Category Advanced Analysis

Advanced Analysis, General Financial Planning, Investing/Financial Planning, John Kvale, Personal, Retirement Planning

Revisiting the 4% Rule … A theory that 4% draws are ok … In light of recent new publications!

A high-resolution, professional financial blog splash image set inside a modern corporate office. In the foreground, a dark wooden executive desk features an angled widescreen curved monitor on the left displaying a orange-line stock chart titled "US 10-Year Treasury Yields" tracking multi-decade market cycles, labeled "Post-2008 Worry Era" and "Recent Regime". On the desk sit two digital tablets showing financial graphs, a paper notepad, documents, a pen, and a white coffee mug. Behind the desk in the center of the frame is a prominent glass whiteboard featuring black dry-erase text and diagrams. At the top, "THE 4% RULE: THEORY vs. REALITY" is written with "4% RULE" circled in orange. Below it, handwritten notes read "Is a 4% draw rate truly 'SAFE'?" and "Bengen's Theory, Poked & Prodded!" Annotations lead down to a comparison diagram titled "MYTH vs. FACT: PORTFOLIO GPS", illustrating a fluctuating dashed line labeled "Fixed 4% Withdrawal" alongside a steadily rising solid green line labeled "Active, Adaptable Plan". The background features a spacious financial trading floor with large floor-to-ceiling windows overlooking a city skyline, an overhead ticker display showing market data, and background office personnel working at computer workstations under soft, modern lighting.

J.K. Financial, Inc. 4% Theory/Rule revisited Our Manifesto

John Kvale CFA, CFP
September 4, 2026

Advanced Analysis, Advanced Analysis, Investing/Financial Planning, Market Comments, World Political

FIMA – Foreign and International Monetary Authorities and its recent use … Bessent Props the Japanese Yen … Part 1 ….

Image containing text from the Federal Reserve website explaining the Foreign and International Monetary Authorities (FIMA) Repo Facility. Heading: Foreign and International Monetary Authorities (FIMA) Repo Facility Paragraph Text: "The Federal Reserve established a repurchase agreement facility for foreign and international monetary authorities (FIMA Repo Facility). By creating a backstop source of temporary dollar liquidity for FIMA account holders, the facility can help address pressures in global dollar funding markets that could otherwise affect financial market conditions in the United States. Its role as a liquidity backstop also helps to support the smooth functioning of financial markets more generally."

J.K. Financial, Inc. FIMA Bessent JPY Intervention

John Kvale CFA, CFP
August 17, 2026

Advanced Analysis, Back to Basics, General Financial Planning, Investing/Financial Planning, Market Comments

Back to School … Preview FIMA use, 4% Rule, Emergency fund … Friday …

An illustrated cartoon scene depicting the end of summer and the start of the school year. A group of four disheartened students with backpacks walk slowly toward a brick high school building. A large white banner hanging above the entrance reads "WELCOME BACK STUDENTS! STARTING THIS MONTRAY." A bulletin board to the right features flyers for "SUMMER CAMP PHOTOS" and "FALL SPORTS TRYOUTS," while scattered autumn leaves lie on the concrete sidewalk, symbolizing the transition into fall.

J.K. Financial, Inc. Preview FIMA, 4% Rule, Emergency Fund

John Kvale CFA, CFP
August 14, 2026

Advanced Analysis, Forecast, General Financial Planning, Investing/Financial Planning, Market Comments

Drifting away from the Great Moderation Era of the last 30 years? (By-Liz Ann Sonders and Kevin Gordon) … Fast Everything and the need for careful Diversification

A stylish, cinematic 35mm photograph of a coastline at dusk, visually depicting a sharp diagonal split between two different sea states. The left side features calm, placid waters reflecting a soft orange sunset under a clear sky. The right side dramatically collides with dark, churning, turbulent waves crashing over rocks under heavy, dark red and blue storm clouds. The image has a rich analog film grain.

J.K. Financial, Inc. Drifting away from the Great Moderation Ear of the last 30 years? (By-Liz Ann Sonders and Kevin Gordon) ... Fast Everything and the need for careful Diversification

John Kvale CFA, CFP
July 13, 2026

Advanced Analysis, AI, General Financial Planning, Investing/Financial Planning, John Kvale, Personal

Mainstream AI takes the next step – Anthropic Automates Cells and Computers … Continued Jarvis Moments …

J.K. Financial, Inc.

John Kvale CFA, CFP
March 25, 2026

Advanced Analysis, Economy, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments

A Review of Five Interesting Days …. Brent, VIX, 10 Year Treasury, Capital Markets …

J.K. Financial, Inc.

John Kvale CFA, CFP
March 11, 2026

Advanced Analysis, Advanced Analysis, Education, General Financial Planning, Investing/Financial Planning, Market Comments

Updates on Foreign Currency, US Dollar … Meet the DXY aka “The Dixie” …

J.K. Financial, Inc.

John Kvale CFA, CFP
February 18, 2026

Advanced Analysis, Advanced Analysis, Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments

RMP – Reserve Management Purchases …. After completion of QT AND lowering of Short Term Rates … $40 Billion month Purchases, a slight flip flop….

J.K. Financial, Inc. Reserve Management Purchases

John Kvale CFA, CFP
December 15, 2025

Advanced Analysis, ETF, General Financial Planning, Investing/Financial Planning

Didn’t Forget the Polymarkets …. Did forget the Week … ETF, 529 in the Queue!

J.K. Financial, Inc.

John Kvale CFA, CFP
September 5, 2025

Advanced Analysis, ETF, Investing/Financial Planning

Part 3: Exchange Trade Funds/ETF – Structures: A Bucket of Assets that Can Vary from the Actual or Net Asset Value – NAV

J.K. Financial, Inc. Part 3: Exchange Trade Funds/ETF - Structures: A Bucket of Assets that Can Vary from the Actual or Net Asset Value - NAV

John Kvale CFA, CFP
July 21, 2025