Category Archives: Clients/Clients Only

Born in Long Island … 16 Years Banking/Wall Street … Welcome Jen Hill to J.K. Financial, Inc.

With a sixteen year, Lower Manhattan/Wall Street banking background, there has to be a story? – and yes there is … there are no  Y’all and Fixin’s from her, “The Brain” and I of course slip frequently …. 

This is the official introduction to Jen Hill our new Operations Manager….

Long Island to Manhattan – Deutsche Bank to HSBC (16 years total) – then on to Dallas- She looks forward to meeting everyone at the Holiday Party this Weekend!
Jen Head Shot

Born and Raised in Long Island – Now at J.K. Financial, Inc.?

Raised in Long Island and after spending half of her college years in Pennsylvania and the remaining back in New York … the journey began…

After a multi-year stent in real estate with a family member, and then a two year advertising job representing a famous (and fun) rum – the Financial World of New York was calling…

Working her way up from a starter position in documentation at Deutsche Bank then on to  Option settlement … finally to end up at the High Net Worth phone bank (AKA High Maintenance Desk) – after six years a move was in the cards…

Ten – yes TEN years at HSBC in product control and dealing with the great financial crisis first hand… the two hour each way – EACH WAY – commute was too much, and a move to Dallas was in the cards.

With a spouse that formerly was a professional baseball player, now a fireman for an area town, Dallas is the new home of four years now.

Jen and Jeremy Hill have two children, both of which are now in a local elementary school and a much closer 10 minute commute from the office – whew

We welcome Jennifer “Jen” Hill to our firm!

Oh.. but wait there is another bit of information….

The introduction was made via a sport you all know we have family connection ….
Jen Hill

Jen is a on a tennis team that included Pam – such the intro –

Have a Great “Welcome Jen to J.K. Financial, Inc.” Day!

John A. Kvale CFA, CFP

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

Holiday Party RSVP Deadline Reminder – Friday

Today is Our headcount reporting day for our Holiday Part at DAC –

You know the one…

We are looking forward to seeing everyone next weekend – Don’t forget we have a super photographer there too, for possible Holiday Card Pictures !

Next week … Jen’s formal introduction and background.… but …. That is NEXT week –

Today is a Friday … Have a Great weekend – talk to you 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.

We are happy to Announce the firm is Growing – Meet Nathan Elliott Capone!

On October 11, 2018 a new member of the Capone Family was born …

Nathan Elliot Capone

Nathan Capone

Congratulations to Randi and Donald —

Great Parents, Great Family, Great sibling relationships – as you can tell from the picture.

Told ya it was BIGGER NEWS – doesn’t get any bigger …

We hope to get a glimpse at the Holiday Party – no promises, baby stuff happens and that is a quick public showing —

Very happy to announce, Randi and Donald (spoken to The Brain several times) seem great, well rested, home from the hospital,  and of course super parents….

Have a Great “New Family Member” Day!

John A. Kvale CFA, CFP

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

Happily honored as Dallas Magazine Best of Wealth Managers and Best Financial Planners – Holiday Reminder – Even BIGGER news next week – Friday*

We are very happy to announce our nomination to D Magazines Best Of Again !

D Magazine Best of Dallas

For those fellow Dallas Sites – be sure to check out the current Issue of D Magazine, hitting the stands first thing this am – which will have the follow awesome picture:

2018 Best Wealth Managers -

Jen and Donald picked the photo – we had tons to choose from …. from our fantastic photographer Bret – who by the way will be shooting pictures at the Holiday Party!

Can you believe they chose the picture showing the most Grey? Grrrr

When commenting on this fact, an assurance of “SEASONING” was mentioned – Ok … so you guys are still sore about the Black Eye incident – look close, Donald “The Brain” has a huge shiner, saved by Jen’s cover up …. as mentioned earlier here!

Twelfth Consecutive Financial Planner Award

Luckily, yours truly was also awarded Best Financial Planner award for the TWELFTH consecutive time … given the gray in the picture above, maybe silence is better?

It is an honor, to be named in both portions of the D Magazine Best Of Series  – Most proud to be named as a firm, to recognize those that REALLY make is possible — The Gang at J.K. Financial, Inc!!

Well done Guys !

This is also the un-official introduction of Jen Hill our new Operations Manager — more on this soon ! New York native … Deep Wall Street Background ….. Spouse Former Major League Pitcher ? All True.

Holiday Party Reminder

The following invitation is headed your way today ….  Please save the date and plan on coming, as mentioned earlier, Bret our fantastic photographer will be there – snapping possibly… Holiday Card Photos for all in attendance!

10-9-18 - Holiday Party Invitation

Friday Before Even Bigger Announcements

Today is a Friday … enjoy your day and your weekend….

In an unbelievable Announcement day – next week we have even a BIGGER Announcement – Yep, not kidding – BIGGER !!!!

Stay tuned… hold that breath … Next week will be here shortly

Have a Great “Big Announcements” Day!

John A. Kvale CFA, CFP

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

Third Quarter 2018 Cover Letter

The third quarter of 2018 is behind us and the original theme from the first month of the year seems still most appropriate, patience. After rocketing to an unsustainable trajectory in January, the excuse was an over use of a dangerous product, the reality looks to be, we just got too far ahead of ourselves and corrected harshly to a more reasonable trajectory.
It was the Best of Times, it was the Worst of Times
As we look forward, the best part of the year “historically” lies just in our view as we finish the year. Using history as our guide, oddly the first month of the coming quarter has been the most treacherous. Not the time to get to overzealous or glum!
Earnings Eventually Matter
In our Q4 2018 Capital Market Newsletter Article we discuss in detail the correlation of earnings and capital market movement. This obvious connection does not always hold true in the shorter term as aggressive emotions such as greed and fear overshoot constantly in both directions. Eventually the correlation re-connects and more normal heads prevail, making earnings growth and market growth work in tandem.
Interest Rates
The fear of, or at least watching for, an inverted yield curve has grown in popularity. We discussed this item last quarter in great detail. Oddly, when many are looking for an event, it loses it’s predictability. We are not ignoring, and will continue to monitor, but we are concerned at a possible loss of predictively with the crowds of followers swelling. Predictive or not, the FOMC (Federal Open Market Committee) has been slow and open to interest rate increases, so far, and capital markets, the economy and participants are very happy with the increases and have digested them nicely.
Bonds, most effected by interest rates, and one of the safest asset classes tend to feel the headwinds most of higher interest rates. Higher, and increasing rates are initially a headwind, but once the increases stabilize, they become a tailwind, and increased yields push more money into our pockets. This cycle is no different, other than the fact that interest rates we so unprecedented low to begin with, this temporary headwind seems stronger than in other cycles, but it is really not. Look for more details on this subject again in our coming Newsletter.
Have a good start to fall!

John A. Kvale CFA, CFP

Save the Date! 23rd Annual Holiday Party … Saturday November 17th from 3-5 pm Dallas Athletic Club – Caught Ya, Tricky spam site warning …

Its that time again!

Well almost…

The 23rd Annual (YES 23 YEARS!) J.K. Financial, Inc. Holiday Party



Saturday – November 17th, 2018

from 3-5 PM


We look forward to seeing everyone there and will send out formal invitations soon !

Tricky Spam Link – Fake Amazon

Our newest team member continues to jump into the water … even as we promise it is not cold… haha

Coincidentally .. with our IT folks on the line, Jen’s computer, just by chance began speaking to her and telling her to call Microsoft – Fake number of course –

IT folks quickly took over and fixed the problem — or did they?

A few minutes later after heading back towards amazon again for office supplies, the computer was chirping at us again…

Get this – a fake Google Ad Word hot link was jumping in front of the actual Amazon link – after a few repeat offenses, the link no longer came up – Maybe they used all the funds they had???  No matter, be careful, this was a crafty fake request – no damage though!

Feels like Fall Friday

It’s cool here, and looks to be for a few more days … enjoy your Friday and your weekend, lot’s of video’s coming at you next week – but that is next week!

Have a GREAT “Save the Date, Feels Like Fall Friday” Day!

John A. Kvale CFA, CFP

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

Monica’s Last Day Friday – But Wait? Hello Jen – The Whole Story

After 11 years with Cathy at the pilot position, saying goodbye to Monica after only 5 months feels like a revolving door at our office –

HOLD on just a second!

The Rest of The Story

Early in the year, Cathy gave us ample notice of her intent to retire (we are happy to report she is doing GREAT – enjoying every day away from the city streets!)

Through our contacts we began a search for Cathy’s replacement – to no avail!

About a two weeks before Cathy’s intended retirement we offered Jen Hill the job, but with an extra little household, she could not start until this fall, when all would be in school.

At that moment we had decided to struggle through the summer and just “Make it” until the end of summer.

Enter Monica!

Days before Cathy was to retire, we luckily found Monica – those that have met or spoke to her, understand the meaning of luckily.

Honoring our word, but knowing there was a fair amount of runway, this is the first announcement of how these events occurred.

Monica and Jen

This week Monica is training Jen and to see the two of them smile, chuckle, share the systems is wonderful – Was very nervous at the start of the week. All good!

Good News!

Feeling so lucky to have Monica over the summer, word was spread of her fantastic abilities and attitude –

We are very happy  to report a friend in the industry, luckily scooped her up in literally a seamless transition, as even her new office is about one block from ours!

Regular Lunch Catch-Ups for sure – She promises to be at the Holiday Party too!

It’s weird how in such a tight job market, we run into two great wonderful people to pilot the ship!

We will introduce Jen in the future, but today’s stage is a thank you to Monica – it’s been so great to work with you – We will miss you!

Have a Great “The Rest of the Story Day”

John A. Kvale CFA, CFP

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