February 2022 Financial Planning and Capital Market Review – By John Kvale CFA, CFP

Hello and Welcome to our February 2022 … Financial Planning and Capital Market Update!

If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast audio format as well as Video!

Newbies –

We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets thoughts and current events!

Hope you enjoy!

February 2022 Video


Financial Planning Tip(s)

Third In Back to Basics Series – “Debt Planning”

The third post of a neat (well we think so) new idea, series we discuss “Protection Planning” !

This series is a review of the basics, and will serve as somewhat of a semester study of the Financial Planning foundations all the way to more advanced topics later in the series…. We plan on a mid month release of each part and somewhere south of double digit parts…. possibly with a video added to each for additional insights…. thanks in advance for sharing with those who may find this series helpful….

In this Debt Planning section we cover from a high level …

The Good, the Bad and the Ugly Forms of Debt

Yes there are some debts that or ok, but there are also some that are very much sinners….

Review that Social Security Statement

In this annual reminder post, receiving a weekend email alert directly form the Social Security Administration our review was set in motion and a new post was born….

Happily as mentioned in the post, the SSA had updated the site and there are really neat new features such as a graph for delayed benefits and a neat spousal calculator.. Well done guys!

Please be sure to take 5 minutes and review that your hard earned earnings are being credited to your Social Security Benefit/Number!

Capital Market Comments

Interest Rates Jump Ahead of Fed – Short Term Pressure on Bonds Long Term Gain

While this post concerning how the bond markets, more specifically the two year and ten year treasuries front run the FOMC (Federal Open Market Committee) we also want to remind that such movement, especially seen in the two year treasury puts pressure (lowers) on the value of the bond but also ups the income from the bond……

So initial headwind, and eventual tail wind…yay

Re-Review “The Anatomy of a Slowdown/Recession” the Snap Back

With market jitters creating headlines and lower values, in this post we reviewed our luckily timed lead article in our Q 1 2022 Newsletter article, called the “Anatomy of a Slowdown”

The main purpose of the article and the re-run is to remind everyone INCLUDING OURSELVES, slowdowns (markets dropping in value) do occur, and while we don’t want them to, they do anyway!

In this post, we review three very large what we coined snap backs…. large rallies of 5%-to over 10% which are for some reason very confusing during slow down times and also tend to totally ignore headlines…

No idea for sure WHY they happen, just know they do … thought worth reminding as some great questions came in on the subject.

Have a Great Day, Talk to You at the End of March! Going fast this year!!!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.



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