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Back to School … Preview FIMA use, 4% Rule, Emergency fund … Friday …

An illustrated cartoon scene depicting the end of summer and the start of the school year. A group of four disheartened students with backpacks walk slowly toward a brick high school building. A large white banner hanging above the entrance reads "WELCOME BACK STUDENTS! STARTING THIS MONTRAY." A bulletin board to the right features flyers for "SUMMER CAMP PHOTOS" and "FALL SPORTS TRYOUTS," while scattered autumn leaves lie on the concrete sidewalk, symbolizing the transition into fall.

J.K. Financial, Inc. Preview FIMA, 4% Rule, Emergency Fund

John Kvale CFA, CFP
August 14, 2026

The Market Structure has continued to changed … Why we need to understand!

Title: Chasing Speed: A timeline of Progression in Racing, Running, and Internet. Indianapolis 500 Winning Times (Green Trendline): Tracks winning race times decreasing from Ray Harroun in 1911 (~6 hours 42 minutes) through Bill Arnold (1930) and A.J. Foyt (1961), down to modern times around 2 hours 50 minutes. Fastest Mile Run (Orange Trendline): Highlights running speed progress starting with Walter George in 1886 (4:12.75), Roger Bannister breaking the sub-4-minute barrier in 1954 (3:59.4), and Hicham El Guerrouj setting the world record in 1999 (3:43.13). Global Internet Speed (Blue Exponential Curve): Demonstrates rapid technological growth starting from 1990s 56kbps dial-up, moving through 2000s broadband (1–10 Mbps) and 2010s fiber, up to 2020s gigabit fiber and 5G connections (1–2+ Gbps).

J.K. Financial, Inc. Market Structure Update - Faster and Faster

John Kvale CFA, CFP
August 12, 2026

Why you should Check your Social Security Statement – No Matter your age! Confirm you received credit for your Payments/Earnings History! Going on Five time to fix ours!

Double Check that Social Security Statement

John Kvale CFA, CFP
August 10, 2026

Market Structure Preview … On the way back home … Friday

J.K. Financial, Inc. Market Structure Preview

John Kvale CFA, CFP
August 7, 2026

Google is great, but DO NOT use it for searching for a specific website address! Second Clever Cell Text in two weeks – Be Careful!

An infographic titled "Boost Your Cyber Safety Today! 3 Essential Tips to Protect Your Digital Life." A hand holds a smartphone displaying two browser examples: typing a web address directly into the URL bar is marked with a green "Correct" checkmark, while searching for a URL in a search engine is marked with a red "Incorrect" X. A warning bubble next to the phone features a phishing hook icon and says, "Watch out for Scam Texts! Do NOT Click." In the bottom right, an icon of gears and a download arrow is accompanied by the text, "Software Updates: Keep Your Devices Updated and Patched Regularly!" The bottom left corner features the text "Cyber Safe Blog" against a light blue background with faint digital circuits and padlock icons.

J.K. Financial, Inc. Cell Text and Cyber Update Reminder

John Kvale CFA, CFP
August 5, 2026

July 2026 Financial Planning and Capital Market Audio Video Podcast format Review … 30th Holiday Party … Cyber … New Government Accounts … Concentration … Quick Oil take … By John Kvale CFA, CFP

Dark-themed graphic titled "July 2026 Financial Planning & Capital Market Update." On the left, illuminated neon icons illustrate "Cyber Security" (a shield with a padlock) and "New Born Accounts" (baby booties and a $1k seed coin). On the right, financial market graphics depict "Concentration Risk" (a rising line chart) and "Oil Quick Take" (an oil derrick). A banner along the bottom announces "SPECIAL: 30th ANNUAL HOLIDAY PARTY - NOV 22nd."

July 2026 Review by John Kvale

John Kvale CFA, CFP
August 3, 2026

Last Day of a VERY Fast and recently hot July … Monthly Review on Deck … Hot Lately … Friday

$Map of the contiguous United States illustrating widespread excessive heat conditions for late July 2026. A color-coded Heat Index gradient at the bottom ranges from yellow ($95^\circ\text{F}\text{--}100^\circ\text{F}$, Very Hot) to bright pink/purple ($111^\circ\text{F}\text{--}116^\circ\text{F}+$, Excessive Heat). Heat hotspots highlighted on the map include:Desert Southwest & West: Persistent extreme heat in Phoenix ($113^\circ\text{F}+$), Las Vegas ($110^\circ\text{F}+$), and record high temps in Salt Lake City ($109^\circ\text{F}$).Pacific Northwest: Unseasonal extreme heat, including Seattle ($99^\circ\text{F}+$).Southern Plains & Gulf Coast: Dangerous heat and humidity across Texas and Alabama with heat index values up to $112^\circ\text{F}$.East Coast: Lingering heat with major mid-Atlantic and Northeast cities reaching $100^\circ\text{F}$.$

J.K. Financial, Inc. Last Day of July