Hello and Welcome to our November 2025 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 shortened podcast like audio format as well as a 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!
BREAK IN – Thanks to all who attended the 29th Annual Holiday Party!
November 2025 Video
YouTube
Financial Planning Tip(s)
Conference Findings – Overseas Clients – Trusts – Cyber
An annual conference visit (whirlwind visit) conjured up many new findings, including a home office visit here locally upon return. In this post (cool picture from airport travel vehicle), we cover the findings
We now have much easier access for overseas clients – if you move, have funds from your non US homeland, we have your back- thankfully help in a smaller world!
Cyber meets AI – we have already shut our phone and email down on our website – AI is being used nefariously not surprisingly – we will expand more sooner with protections for all of us !
Trusts and more Trusts – With more usage and needs, easier access is available…
2026 Cola Adjusted Retirement Plan Limits
While last month Cola adjustments were released for Social Security, this month included retirement Cola adjustments, as mentioned in this post –
Here are the high points:
401k and similar corporate plans up $1k from $23,500 to $24,500 – Over age 50 catch up moves from $7k to $7,500 and Catch up Catch up contributions for age 60-63 remains at $11.250 total for those that qualify – NOTE – Highly compensated individuals must contribute catch ups to a Roth inside there plan effectively losing the deduction!
IRA Contributions move from $7k to $7,500 – Over age 50 Catch up moves from $1k to $1,100
Capital Market Comments
Market Update – A little Choppy !
Government reopens, FOMC (Federal Open Market Committee) Chair replacement likely more lowered rate friendly – a little turbulence!
Have a Great Day talk to You at the end of December!
John A. Kvale CFA, CFP
AI Content Authenticity: -. All of the following written content has been completed by myself and has not been edited or created by AI. Occasionally we do use AI for images and will note so when used.
Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
