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$treet-¢ents
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  • About
  • Monthly Video
  • Newsletter
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  • Back to Basics
  • Contact Us
$treet-¢ents
$treet-¢ents

BREAK IN: PHP AI WEBSITE VULNERABILITY … Coming soon, RMD (Required Minimum Distribution) Season … Friday from afar

A promotional graphic with the text "Coming Soon... RMD Season" set against a scenic backdrop overlooking a body of water. The scene features a wooden table arrangement containing: November Desk Calendar: The calendar displays November with November 1st circled in red marker and handwritten notes below reading "RMDs Begin". Coffee Mug: A white mug on the left side featuring handwritten-style text that reads "RMD Season". RMD Checklist Notepad: A handwritten notepad resting on the desk titled "RMD Check List:" with all four items checked off: Confirm amounts Review tax notes Make any adjustments Complete distributions Additional Details: Sunglasses and a pen rest on the desk, with the circular "Street Cents / JK Financial Inc." logo positioned in the lower right corner.

BREAK IN: On Wednesday of this week an earlier found AI vulnerability in PHP protocol which is used by 70% of websites, including our formal…

  • John Kvale CFA, CFP
  • October 23, 2026

What do rails, fiber, and AI have in common?

Illustration showing a freight train and railroad tracks on the left, glowing fiber-optic cables in the center, and AI circuitry with data center servers on the right, representing parallels between railroad expansion, the fiber-optic boom of the 1990s, and today's AI infrastructure investment. The headline reads, “What do railroads, fiber optics and AI have in common?”

J.K. Financial, Inc. Rail, Fiber, AI

  • John Kvale CFA, CFP
  • October 21, 2026

Above the line very specific “Cash Only” Charitable Donation deduction even if you do not itemize ! All new for 2026 tax year, $1k single, $2k Joint …

Graphic banner titled "2026 Tax Year Above the Line Very Specific Cash Only Charitable Donation Deduction Even if you do not itemize!" with an illustration of cash being placed in a donation box. Key bullet points highlight eligibility for qualified nonprofits, maximum deduction limits of $1,000 individual and $2,000 joint, the strict "cash only" rule excluding non-cash items/services, and the recommendation to keep good records. Branded for JK Street Cents: Smart Money. Real Life.

J.K. Financial, Inc. Non itemizer Charitable deduction option

  • John Kvale CFA, CFP
  • October 19, 2026

Social Security COLA adjust 3.6% … Warnings on Meta Muse AI … Friday …

Picture of a Social Security Card

J.K. Financial, Inc. Social Cola 3.6% - Watching Meta Muse

  • John Kvale CFA, CFP
  • October 16, 2026

Interesting Life Expectancy by State from our buds at Visual Capitalist, of course!

A map infographic titled "Life Expectancy by State" produced by Visual Capitalist using 2022 CDC data released in March 2026. Key Statistics: The overall U.S. average life expectancy is 77.5 years, with a 7.8-year gap between the highest state (Hawaii at 80.0 years) and the lowest (West Virginia at 72.2 years). Top Ranked States: Hawaii (1st, 80.0 years), Massachusetts (2nd, 79.8 years), and New Jersey (3rd, 79.6 years). Lowest Ranked States: West Virginia (72.2 years), Mississippi (72.6 years), and Kentucky (73.6 years). Gender Disparity Note: States with lower life expectancy generally have wider gender gaps, ranging from New Mexico with the largest female-male gap (6.9 years) to Utah with the smallest (3.6 years).

J.K. Financial, Inc. Life Expectancy Analysis by state and smoking popularity

  • John Kvale CFA, CFP
  • October 14, 2026

Bank, Government, Bond Market Closed Monday … Cyber reminder, keep updates updated … Friday …

Reminder- Monday Holiday This coming Monday is a Holiday for many banks and half of the Capital Markets – Bond Guys have a Holiday, but…

  • John Kvale CFA, CFP
  • October 9, 2026

Q3 2026 Review – Interest Rate Dogs out … Different than lockdown rate increases … Invert … Old is new again-AI … 30th Annual Holiday Party, just a good start …

J.K. Financial, Inc. Q3 2026 Review

  • John Kvale CFA, CFP
  • October 7, 2026

Bridging Health Insurance Coverage – Unique ideas, Tips and Techniques …

semi-serious editorial cartoon infographic titled "Navigating Your Health Insurance Bridge." On the left, a footbridge spans a steep canyon representing "The Health Coverage Gap," showing risk icons for broken bones and hospital stays over clouds labeled "Even one day risks financial ruin." People of various ages—a young adult aging off a parent's policy and a couple approaching age 65 for Medicare eligibility—walk across the bridge. The right side illustrates four potential bridge coverage solutions: using a General Agency search with ZIP code filters, COBRA coverage, Legacy company benefits for 10+ year employees, and professional Membership group benefits unlocking covered health options. Bottom banner reads, "Avoid the gap. Plan ahead for health coverage."

From young adults aging off parents policies or pre-retirees waiting for Medicare in most cases at age 65 … there are various reasons we find…

  • John Kvale CFA, CFP
  • October 5, 2026

D Magazine Honors “Copy” Explanation … Travels next week … Friday ….

Jen Hill (Standing, Left) John Kvale, CFA®, CFP® (Seated, Center) – Designated as Best Financial Planner Donald Capone, CFA® (Standing, Right) Photo Credit: Ethan Good (labeled vertically along the bottom right margin of the image)

J.K. Financial, Inc. D Magazine Honors

  • John Kvale CFA, CFP
  • October 2, 2026

September 2026 Financial Planning and Capital Market Audio Video Podcast format Review … BREAK IN: Honored as D Magazines Best Wealth Managers and Financial Planner … Reviewing the 4% theory/rule … Retirement contribution reminder … Plans that did not work, Twist, Yen, being forceful … By John Kvale CFA, CFP

Featured Team Members Jen Hill John Kvale, CFA®, CFP® (Best Financial Planner) Donald Capone, CFA® Profile Text Breakdown Headline & Tagline J.K. Financial, Inc. WEALTH MANAGERS AND FINANCIAL PLANNER Firm Overview & Approach History & Structure: Founded nearly three decades ago by John Kvale, J.K. Financial is an approachable, fee-only total wealth management firm offering a hands-on, deep understanding of each client's unique financial situation. Philosophy: Offers a concierge, holistic approach centered on the belief that while wealth drives everything, true financial planning provides the long-term perspective. The firm serves as a white-glove, trusted companion through life's financial curveballs. Client Focus: A boutique, relationship-based firm serving high-net-worth individuals, career-driven professionals, business owners, retirees, C-level executives, and single women (their largest client commonality). Core Values: Operates on dedication, discipline, teamwork, honesty, and integrity. Key Services Offered Total wealth concierge analysis Retirement readiness & investment management Protection analysis & assistance Estate planning & trust services Tax monitoring & minimization Concentrated wealth strategies Firm Contact Information Address: 8222 Douglas Avenue, Suite 590 | Dallas, Texas 75225 Phone: 214.706.4300 Website: jkfinancialinc.com

September 2026 Review by John Kvale

  • John Kvale CFA, CFP
  • September 30, 2026
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August 2026 Financial Planning and Capital Market Audio Video Podcast format Review … 30th Annual Party Reminder/Invite … Cash Purchase Reminders … Social Security Reminder to review … FIMA/Bessent/Warsh … By John Kvale CFA, CFPAugust 31, 2026
July 2026 Financial Planning and Capital Market Audio Video Podcast format Review … 30th Holiday Party … Cyber … New Government Accounts … Concentration … Quick Oil take … By John Kvale CFA, CFPAugust 3, 2026
June 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Try before you Buy … AI vs Dot.com … Kevin Warsh first dance … By John Kvale CFA, CFPJuly 1, 2026
Summer 2026 J.K. Financial, Inc. Newsletter … Oil, CPI, Coming good Comparables … Tax Findings, Biggest Savings ever … Spoiled by Short Market Dips … AI Blackmails a person … Mandatory Roth 401k Reminder By John Kvale CFA, CFPJune 29, 2026
May 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Inheritance – Heirship continuance, Beating the stats … Keeping up with the Minutes … No AI Writing here … Economy and Oil – Great Charts and Review/Comments … By John Kvale CFA, CFPJune 1, 2026

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Background

The is the vocal portion of J.K. Financial, Inc. a Dallas Texas Based Fee Only Total Wealth Financial Planning Firm. Founded by John Kvale, a Dallas Texas Fee only Financial Planner and Total Wealth Manager.

Important Disclaimer

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, please consult your financial advisor prior to investing!
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