Hello and Welcome to our September 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 – D Magazine Honors….
If you are in the Dallas area, be sure to pick up a copy of the latest D Magazine… there will be several you know in this latest copy!
Any guesses where that picture was taken?
Disclosure for DMagazine: Award given to J.K. Financial, Inc. on October 1st, 2026 by DMagazine. Data for inclusion of the list based on 2024 and 2025 information. J.K Financial, Inc. did not pay to be included on the Top Wealth Managers list. For more information on how winners were choose please see https://www.dmagazine.com/awards_and_events/top-wealth-managers/#about.
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!
September 2026 Video
YouTube
Financial Planning Tip(s)
Revisiting the 4% Theory/Rule –
In our fun review post, here, we revisit “The 4% Rule” which is not really a “Rule” but more of a Theory as banter across the industry rags had resurrected many new ideas …. Most ways to allegedly increase the percentage rate upward of course!
From the post
“The most recent arguments again from our Industry Rags are a “Flexible” Withdraw rate. Meaning taking a higher draw rate, the higher draw sounds really neat on the surface … BUT … if needed the “Flex” comes in the form of much lower draw rates if necessary… WHAT !! That’s not a practitioner view. Very few are willing to lower their draws and that timing usually occurs at the most inconvenient of moments…. like an economic or other slowdown, when the draw needs to stay at the same level. Nope, we disagree!”
Year End Retirement Contribution reminder –
With a year that is flying by like a windy day… Now is a good time to revisit our retirement contributions…
In our post here, we discuss the maximums…as well as the all new Mandatory Roth Catch up directives…
401(k), 403(b), 457(b), Roth 401(k) plans elective deferrals $24,500
Catch-up provision for individuals 50-59 and 64+, 401(k), 403(b), 457(b), Roth 401(k) plans $8,000
Catch-up provision for individuals 60-63, 401(k), 403(b), 457(b), Roth 401(k) plans $11,250
….”With a ton of complications … new job, new payroll system, W-2 versus Bonus … We are preparing for the great W-2 restatement next tax year… again, not to worry, this is a payroll item, but if something looks incorrect now, drop us a note we will take a look… it is likely easier to fix now, before year end than later…”
Capital Market Comments
All about Inflation/Rates/ – Does it Invert ?
Interestingly, the way we do these Monthly updates are to duplicate last months and then update with new information….
Last month, Yen interventions ….Baby Twist … Jackson Hole Talks… rates still climbing for now
…”BUT as we look way out (being silly here) to the spring of 2027, as mentioned in our Summer Newsletter, a longer term format…. Comparable’s will like drop CPI readings dramatically…”
Have a Great Day talk to You at the end of October – 2026!
John A. Kvale CFA, CFP
AI Content Authenticity: -.AI created the 4% and Retirement splash image . 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.
