Author Archives: John Kvale CFA, CFP

Happy Thanksgiving – Blooper Video One Last Time – Less Gray, More teeth, Horrified Replay? – Enjoy … Gobble Gobble

Posted on November 23, 2022 | Leave a comment

With lots of newbies – (thank you very much) – we thought this was just too good to pass up…

Sophia is now 18 and will leave for college next year, Pierce (aka Toothless- 15 … a freshman) …. So this will be our last year for this… most likely………..hmmmmm

This was not edited, just a re-recording as frustration grew… Mother intuition was very clear as a warning was issue prior to the attempted recording…. “This will not go well!” Scripture !

Remember this was years ago, WAY before the popularity of TikTok or YouTube… in our opinion making it even more original and entertaining…

Enjoy the last (most likely) viewing — Wedding video(s) anyone? ..ha

Happy Thanksgiving!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

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Out of the Office this Week – DMA – Dallas Museum of Art Pictures – Can Happy Thanksgiving make ONE LAST appearance?

Posted on November 21, 2022 | Leave a comment

Office Hours – Out this week – Tethered for Emergencies

With all of our Families getting the full week off for Thanksgiving…. the decision was made to let everyone take some much needed R&R this week….

Yours truly is out of town and out of the state, but will be holding the fort down with electronics for any Emergencies that may occur…

DMA Post Party Fun – Pictures

The now 15 year old, Pierce, has a great eye for photography…. but a shy personality for taking picture of “Strangers” to him…. everyone at the party were like family of course, but not to him!

The pictures of anyone Pierce did not know, were …. well rough… but those that he did know came out great….and the DMA art, statues and other … we will let you make your own decision…

For the record privacy laws keep us from posting any pictures of non employee’s so you are all protected anyway… all is fair game for J.K. Financial, Inc. employees…

Oh…one last thing before we show you the pictures… with so many new followers, we plan on showing our most popular Video Ever … a non-edited frustrated, but humorous video from many years back…. We promise… last time!

And now the best Pics of the DMA

Happy Early Thanksgiving- Gobble Gobble !

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Holiday Party Parking Reminder … Tomorrow at 2PM at the Dallas Museum of Art … Be Sure to get a Parking Coupon from us in the Founders Room

Posted on November 18, 2022 | 2 comments

Tomorrow at 2 PM at the DMA (Dallas Museum of Art) be sure to get a coupon from one of us in the Founders Room…

There is a $15 parking fee if you do not get a coupon from us, and we do not want anyone paying for their parking!

Happy Friday and for those that cannot come, we will miss you but understand!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Bear/Slowing Market Bounces Reminder – A Historical Perspective

Posted on November 16, 2022 | Leave a comment

We have spoken before on the uniqueness of slowdown or bear markets ability to have ripping increases that soon fizzle…

While we do not now why they occur for sure, a historical perspective is they DO occur!

20 Largest One Day Gains in the NASDAQ Since 1971

We know that NASDAQ is filled with volatile companies…. but this chart making the rounds is very interesting….

The 7.4% move that many were calling the start of a new Bull Market sneaks in at 14th place of this one day moves going back to 1971- Yes, 1971!

We might even take issue to the 4 rallies not in “Bear/Slow Markets” according to this chart…. but if we do not, it is still 16 out of 20 in Bear/Slow Markets!

Have a Great “Watch the Slow/Bear Market” contra rallies!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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RMD’s not taken can be taxed at 50% … Nope not kidding … Yikes … More IRS agents hired … And if missed you have to file special tax forms … Yikes X 2 … Many Financial Institutions are Mandating a December 1 Completion … Take them Now Before the Rush!

Posted on November 14, 2022 | Leave a comment

Many of you may be wondering why we are so firm of completing RMD’s in what may seem like “Early” Calendar Fashion…

This year marks the first year of full force RMD’s since the new age 72 (recall it was 70.5 a couple of years ago)

Let’s not forget the following headline from just a few months ago too!

From the IRS statement on RMD’s here:

Consequence for failing to take required minimum distributions

If you do not take any distributions, or if the distributions are not large enough, you may have to pay a 50% excise tax on the amount not distributed as required.

Financial Institutions are Mandating an Early Completion or Going Best Efforts

In addition to the full force of participants … Many institutions are Mandating a December 1 completion or it will be “A Best Efforts Basis” …

Bottom line, the consequences are too large in delaying your RMD – if you have not, take them NOW before the rush ….

Have a Great “RMD’s taken now” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in General Financial Planning, Investing/Financial Planning, Reminder, Retirement Planning, Tax Related

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It’s A Party … Party Party … One Week from Tomorrow … DMA Holiday Parking Reimbursement Instructions, Coupons in the Founders Room … Friday

Posted on November 11, 2022 | Leave a comment

One week from Tomorrow, Saturday November 19th at 2 PM at the DMA (Dallas Museum Of Art) we welcome those available to attend to the 26th Annual J.K. Financial, Inc. Holiday Party…

Thank you to all who are taking time to come visit and share the Museum together….

Be sure to drop by the Founders Room so we may give you a parking pass to avoid the Museum Garage Parking fee…

Here again is the official reminder/invitation:

Ahhhh….today is a Friday here in Dallas, and Mother Nature is about to turn on the A/C and the rain… enjoy your weekend – Talk Next Week!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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TSA Throughput 2022 v 2019 Almost Back to Norm … Without the Business Warrior …

Posted on November 9, 2022 | Leave a comment

With travels heating up on the homestead ….. Fresh off the recent trip/conference…. a desire to update the traffic flows…

From the TSA here

TSA Throughput Update

All the research we follow, still say the business traveler has not returned in force ….

Pretty strong showing without the business warrior …. Don’t you think!

Have a Great “TSA Update” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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The Fed Raised Rates, Analysis on Short and Long Term Rates, Interesting Observations From Conference Conversations

Posted on November 7, 2022 | Leave a comment

Last week during the afore mentioned conference, the FOMC (Federal Open Market Committee) continued their increases in the the short end of the yield curve aka Fed Funds Rate…

FOMC – Federal Reserve Raises by .75%

Last week the FOMC continued their increases in the very short term Fed Funds Rate…

Note the 1 Year Treasury compared to the 10 Year – Inverted as the longer term fixed income market could be looking forward to the eventual slow down.

In a chance conversation at the conference, Liz Ann Sonders – (Chief Investment Strategist of Charles Schwab) and I had a conversation about the FOMC meeting and an interesting observation.

The press release had some soft language that led many to believe they may be on the path to slowing increases…. Capital Markets took off…. of course Powell could see this and during his live press conference made sure to re-iterate the increases were still on the table…

Sonders and I both agreed, had the capital markets not gotten ahead of themselves… Powell would likely have said nothing… The Fed wants the slow down …

Have A Great “Fed Raised and Analysis” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Retirement Planning

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Drinking from a Financial Fire Hydrant …. Friday

Posted on November 4, 2022 | Leave a comment

In a two and a half day period of time, the Brain and I had less than 90 minutes of down time to digest the fire hydrant of information we were trying to consume…..

The divide and conquer technique worked like a champ as we not only have a large pad of notes to share, some great thoughts, but also some fun pictures as well.

If we were late on getting back to anyone, our apologies, but the delay was well worth it as we come back with great ideas and updates.

Today is a Friday, enjoy your day, the weekend and talk next week!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Donald Capone, General Financial Planning, Investing/Financial Planning, John Kvale, Personal

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Updates from the Conference – Today’s FOMC Announcement Analysis – Cyber Security …

Posted on November 2, 2022 | Leave a comment

As mentioned last week, the first in-person large conference in some time is going on this week…. It is very nice to see everyone “In Person” …. we had forgotten just how full the schedules are during these events … full day ahead …

Briefly our two most important topics so far!

FOMC – Federal Open Market Committee Thoughts for Today’s Announcment

Just after lunch hour today the FOMC lead by Jerome Powell are set to raise rates (Fed Funds Rates – think overnight checkbook rate) by .75% (75 basis points) ….

The experts here say focus on the future (for the record we have been crowing on looking forward throughout this slowdown see here and here – digressing) as the Wall Street chatter is a step down possibility at the next meeting to a .50% — a firming of the higher .75% increase as the next meeting OR an even softer talk of maybe no .50% would be market moving… again according to our experts…

Cybersecurity – No Email of Social Security or the Like Documents

Condensing this event into one important topic – we all need to make sure we do not send documents with Social Security numbers or the like through email…. the hackers are just too good…

This is more of a reminder for all… but as we enter tax season next year, a good reminder!

Alright, that is it for now, a quick jog and workout… then to breakfast and back in doors for a full scheduld of events today!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Cyber, Economy, FOMC, Interest Rates, Investing/Financial Planning, Market Comments

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