Welcome to our Video and Audio Podcast Review of our Winter 2026 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!
Fall/Winter 2026 Newsletter
(YouTube)
Year end Housekeeping – RMD, Charitable Giving – New Non Itemizer, QDC
RMD –
All can be taken from one account
IRS is tracking us now, so make sure you get what is needed out
Age 1960 or later your RMD age is 75
Year end distributions for maximum deferral
Charitable Giving
Make by year end or lose em
New $2k JT $1k individual non itemizer deduction – Must be cash – no stuff
QDC (Qualified Charitable Donation) From IRA – Can use a checkbook, BUT get the check cashed or it doesn’t count!
All of these are end of year, we will discuss reach back next year…but these are timely NOW!
The ETF Explosion – Too Much of a good thing?
.….there are current literally betting ETF’s on the shelf in the form of hockey and other sports teams. Yes, that is correct, for lack of better terms, just a betting ETF that will likely end up in legal battles one way or another. This all a far cry from the original stately ETF of original creation.
Not all are bad.
One of our favorite techniques that many mutual fund companies are now offering are the transfer of investments from the traditional mutual fund wrapper to the ETF. This is extremely handy for less tax efficient mutual funds and also has the immediate result of zero trading cost since an ETF trades like a stock and those trade free.
These along with a very few other well-thought-out ETF’s are likely a very good creation and will have staying power.
Ripley, Sigourney Weaver – The Cassandra Truth
There is no replacement for actually living historical moments. While we can all read about them, research them, dig deep into every emotion allegedly occurred at that time, living through and actually having the battle scars are irreplaceable.
We had the luxury of scars to prove that we have lived through the late 1990’s along with the 2007-2009 financial crisis. There is absolutely no replacement for those experiences.
Human nature is such that we live in a world of dollars, not percentages.
Rest assured, we will not forget and will not act on the Cassandra Theory. What does worry us is capital markets have a way of almost luring in a whole new generation of investors, much of what we’ve seen as of late for reference, look at our ETF explosion article or Bianco Rails, Fiber, AI.
Railroads, Fiber, Cyber and AI
While at the printer things changed… So far
In closing
The names are withheld as we do not like to show individual companies in this venue. These are names easily recognizable and with formerly huge coffers of cash.
Over the last few years, as can be seen, the direction is to use all of the cash AND if continued spend goes on as expected, loans will be needed for future AI investment. (See charts below.)
Maybe this time is different but it is worth noting those are very dangerous words!
Talk to you later or as needed sooner!
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
