Hello and Welcome to our July 2026 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!
Break In – Save the Date – 30th Annual Holiday Party
This years party is Sunday, Nov 22nd celebrations starting at … 1 PM!
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!
July 2026 Video
YouTube
Financial Planning Tip(s)
Cyber –
Crooks are getting smarter, do not let our guards down – Technology improvements
In this post, we discuss:
Text spams – Many of these are now hitting our main office number, but they continue to our handheld cells as well and are climbing in frequency!
Sharefile/Docusign – I am hit particularly hard at our office email as we do communicate/authenticate this way, but we also receive these via our personal email as well – Make sure your email request is authentic before clicking on the link!
Impersonations of all types – We have had fake inquiries that asked to download a bad zoom call link, clients with fake Evites to parties, several different impersonations from fake regulators to fake important industry impersonations as well as fake communications asking for key personal information – no biting!
Long lost relatives – I have personally received multiple contacts, and just last week a letter with a very convincing backdrop of legal and website impersonation, all to grab a contact and important personal information – keep that guard up!
New Born Accounts –
No actions yet, but eventually taking the free $1k account
In this post, we discuss the new Government sponsored accounts, AKA -…. From the post “Trump Accounts, Section 530A Accounts (or 530A IRAs), Individual Retirement Accounts for Minors, Baby IRAs, Kids’ IRAs, Boomerang Accounts, The $1k Seed Accounts, and Form 4547 Accounts.”
NO IDEA why there are so many different names… confusion for sure!
Bottom line, as of now, we only like taking the $1k account and nothing more, BUT NOT YET! Let’s let some other trail blazers discover the problems!
Capital Market Comments
Concentration Risk
Post lockdown and stimulus, much of our domestic markets became extremely concentrated…. We crowed about this, many may say relentlessly as we know the risks.
The Kospi, South Korea’s main index is loaded with Chip and Semi stocks…. Concentration to the utmost!!
Maybe the softer path to take, as guessing many of you are not constant followers of the Kospi, like us…. but the point is the same, when only a few lead the way, if they stumble, trouble is around the corner!
Oil Quick Take
If you want a pretty good idea of how the Petro related conflict is going, check out the price of oil… this is so fast moving, by the time news hits the street, it may be very stale!
Have a Great Day talk to You at the end of August – 2026!
John A. Kvale CFA, CFP
AI Content Authenticity: -.AI created the post splash page . 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.
