Category Archives: Audio

Q 3 2017 Newsletter Video Audio Podcast Review By John Kvale

Welcome to our Video and Audio Podcast Review of our Q 3 2017 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 here for direct link to an electronic version (an early peek-good ole fashion paper versions are on their way to you shortly)

Let’s get going!

Residential Housing Price Analysis

Sometimes the best article ideas turn into more than we ever think. In our Q 3 2017 newsletter,  we set out to review Residential Housing Prices over the last half century. Seven graphs later we come up with more  observations than conclusions. We think you will enjoy the journey– be sure to listen or watch the Video as it gives great details of our frustrations and discoveries.

What we are doing this Summer

Our editor insists and we always receive nice comments back on our Summer plans- with more focus on you and the world, it is hard for us to talk about ourselves, but this is our annual print coverage to do so … we hope you enjoy the pictures as well as our sharing of our summer plans.

Fitbit App of the Quarter

While not really an “App” we review the app that goes with our Fitbit finding and speak on the surprising changes in behavior this unassuming device has had, as well as a few family tussles, all in good spirit.

Parting Thoughts

Watch for a reminder of our hopefully awesome Saturday Before-Early November 18 Holiday Party as we learn how to use all our new technology that we have deployed this summer.

Thanks for the time!

John A. Kvale CFA, CFP

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

 

Q 1 2016 Audio Newsletter Review By John Kvale

We are happy to bring to you our Audio Review of the Q 1 2016 Newsletter.

Q 1 2016 Audio Newsletter Review

 

YouTube Direct Link

Newsletter Link

Have a Great Day!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225

 

 

 

Medicare Part D: Prescription Drug, From our Client Roundtable Event

In our series from our Private Client Roundtable event earlier this year, Mr. Tom Clark gives us the details on another part of Medicare, today we continue with the final Medicare alphabet soup:

Medicare Part D

Click here for Audio

Medicare Part D: Prescription Drugs

Two groups who DO NOT need Medicare Part D:Medicare Part D

  • Folks with Employer retirees coverage (Medicare subsidizes, employer wants Part D payments, careful with choices, AUDIO EXPLAINS well)
  • Medicare managed care plans (almost all include Part D, no need to duplicate)

If you do not fall into either of these groups, you have 36 options in the state of Texas.  Once again, YIKES!

Another Important tool for Picking the correct plan

With 36 options, finding the best Medicare Part D plan is best done using the Medicare.gov site we reviewed earlier, this time in a different area of the site:.

  • Go to www.medicare.gov
  • Click on “Drug Coverage Part D” drop down tab (direct link here)
  • Click on the “Find health and drug plans” tab
  • Enter your information and this handy tool will assist in picking the best plan for your situation
  • Especially helpful if you are a child of an elderly parent who helps make these decisions (great example in the audio)

We give the directions as these direct links often change.

Annual open enrollment is Mid October through the end of each fiscal year.

 Thanks Tom,  once again, we appreciate it …. Wow what a lot of information !

Have a Great Day!

John A. Kvale CFA, CFP

www.jkfinancialinc.com
www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225 
 

The Medigap Policy for Medicare: Our Supplemental Coverage Series from Our Private Client Event

In our continued series from our Private Client Roundtable event earlier this year, Mr. Tom Clark gives us the details on supplemental coverage. As mentioned last week there are three possible broad supplemental options, today we conclude the three-part supplemental series with the Medigap Policy for Medicare.

Medigap

Click here for Audio

The Medigap Policy supplemental Plan

Very similar to group Health Coverage (Non HMOish)

  • Patient driven
  • Pick your doctor
  • Pick your provider

First Pick the correct plan: A, B, C, D,  F, G, K, L and N …. Yikes

How do you pick the correct Plan?

  • Some policies cover outside USA
  • Plan F most popular
  • Align your most important needs with the services covered
  • The more you pay … the more covered

Another tool for Picking the correct plan (Texas Only)

Similar to Part C, Medigap Polices are numerous and can be confusing.

You guessed it …  Tom Clark our speaker has another secret website, this time only available to folks living in Texas, enabling them to compare monthly premiums:

 Thanks again Tom for the link to the Rate Comparisons, we hope other states adopt this format as well …. John & J.K. Financial, Inc. 

Have a Great Day!

John A. Kvale CFA, CFP

www.jkfinancialinc.com
www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225
 
 

Medicare Part C: Our Supplemental Coverage Series from Our Private Client Event

In our continued series from our Private Client Roundtable event earlier this year, Mr. Tom Clark gives us the details on supplemental coverage. As mentioned last week there are three possible broad supplemental options, today we continue with a second possible supplemental option:

Click here for Audio

Medicare Managed Care supplemental Plans

AKA Medicare Advantage and AKA Medicare Part C:Medicare Part C

  • Very much like a Medicare HMO
  • Set co-pays for expenses
  • Very competitive keeping costs down
  • Sixteen possible options in Dallas, similar options most likely in larger urban areas

Important tool for Picking the correct plan

Due to the afore-mentioned competitive options, finding the best Medicare Managed Care/Part C plan for you can be daunting.

Not to worry, Tom Clark our speaker pointed to the solution and speaks of a very personal success story of a relative, which is included in the audio.

  • Go to www.Medicare.gov
  • Click on Plan finder tool (direct link here)
  • Enter your information and this handy tool will assist in picking the best plan for your situation

 Thanks Tom for the secret link to the Plan Finder tool, we appreciate it …. J.K. Financial, Inc. and clients …  NICE!

Have a Great Day!

John A. Kvale CFA, CFP

www.jkfinancialinc.com
www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225
 
 

Supplemental Coverages after Medicare A & B … Why do I need supplemental ?

In our continued series from our Private Client Roundtable event earlier this year, Mr. Tom Clark gives us the details on supplemental coverage. There are three possible broad supplemental options, today we get started with the easier of them.  But First….

Why do I need a supplemental coverage?

Medicare A & B will cover about 80% of your expenses. By listening to the short audio from Mr. Clark, it is easy to see how the remaining 20% can still become a debilitating cost.

Click here for Audio

Employer Group Medicare Supplemental Plans

You either have the option or not :Group Health

  • Long term plans supplemented by a company/former employer
  • Due to the above mentioned supplement, cost savings are sometimes available
  • Often the best coverage choice, BUT
  • High deductible can render these plans ineffective
  • Not available to everyone

Next up, more supplemental options!

Have a Great Day!

John A. Kvale CFA, CFP

www.jkfinancialinc.com
www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225

 

 

 

 

Medicare Integration with Company Group Health Plans

Once considered a late retirement, today the “norm” is becoming for many to work well into their most knowledgeable years, far past age 65, the coverage age date for Medicare.  Luckily for us, Tom Clark explained the nuances of this at our Private Client Roundtable Event, earlier this year.

Integration of Medicare with Company Group Plans  

Integration

Click Here if Audio Link not showing above

Here are the key items to understand when working past the Medicare benefit commencement age.

  • Employer of 20 or more people and still working, employer group plan will pay first
  • Employee may want to take Part A to be a back up to employer group coverage
    •  High Deductible Plan pre-tax deferral of HSA not allowed
    • Also, if taking Social Security and age 65 will be automatically enrolled in Part A Medicare, again disallowing HSA contributions

As mentioned earlier in this post, this situation is one of the only times you may want to not sign up for Part B as this would commence the premiums which are secondary and overlap to your current employer based group coverage.

In our experiences, it is always better to let both your employer and the government/Medicare your intentions, clearly and repeatedly. Keep good records of your decisions as well ….  J. K. Financial, Inc.

Have a Great Day!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225