November 2015 Year End Tax and Financial Planning Tips, Capital Market Monthly Review (Video by John Kvale)

Welcome to our monthly Economic, Capital Market, and Financial Planning tip of the month.

This months Special Tax Financial Planning Tip of the month is not one, but two tips that may save you tax dollars before year-end !

For those new to our writings, we touch on the most pertinent Financial “stuff” along with a video of my mug that has even more specialized details of the latest month as well as this post.

Ok…let’s go!


YouTube Direct Link 


Push that income out

  • Elective IRA and RMD distributions
  • Consulting payment – income 
  • Taxable gains Push

These are just a few simple examples of possible deferred income you may wish to push out.

In our income pushing post, here we discussed in great detail a  simple technique that is often forgotten but may at least defer your income taxes. If you can hold off on realizing this income of the next 30 to 40 days you will at least possibly get 15 to 16 months to pay these taxes — we will be glad to help if you have any questions!

Donation maximization and optimization

  1. Accelerate or push out your donations
  2. Watch the phase out-certainly push out if you are in a phaseout situation your deductions
  3. Cash is a great donator, concentrated stock may be better
  4. Other options include donor advised funds, letting up your own foundation-these are more complexCharitable donations

In our donation optimization post will  we discussed the various options for maximizing your donations, always staying well within the boundaries of the tax laws, but focusing on maximization is our goal!

Give us a call if you have any confusion/questions! Do not try any of these techniques without first visiting with you professional advisor!

Rates to be raised

October’s unemployment report gave Janet Yellen, head of the Federal Open Market Committee-FOMC, a green light to raise rates. While we do have another economic report, November’s at week end – it appears the economy is moving in the direction the Fed wants it to, and the FOMC will be able to raise rates.

What’s neat about this possible movement, which is different from September, is the markets-and market participants, seem to be prepared and are happily welcoming an interest rate increase!

Fed Funds rate 1947 - 11 of 2015


I am completing this video and post over the Thanksgiving weekend holidays. It’s interesting to think that we are worried about raising rates .25%, when during this weekend, several conversations were about receiving a one year CD at 17% annualized rate – wow what a long way we have come. We welcome the rate increase, look forward to it, and think that it may actually have a more positive effect than many think-time will tell!

Have a Great Day!

John A. Kvale CFA, CFP
8222 Douglas Ave # 590
Dallas, TX 75225JK Street Cents Logo

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