving any purpose, or you may want to bring in something new. We sit down with our clients every year to review their plans, but if you ever have questions or concerns during any other time of year, never hesitate to ask.

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M elanie joined our firm in late 2019 as a Wealth Manager. She has 12 years of experience in advising clients and their families. Prior to joining our firm, her experience included working for a local RIA firm, in addition to a large brokerage firm where she developed a focus specifically in helping clients with retirement planning strategies and transitions. She also served two terms on a women’s advisory board with her previous employer, where she addressed the unique preferences of women when it comes to financial planning and worked on solutions to help address the gender gap in the industry. Melanie is a CERTIFIED FINANCIAL PLANNER™, has an executive certificate in Financial Planning from Georgetown University, and is a graduate of James Madison University. She also has her Series 6, 63, 65, and 7 and life-, annuity-, and health-insurance licenses. Melanie collaborates with her clients to co-create and review a comprehensive financial plan and strategy that enhances her clients’ lifestyles and legacies. As a financial steward for her clients, she works to educate them, empower them, and elevate WE ARE EXCITED TO ANNOUNCE OUR We are excited to announce our Inaguaral Ambassador Event. FRIDAY, JUNE 19TH AT 6:00PM CWM Ambassadors are invited to a private reception at Wolf Trap followed by the 25th Anniversary Show of Riverdance . CWMAmbassadors are invited to private r ception at Wolf Trap followed by the 25th Anniversary Show of Riverdance. Not yet an Ambassador? Now is the time to become a member by simply referring someone who may benefit from our services. When your referral comes in for their initial meeting, you will officially become an Ambassador and be invited to this exclusive event. This event is an opportunity to thank you, our Ambassadors, for referring your family and fri nds to Campbell Wealth. Please join us! Not yet an Ambassador? Now is the time to become a member by simply referring someone who may benefit from our services. When your referral comes in for their initial meeting, you will officially become an Ambassador and be invited to this exclusive event. This event is an opportunity to thank you, our Ambassadors, for referring your family and friends to Campbell Wealth. Please join us!  Send your referral information to Mirela Tsai at or call (571) 800 - 6371. Send your referral information to Mirela Tsai at mirela@ or call (571) 800 - 6371. INAUGURAL AMBASSADOR EVENT FRIDAY , JUNE 19TH AT 6 : 00PM

their future financial success and security. Melanie finds great satisfaction in knowing she

can benefit the lives and trajectories of the families she serves. She also believes that the best basis for a

successful long-term-planning relationship is mutual trust, and she works hard to gain the trust of her clients. As the mom of a teenage daughter named Tzipora, she enjoys simply spending time together

as a family. They both enjoy hiking and camping together, going horseback riding, and traveling. They also lead the children’s ministry at their local church and have done mission trips together, including a trip to Haiti in 2018, where they worked together at a school in Port-au-Prince. Melanie defines financial success for her personally as being a continuous process —one that also accounts for contingencies and ultimately provides current and future security so that she can spend less time worrying and more quality time with her family and daughter.

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1. Get your financial life in order. Make sure your financial plan has all the correct pieces attached, including estate documents, insurance, and account information — and make sure your will lines up with your account beneficiaries. 2. Make sure you’re living a healthy life. Challenge yourself to strive for better health. Don’t be afraid to sweat a little and say yes to salad! 3. Finally, focus on your happiness. Have a bucket list full of things you want to do. Start checking off boxes as soon as you can. These are things you’re excited to do, and they can be big or small, anything that brings you joy. Now is the time to make more meaningful memories with those you love. Incorporating those three behaviors into your life will have the potential to change your retirement for the better, even if your retirement is already pretty good. Make a commitment to live for now and get the most out of life.

Kelly Campbell

P.S. I started a new workshop a few months ago that is focused on fun, fitness, and finances. If you or anyone you know might be interested in attending a workshop, please call Carol at (571) 800-6373, and she will provide you with the upcoming event schedule.

Securitiesofferedonlybyduly registered individuals throughMadisonAvenueSecurities, LLC (MAS),member FINRA/SIPC.Advisory services offeredonlybyduly registered individuals throughCampbellWealthManagement, Inc (CWM),aRegistered InvestmentAdvisor. MASandCWMarenotaffiliatedentities.

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

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411 (703) 535-5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314


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You Never KnowWhen Your Time Is Up Best Power Tools for Older Folks It’s Time to Spring-Clean Your Finances Meet Melanie! Stay Stateside WithThese Little-Known St. Patrick’s Day Celebrations



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.

STAYING STATESIDE FOR ST. PADDY’S? Celebrate WithThese Little-Known Festivities

T here’s no place quite like Ireland on St. Patrick’s Day. What was once a purely religious holiday to honor the legend of St. Patrick chasing all the snakes out of the country has turned into a global celebration. But if a trip to Ireland isn’t in the budget, check out these three little-known stateside destinations that are just as festive. Short and Sweet in Arkansas Thanks to the clever thinking of some Irish friends meeting for a pint at a bar on one of the shortest streets in the world, Bridge Street in Hot Springs, Arkansas, the First Ever 17th Annual World’s Shortest St. Patrick’s Day Parade will travel 98 feet once again this year. Don’t assume the turnout isn’t robust just because the distance is staggeringly low. The parade lasts for hours, drawing thousands of people to watch celebrities, musicians, bands, floats, and Miss Arkansas glide by. The event also features a Blarney stone kissing contest and a parade king and queen. A Little Luck in America’s Heartland O’Neill, Nebraska, is home to the world’s largest shamrock and more unique St. Patrick’s Day traditions. This Irish community doubles

down on its heritage every March with a traditional parade, music, and Irish dancing. But the town also hosts a popular dodgeball tournament and donkey

basketball. What could be better than pummeling your opponents in

dodgeball and outpacing the competition while riding a donkey in the school gymnasium? Perhaps enjoying a pint or two with your teammates afterward. And O’Neill is just the spot to do it. Ohio’s Little Piece of Ireland You may not be able to fly to Ireland, but you can visit a little piece of it right in the U.S. Head to Dublin, Ohio, this St. Patrick’s Day for a traditional celebration sure to put a wee bit o’ pep in your step. Partake in a traditional Irish breakfast or enjoy a parade complete with bagpipers and Irish dancers. Boasting one of the largest celebrations in the U.S., Dublin is an affordable alternative for those looking to celebrate the Irish way.

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