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$treet-¢ents
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Winter 2026 J.K. Financial, Inc. Newsletter … RMD … Charitable Giving tricks and reminders … QDC’s … ETF Explosion – Good Bad and Ugly … Ripley’s Sigourney Weaver … AI overbuild ? … By John Kvale CFA, CFP

Cover header and article section of the J.K. Financial, Inc. Fall 2026 newsletter. The top banner displays the firm name, address in Dallas, TX, Registered Investment Advisor designation, and the Street Cents logo alongside a photo of the Wall Street Charging Bull. The main article features a headshot of John A. Kvale, CFA, CFP®, titled "Year-end housekeeping: Reminders, best practices, updates" focusing on RMDs, Charitable Donations, and QCDs.

RMD ... Charitable Giving tricks and reminders ... QDC's ... ETF Explosion - Good Bad and Ugly ... Ripley's Sigourney Weaver ... AI overbuild ?

  • John Kvale CFA, CFP
  • November 4, 2026

October 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Donation Write off for Non Itemizers … COLA for Social … Crude Rates Bedfellow Separate, Fiber Cyber Railroads and AI Parallel … By John Kvale CFA, CFP

October 2026 Financial Planning and Capital Market Review featuring John Kvale, CFA, CFP®, with highlights on charitable tax deductions, Social Security COLA, fiber optics, AI, and railroad investment parallels.

October 2026 Financial Planning and Capital Market Audio Video Podcast format Review

  • John Kvale CFA, CFP
  • November 2, 2026

Website Up and running … Time Change Weekend again … Friday from last road trip of the season!

Website homepage hero section for J.K. Financial, Inc. featuring a scenic landscape background of a river flowing through desert mountains. Overlay text reads "WORKING TOGETHER TO CREATE Total Wealth Financial Freedom For You" alongside a brief mission statement and a "LEARN MORE" button. The top navigation bar includes the Street Cents logo, phone number 214-706-4300, social media icons, "PERSONAL VAULT" and "ACCOUNT VIEW" login buttons, and main navigation links.

J.K. Financial, Inc. Website redo - Time Change - Happy Halloween

  • John Kvale CFA, CFP
  • October 30, 2026

Most popular Halloween Candy by US State – HI Chew ?? From Visual Capitalist!

A Halloween-themed infographic graphic created by Visual Capitalist and branded for Street Cents / JK Financial Inc., titled "Most Popular Halloween Candy BY US STATE": Background & Theme: Set against a dark wooden surface with jack-o'-lantern pumpkins, candy corn, and loose Halloween candy framing the map. Map Regional Trends & Favorites:HI-CHEW: Dominates the Pacific Northwest and West Coast/Alaska (Washington, Oregon, Montana, Alaska). Reese's Peanut Butter Cups: Popular in the Southwest and Central Midwest (Arizona, New Mexico, Indiana, Ohio, Kentucky, Tennessee, West Virginia). Skittles: Dominates Southern states (Texas, Oklahoma, Georgia, South Carolina). Sour Patch Kids: Prevails across New England/Northeast (Maine, New York, New Hampshire, Vermont, Massachusetts, Rhode Island) as well as Florida. M&M's & Peanut M&M's: Concentrated across the Midwest/Plains states (Idaho, Utah, South Dakota, Nebraska, Iowa, Minnesota, Illinois). Haribo Goldbears: Top candy in California, Hawaii, and Washington D.C.. Tootsie Pops / Tootsie Rolls: Popular in Nevada, Michigan, Arkansas, Louisiana, Alabama, North Carolina, and Delaware. Candy Corn: Favored in Wyoming and Colorado. Twizzlers & Snickers: Twizzlers top North Dakota, Wisconsin, Missouri, and Maryland; Snickers leads Kansas and Mississippi. Northeast State List (Callout Box): Lists smaller eastern states: NH, VT, MA, RI (Sour Patch Kids); CT, NJ (Swedish Fish); DE (Tootsie Pops); MD (Twizzlers); DC (Haribo Goldbears). Callout Boxes & Notes:Top Right: Yellow badge featuring a HI-CHEW package with the text "HI-CHEW ?? From Visual Capitalist". Bottom Right Note: "Funny... Recognize all the candy in the South, not so much as we move North..." Branding: Street Cents / JK Financial Inc. circular logo displayed in both top-left and bottom-right corners.

J.K. Financial, Inc.

  • John Kvale CFA, CFP
  • October 28, 2026

Crude/WTI take off again … But this time not with their Rates Strange Bedfellow – Interesting Analysis

A conceptual financial illustration titled "Crude WTI take off again ... But this time not with their Stange Bedfellow – Interesting Analysis": Main Graphic Elements:Two 3D animated characters with arms and legs are walking in opposite directions. The character on the left is a black oil barrel labeled "WTI CRUDE" with a drop symbol. The character on the right is a silver percentage symbol (%). A metal chain connecting their hands is snapping apart into broken links in the center. Background Landscape:Left Side: An oil pump jack silhouetted against a bright sunrise. Right Side: The U.S. Federal Reserve building with an American flag, set beneath an upward-trending financial line graph rising into a blue sky. Branding: Circular "Street Cents / JK Financial Inc." logo positioned in the upper-left corner.

J.K. Financial, Inc. WTI Crude Rates disconnect

  • John Kvale CFA, CFP
  • October 26, 2026

BREAK IN: PHP AI WEBSITE VULNERABILITY … Coming soon, RMD (Required Minimum Distribution) Season … Friday from afar

A promotional graphic with the text "Coming Soon... RMD Season" set against a scenic backdrop overlooking a body of water. The scene features a wooden table arrangement containing: November Desk Calendar: The calendar displays November with November 1st circled in red marker and handwritten notes below reading "RMDs Begin". Coffee Mug: A white mug on the left side featuring handwritten-style text that reads "RMD Season". RMD Checklist Notepad: A handwritten notepad resting on the desk titled "RMD Check List:" with all four items checked off: Confirm amounts Review tax notes Make any adjustments Complete distributions Additional Details: Sunglasses and a pen rest on the desk, with the circular "Street Cents / JK Financial Inc." logo positioned in the lower right corner.

BREAK IN: On Wednesday of this week an earlier found AI vulnerability in PHP protocol which is used by 70% of websites, including our formal…

  • John Kvale CFA, CFP
  • October 23, 2026

What do rails, fiber, and AI have in common?

Illustration showing a freight train and railroad tracks on the left, glowing fiber-optic cables in the center, and AI circuitry with data center servers on the right, representing parallels between railroad expansion, the fiber-optic boom of the 1990s, and today's AI infrastructure investment. The headline reads, “What do railroads, fiber optics and AI have in common?”

J.K. Financial, Inc. Rail, Fiber, AI

  • John Kvale CFA, CFP
  • October 21, 2026

Above the line very specific “Cash Only” Charitable Donation deduction even if you do not itemize ! All new for 2026 tax year, $1k single, $2k Joint …

Graphic banner titled "2026 Tax Year Above the Line Very Specific Cash Only Charitable Donation Deduction Even if you do not itemize!" with an illustration of cash being placed in a donation box. Key bullet points highlight eligibility for qualified nonprofits, maximum deduction limits of $1,000 individual and $2,000 joint, the strict "cash only" rule excluding non-cash items/services, and the recommendation to keep good records. Branded for JK Street Cents: Smart Money. Real Life.

J.K. Financial, Inc. Non itemizer Charitable deduction option

  • John Kvale CFA, CFP
  • October 19, 2026

Social Security COLA adjust 3.6% … Warnings on Meta Muse AI … Friday …

Picture of a Social Security Card

J.K. Financial, Inc. Social Cola 3.6% - Watching Meta Muse

  • John Kvale CFA, CFP
  • October 16, 2026

Interesting Life Expectancy by State from our buds at Visual Capitalist, of course!

A map infographic titled "Life Expectancy by State" produced by Visual Capitalist using 2022 CDC data released in March 2026. Key Statistics: The overall U.S. average life expectancy is 77.5 years, with a 7.8-year gap between the highest state (Hawaii at 80.0 years) and the lowest (West Virginia at 72.2 years). Top Ranked States: Hawaii (1st, 80.0 years), Massachusetts (2nd, 79.8 years), and New Jersey (3rd, 79.6 years). Lowest Ranked States: West Virginia (72.2 years), Mississippi (72.6 years), and Kentucky (73.6 years). Gender Disparity Note: States with lower life expectancy generally have wider gender gaps, ranging from New Mexico with the largest female-male gap (6.9 years) to Utah with the smallest (3.6 years).

J.K. Financial, Inc. Life Expectancy Analysis by state and smoking popularity

  • John Kvale CFA, CFP
  • October 14, 2026
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Latest Videos
Winter 2026 J.K. Financial, Inc. Newsletter … RMD … Charitable Giving tricks and reminders … QDC’s … ETF Explosion – Good Bad and Ugly … Ripley’s Sigourney Weaver … AI overbuild ? … By John Kvale CFA, CFPNovember 4, 2026
October 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Donation Write off for Non Itemizers … COLA for Social … Crude Rates Bedfellow Separate, Fiber Cyber Railroads and AI Parallel … By John Kvale CFA, CFPNovember 2, 2026
September 2026 Financial Planning and Capital Market Audio Video Podcast format Review … BREAK IN: Honored as D Magazines Best Wealth Managers and Financial Planner … Reviewing the 4% theory/rule … Retirement contribution reminder … Plans that did not work, Twist, Yen, being forceful … By John Kvale CFA, CFPSeptember 30, 2026
August 2026 Financial Planning and Capital Market Audio Video Podcast format Review … 30th Annual Party Reminder/Invite … Cash Purchase Reminders … Social Security Reminder to review … FIMA/Bessent/Warsh … By John Kvale CFA, CFPAugust 31, 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, CFPAugust 3, 2026

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Background

The is the vocal portion of J.K. Financial, Inc. a Dallas Texas Based Fee Only Total Wealth Financial Planning Firm. Founded by John Kvale, a Dallas Texas Fee only Financial Planner and Total Wealth Manager.

Important Disclaimer

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, please consult your financial advisor prior to investing!
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