Campbell Wealth Management - September 2024

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CampbellWealth.com • (703) 535-5300 • 330 John Carlyle St., Suite 400, Alexandria, VA 22314 September 2024 A Summer of Reflection and Experience Family Travels and the Joys of Parenting

Wow, the summer is over, and what a summer it was! The temperatures stayed in the 90s for what felt like forever, and the market reached new highs and showed a lot of volatility. On a more personal note, though, we had a fantastic summer. We took the entire family to the Amalfi Coast and then spent some time exploring Rome. So, here are some photos from our trip, and oh, what a trip it was!

for all students, but I’m incredibly proud of Carter and Molly. During college, they welcomed their son, Levi, into the world, and I’m amazed at how well they embraced the responsibilities of parenthood at such a young age. Even more impressive is how well they’ve raised little Levi. Their dedication and love are a true reflection of who they are as individuals and what they’ve built together. I believe how someone is raised is really important, but how they raise their children is even more important because that shows what they learned through their upbringing. I recently heard a quote that really resonated with me: “Don’t judge your parenting success by your kids, judge it by your grandkids.” Based on little Levi, I would say that both Carter and Molly had a great upbringing with great values. So, I want to say congrats to Molly and Carter. You make us so proud of what you’ve built for yourselves and for Levi. Do you remember at the beginning of the year when I said that 2024 was going to be a year of experience? I did this to encourage myself and my family to begin to do things we wouldn’t normally do and to get you to think outside the box about doing the things you’ve always wanted to do. I think all too often we put things off, but the sad thing is that we don’t know what tomorrow or next year holds for us. Because we don’t know what tomorrow looks like, it’s so important to experience today. Later in the year, I’ll share some additional pictures and stories of the great experiences we had in 2024, but for now, I want you to realize you only have four months left in 2024, so get out there and create incredible memories. Do it for yourself, your spouse, your grandkids, and even your friends or someone you know who is less fortunate. We don’t know what tomorrow holds, so experiencing today is the most important thing we can do.

Speaking of family, I want to take a moment to talk about my son, Carter. He’s my middle child, and he has an incredible heart and a kind soul. Carter graduated high school during the COVID-19 pandemic, so unfortunately, he missed out on the traditional graduation experience and didn’t get to enjoy a senior trip like his brother and sister did. He began college during the COVID-19 pandemic as well, which meant that even though he moved into his dorm at Radford, he still had to take his courses remotely. His girlfriend, Molly, faced the same challenges. It was a tough time

Kelly Campbell

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Many popular hobbies pose barriers to entry. Running marathons requires fitness, skydiving requires nerves of steel, and video gaming requires skill and money. A growing number of adults in their 50s and 60s are embracing a hobby that is perhaps the most adaptable pastime in the world — photography. For those interested in creative expression, mental and social stimulation, or simply a little low-impact exercise, photography offers a path for everyone. At a stage when personal narratives become more important to many people, photography enables adults to document their life experiences in creative ways. Photographers can choose from vast equipment types at a wide range of prices, from smartphone or point-and-shoot cameras to elaborate gear for nighttime or underwater photography. Potential genres range from landscapes and dark skies to street photography or portraits. And subjects can be found almost anywhere, from inside your home to continents on the other side of the world. Photography offers opportunities to learn about complex topics: You can express your artistic vision through a photo’s composition, lighting, and editing. Hunting for new images motivates people to get SNAP HAPPY Discover the Benefits of Photography

outdoors. Some photographers say they are enriched by the constant search for beauty in everyday life. Photography clubs or photo walks bring together individuals with shared interests. Also, a high-quality photo of a family member or friend can be a cherished gift. To produce an image your subject will love, pay attention to lighting. “The golden hour” often occurs right before sunset or after sunrise, when the light is even and casts a flattering glow, says Maddy, a Boston photographer and TikTok influencer.

Maddy says there is no need for a costly light meter to ensure the most flattering light. Simply hold up the palm of your hand facing you and rotate until your palm is bathed either in all sunshine or all shadow, she says. “Whatever light hits your palm is also going to hit your subject,” Maddy says. The result, she says, is “phenomenal photos of your friends, so they’ll love you even more!” SET IT AND FORGET IT Secure Your Future With Automated Savings

for constant decision-making and helps you maintain discipline. Once your system is set up, money is automatically transferred from your checking account to your savings or investment accounts on a regular basis — it’s that easy. No Temptations to Spend When you automate your savings, the money is moved out of your checking account before you have a chance to spend it. By paying yourself first, you prioritize your financial goals and reduce the likelihood of unnecessary spending. Advantage of Compounding Automating your investments allows you to take full advantage of compound interest, making it an effective way to build wealth. By regularly contributing to your investment accounts, you grow your principal and allow your earnings to generate more over time. The earlier you start and the more consistent you are, the greater the compounding impact will be on your portfolio.

Emotional Decision-Making Investing can be an emotional roller coaster, especially during periods of market volatility. Automating your investments helps remove emotions from your decision-making. By sticking to a regular investment schedule, you avoid the pitfalls of trying to time the market, which can lead to mistakes, such as making impulsive decisions based on short- term market movements. Saves Time and Reduces Stress We all know managing your finances can be time-consuming and stressful. Automating your savings and investments frees up time and mental energy, allowing you to focus on other important areas of your life. With automation, you can set it and forget it, knowing your financial future is being taken care of. Remember: By setting up automated transfers today, you’re taking an important step toward securing your financial future.

Automating your savings and investments is a useful strategy that can help you achieve your financial goals with less effort and stress. Setting up automatic transfers and contributions allows you to make sure you’re consistently saving and investing, which is crucial for building wealth over time. Let’s take a look at some of the key benefits of automating your savings and investments. Consistency and Discipline One of the biggest challenges in saving and investing is staying consistent. Life is full of surprises and unexpected expenses, and it’s easy to miss a month or two of savings. Automating your savings removes the need

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A Tail of Courage K-9 Sonya’s Distinguished Service Is Recognized

A national hero from the U.S. Coast Guard had a lot to wag her tail about this year! K-9 Sonya, an 11-year-old Belgian Malinois, was honored with the Animals in War & Peace Distinguished Service Medal this March for her extraordinary heroism over the past nine years. The hardworking dog has a long list of achievements and continues to serve the Coast Guard proudly. Sonya was one of 18 explosive detection canines in the Coast Guard, assigned to two duty stations, the Maritime Safety and Security Team in Seattle and the Maritime Security Response Team West in San Diego. Alongside her human partner, Sonya’s primary job was to detect and detract acts of terrorism in the U.S. She has performed more than 5,000 hours of explosives detection work and more than 8,500 vehicle sweeps. The pooch’s expertise has helped other local law enforcement agencies handle bomb threats in residential and federal buildings, and she has worked with the FBI and the Bureau of Alcohol, Tobacco, Firearms, and Explosives. One of the highlights of her career was when she found a firearm that was ditched during a high-speed pursuit that was

later linked to multiple homicides. Her work ultimately helped to identify the suspect. Sonya has also had the opportunity to attend major events in the country, protecting guests and fans. Over her career, she worked security for four Super Bowls, the Rose Bowl, the U.S. Track and Field Olympics, U.S. World Athletics, PGA tournaments, and many other mass public gatherings. Sonya has assisted in security for four U.S. presidents, high-ranking dignitaries, and world leaders. Sonya retired in 2023 and was diagnosed with a very aggressive form of cancer, but she didn’t let it stop her from continuing to serve. Sonya worked as the Coast Guard’s first-ever canine recruiter until her passing in April. In a heartfelt message online, Sonya’s handler, Chief Petty Officer James Grant, paid tribute to his partner. “Sonya girl, you were a fighter until the end,” he wrote. “Your loyalty and love will be forever remembered. K9 Sonya, you were the greatest, most loving dog I have ever met.” Sonya’s brave legacy lives on and continues to inspire.

Tasty Turkey Meatloaf This turkey meatloaf is packed with flavor and protein, perfect for a family dinner or meal prep!

INGREDIENTS

• 1 lb ground turkey • 1 onion, diced

• 2 tbsp ketchup • 2 tbsp Worcestershire sauce • 2 eggs • 2 tbsp chopped fresh parsley • Salt and pepper, to taste

• 2 cloves garlic, minced • 1/2 cup bread crumbs • 1/2 cup grated Parmesan cheese

DIRECTIONS

1. Preheat oven to 375 F and line a baking dish with parchment paper. 2. In a large bowl, combine turkey, onion, garlic, bread crumbs, Parmesan cheese, ketchup, Worcestershire sauce, eggs, parsley, salt, and pepper. 3. Form the mixture into a loaf shape and place it in the baking dish. 4. Bake for 45 minutes or until the internal temperature reaches 165 F. 5. Let the meatloaf rest for 10 minutes before slicing.

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CampbellWealth.com | (703) 535-5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314

INSIDE Cherishing Family Moments and New Adventures Shoot Your Shot: Take a Picture Achieve Financial Goals Effortlessly

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With Automated Savings The Belgian Malinois Who Protected America

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Tasty Turkey Meatloaf Beyond Big Ben and Buckingham Palace

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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. Our firm does not offer tax or legal advice. Consult your tax or legal advisor regarding your situation.

FROM TEA TO TOMBS EXPLORE LONDON’S QUIRKY CORNERS

Big Ben’s massive clock face, London Bridge’s walkway, and Buckingham Palace — London is known worldwide for its many historic landmarks. But tucked into all its layers of culture are truly unusual and lesser-known attractions to explore. So, brush up on your Monty Python, pack an umbrella for London’s rainy days, and set a course for the most unique experiences England’s capital has to offer. Twinings Tea Shop A trip to London wouldn’t be complete without tea time, and there’s no better place to explore the city’s historic love affair with this aromatic beverage than Twinings Tea Shop. Opened in 1706, the shop quickly became known for having the finest teas around and continues to serve tasty cups. Twinings has been the official tea supplier to the royal family since 1837, and its original logo remains on the building. Highgate Cemetery If you want to see the city’s spookier side, the Highgate Cemetery is one of the most impressive of London’s “Magnificent Seven” park cemeteries. The Victorian Gothic-style tombs and buildings were built in 1839, and it has a history of vampires, too! Multiple Hammer

horror films were shot there in the 1970s, and two magicians famously challenged each other to find and kill a vampire there around the same time. Neither was successful, but it remains a popular site for lovers of the paranormal and the occult. The First Public Drinking Fountain London is home to perhaps the most fascinating water fountain in the world. This simple granite basin, built in 1859 and adorned with the words “Replace the cup,” was the first public water fountain. Before then, water was precious, monopolized by water companies, rare to come by, and undrinkable. As people pushed for public access to water, a philanthropist named Samuel Gurney created this fountain, attached to the gates of the St. Sepulchre- without-Newgate Church on Holborn Hill. It became an instant hit. An estimated 7,000 people would stop for a drink daily when it first hit the scene. The city has many hidden treasures, whether you hope to catch a vampire in one of London’s historic cemeteries or sip on a culturally esteemed drink.

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