When I started writing this column for Kitsap Business Magazine in early 2025, the goal was simple: make financial planning feel practical. Less intimidating. Less abstract. More real.
When I started writing this column for Kitsap Business Magazine in early 2025, the goal was simple: make financial planning feel practical. Less intimidating. Less abstract. More real.
Money can feel complicated. Markets can feel unpredictable. And financial independence can feel like something meant for “someday.”
Over the past year we’ve covered income strategies, tax planning, emotional investing, gratitude, volatility, and what it really means to build independence instead of just chasing a retirement date. My hope was never that you’d overhaul everything overnight. Just that you’d take one idea and apply it.
This will be my final column for Kitsap Business Magazine, at least for now.
Not because I’m slowing down. If anything, the opposite.
The next chapter is focused on expanding the Fearless message beyond these pages.
My book, Fearless: Creating Financial Independence in an Age of Uncertainty, is launching in April. Alongside that, we’re rolling out a new podcast and video series, Fearless Perspectives, as well as live workshops built around the same core idea we’ve talked about here again and again:
Financial independence isn’t about a magic retirement age. It’s about owning your time.
Those projects take time and energy to build well. And if there’s one principle I try to live by, it’s this: your time is your most valuable asset. So I’m choosing to focus it intentionally.
Before turning the page, I want to say thank you.
Kitsap is full of thoughtful business owners, disciplined savers, hardworking public servants, and families trying to balance today’s expenses with tomorrow’s goals. I’ve had more hallway conversations, coffee shop discussions, and grocery store chats about financial planning than I ever expected. And I’m grateful for every one of them.
Financial education matters. Not because everyone needs complex strategies, but because everyone benefits from clarity.
If there’s one idea I’d leave you with from this entire series, it’s this:
Financial independence is about optionality.
It’s about being able to choose your work instead of needing it.
It’s about aligning income, investments, and taxes so they support your life, not just your lifestyle.
It’s about making steady, intentional decisions that compound over time.
You don’t need a perfect plan. You need a thoughtful one.
You don’t need to predict markets. You need discipline.
You don’t need to wait for January to make changes.
Know your numbers.
Have a plan.
Review it.
Coordinate your tax and investment strategies.
Don’t let short-term noise dictate long-term decisions.
None of that guarantees outcomes. Markets fluctuate. Tax laws change. Life throws curveballs. But clarity and preparation tend to put you in a stronger position than reaction and guesswork.
Whether you follow along through the book, the podcast, a workshop, or simply revisit your own financial plan on your own, my encouragement is the same as it’s always been:
Take action.
Clarity builds confidence.
Confidence builds momentum.
Momentum builds freedom.
Thank you for reading, for the conversations, and for allowing me into your financial thinking this past year. I’m grateful for it.
You will be able to find me at PeaksFinancial.com, and by April, Fearless Perspectives will be launching on Spotify and YouTube and our videos will be on most social media channels
Investment advisory services offered through Raymond James Financial Services Advisors, Inc.
Peaks Financial is separately owned and operated and not independently registered as an investment adviser. Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Peaks Financial- 1050 NE Hostmark St, Suite 200, Poulsbo, Wa 98370 360-564-1811
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