Welcome to our Video and Audio Podcast Review of our Fall 2025 Newsletter. For those on the road or just unable to grab the time to read, our podcast type review gives you the behind the scenes insight to our thoughts, observations and deep views of the entire Newsletter.
Click the Download button below, for a direct link to an electronic version (an early peek-good ole fashion paper versions are on their way to you shortly) and here for our Newsletter page
Let’s get going! We hope you enjoy!
Break In – Honored Awards
This Newsletter is complicated, the Video/Audio while slightly longer, will help decipher!
Fall 2025 Newsletter
(YouTube)
401k Follow Up –
2019 Cerulli study says they don’t want your old 401k, now new study from Capital Research shows how many are lost!
529 End of Year Reminder
Beware of the Medallion Signature Guarantee – Unicorns are more available than a Medallion Guarantee – Avoid this requirement at all costs!
Watch out for the calendar mismatch of distribution and actual tuition -Winter tuitions are the most dangerous because many universities bill in December – Tuition use MUST match the distribution year- Note best practices below- Keep them in the same calendar year – As noted in the opening, this can cause IRS interest- so be careful!
Beware of the cooling off period on a address change and or wiring bank linking – 10-30 days! – See Best Practices for reminder
Most plans bid out their carrier every five years before warned, they may change carriers, causing confusion when you receive a notice from a new “Headline Name” or Carrier!
Probabilities Economic and Events
Short term interest rates come down as inflation comes down
New FOMC Chair is more Dovish – lowers rates faster
Tariffs possibly found illegal – A slower Pivot may occur
Economy Accelerates
Housing Analysis – Affordability – Inventory – Mortgage Rates – Home Equity
…..NAR Says the Typical First-Time Homebuyer Age Was 40 This Year, Up from 33 in 2021—but Is This Accurate?
By Edward J. Pinto | Joseph S. Tracy
November 25, 2025
…. There is an affordability crisis facing FTBs (First time buyers), but one based on home prices, not age. By aggressively buying mortgage-backed securities during COVID-19 and waiting until March 2022 to raise its policy rate, the Federal Reserve helped fuel a massive home price boom. With inflation approaching double digits by 2022, the Fed’s aggressive monetary tightening ultimately led to mortgage rates more than doubling. …… From 2019 to 2024, the median FTB income needed to purchase a home increased by 41 percent nationally. This was about four times the rate of median U.S. household income growth (11 percent — not inflation adjusted)….
Talk to you in the Winter !
John A. Kvale CFA, CFP
AI Content Authenticity: All of the following text 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 when appropriate.
Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
www.jkfinancialinc.com
www.street-cents.com
