Author Archives: John Kvale CFA, CFP

Happy Thanksgiving! Our most popular video EVER …

Un-cut, Un-scripted, Un-forgiving to ….. well you can figure it out!

Couple of years old, but un-repeatable …. such the re-viewing!


Have a Great Holiday!

Next week back to the hard core financial “Stuff”

Cheers !

John A. Kvale CFA, CFP


Thank You Party Goers …. Office Hours … Our most popular video post ever coming this Wednesday!

We did the no rain dance…. but forgot to do our no Wind dance… go figure…

Who would of thought a cold front would blow through with steady 25+ mph winds that gusted even higher. Yes those were whitecaps on the lake adjoining our venue.

Just like we pivot in life, investing and many other areas … a quick move from outside the huge backyard to the inside made for a great venue. It was an easy decision as upon entrance we saw the caterers literally chasing down a wind blown bounding high-top, not to mention the front door would not open due to the wind gusting through the entrance to the back yard which we hoped to keep open — digressing!

We knew the house could hold us all, but had no idea how hard it would be to visit with everyone as we all scattered among the various rooms.  Sorry if we did not get to chat very long.

Thanks to all for your time and drive to our venue, especially those that came from far, some VERY far and driving overnight to get there !

Thanks SO MUCH!

Office Hours

We will be closing early Wednesday and will not be in the office on Friday of this Thanksgiving week!

Of course we always peek at our electronic tethers – Someone could have an emergency and we are glad to be there!

Most Popular Video – EVER

Of all the videos we do, one has risen to the top as our most popular ever, SO FAR !

We will air the video again this Wednesday …. It’s uncut, un-scripted, and un-forgiving to the producer !

Enjoy …. Happy Thanksgiving (a little early).

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

Attention Holiday Party Attendees – GATE 2 is Your Friend! See you at 1 PM Tomorrow!

With the 22cnd Annual Holiday Party just hours away, we wanted to remind all that Gate 2 is our own private gate and will give you quick direct access to the Alex House, our venue.


The red circle is Gate 2 Entrance off of Garland Road … either direction you are coming from, pass the first Arboretum gate and enter Gate 2, the middle gate!

See you tomorrow, November 18th at 1 PM!

Have a great “Gate 2” tomorrow day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.



Is Your Birthday between 7-1-46 and 6-30-47? If so you have an important decision! RMD – Required Minimum Distribution – Delay or Not?

According to current law, the IRS mandates RMD’s (Required Minimum Distributions) from your qualified account by April 1 of the year following age 70.5.

RMD Delay First YearUncle Sam

Given the above IRS requirement, it is possible to delay your first RMD until April 1 of the following year, once you reach the 70.5 threshold.

If your Birthday as of the year 2017 is between 7-1-46 and 6-30-47 YOU CAN delay your initial mandated RMD, however by doing this, you will have two RMD’s in 2018 tax year.

  • Higher/Lower Income
  • Bigger/Smaller Expenses
  • More/Less Donations

These are a few items to consider when delaying or taking that initial RMD.

Feel free to reach out to us if you have any questions!

After this decision … the IRS makes it easy, each year take your RMD and pay the taxes, only on the first RMD, is the delay allowed!

Have a great “Smart Tax Delay” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

Household Income By United States State and How Far $100 will go in Each State

In this cool chart from Visual Capitalist, Reddit, and the US Census Bureau, household income is divided by income levels.

It is organized from lowest to highest income over $150k.

Household Income By State

2017 household-income
Courtesy of: Visual Capitalist

How far $100 will go in each State

Scanning the last few states from the above chart one can easily conclude many of the higher income states, ALSO cost more to live in.

This from the Tax Foundation!

2017 TAx Foundation 100-Map-01

A blending of the two chars gives an idea of a possible interesting lifestyle, state by state.

Which is your favorite?

Have a Great “Pick Your Lifestyle State” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.


One week and a day from the Dallas Arboretum holiday party … Hard RSVP Reminder! Thanksgiving AND Christmas settings!


In Eight days … Yes, just one week and a day, the 22cnd annual J.K. Financial, Inc. holiday party will occur.

We are happy to announce the Thanksgiving AND Christmas settings will be up and ready for our collective viewing!

On November 18th at 1 pm, special parking opens –

Dallas Arboretum Gate 2 SUPER close and restricted parking just for us begins.

Arboretum xmas

The weather calls for an awesome day 60 degrees and sunny … fingers crossed it holds, making for a perfect time.

Our party ends at 3 pm, but the fun does not stop then … Tour the entire park at your leisure including the special recently opened kids area until 5 pm!

There will be a special on site golf cart/shuttle to take those that want to move a little faster to the distant corners of the complete park!

Food, fun, friends, family ….  fantastic !

It’s serious headcount time, so if you have not RSVP’d … please do so!

We will see you there!

Have a Good Friday and Super Weekend!

John A. Kvale CFA, CFP




Paradise Papers ? … Arboretum RSVP soft reminder

Over the weekend it was announced a huge trove of papers (13.4 million) were hacked and publicly released to a German Newspaper and an international group of journalists.

Paradise Papers

  • Nick name from the theme of Tax Havens
  • More countries and people involved than Panama Papers – current estimated 120k people named
  • Hacked from the International law and trust firm named Appleby – unrelated to Apple
  • Hackers unknown at this time

We all find interest in these type of disclosures as it gives us a peek into the Ultra fast and famous … how the other side lives. One bit of caution, just because someone is named and a part of these documents does not mean they have done something wrong. The law firm at issue, (with many angry clients – digressing) is by most counts an above board legal firm catering to the ultra-fast, this being said, it should make for interesting reading in the future as we may see if what many “Are actually doing … what they say they are doing” regarding finance and especially philanthropy.

Arboretum RSVP Soft Reminder Saturday November 18, 1-3 PM Tour the Park after until 5PMf20bb085-9cec-42f6-97b9-df1ac26bf587-2788-0000022f455848a1-2

With our special venue of the Dallas Arboretum 22cnd annual Holiday Party getting closer … This is your soft reminder to RSVP, it will be fun!

Have a Great Paradise Found day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.