Category Archives: Education

Sneak Peek at App of the Quarter in the Coming Q 3 2017 Newsletter

Its hard for us to hold off on surprises…

It’s hard for us to hold off on fun articles too…

With lot’s more details coming in the next Newsletter….

Surprise! Here is a preview of the App of the Quarter.

App of the Quarter20170604_161221000_iOS

This quarter’s App is more of a device and a new way to track yourself as we review the Fitbit and it’s changes on our behavior.

Step Tracker

Mostly known as  a step tracker, we argue there is more to these devices than just a fancy step tracker, although they do a great job of monitoring your daily activities via your motion or steps.

Also lots of fun for friend and family challenges…cheating accusations will occur, especially from smaller frames to larger ones.

Heart Monitor

With a family of high blood pressure, the heart monitor was very intriguing…. you may not beat as often as you think, leading to possibly better blood pressure than monitored while under the pressure of your regular doctor or just before the knife of your friendly dentist.

Sleepy? Maybe you are not sleeping enough?20170606_193726000_iOS

One of the biggest surprise is just how little sleep you may be getting, unknowingly. Take pride it getting 8 hours of sleep, just as the Dr. ordered? Bet you are not getting as much as you think you are. Yes these devices also monitor our sleeping.

Look for more in the coming Newsletter as this is just a taste to wet your self monitoring appetite!

Have a Great Day!

John A. Kvale CFA, CFP

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


October 2016 Video, Financial Planning Tips and Economic Review- By John Kvale

Here is our October 2016, Financial Planning Tip (S) and Monthly Economic Review, along with a Video for your viewing and listening pleasure. Hope you enjoy!

October 2016 Video


Financial Planning Tip(s) –

Charitable Giving from An IRA

Yes we CAN finally donate funds from an IRA, as our post reminds, as long as we meet the following requirements:

  1. Already be age 70 ½ on the date of distribution
  2. Submit a distribution form to the IRA custodian, requesting that the check be made payable directly to the charity
  3. Ensure that no tax withholding is being done
  4. Send the check directly to the charity, or to the IRA owner to be forwarded along to the charity

Tricks for Getting Health Insurance

Here are a few great ideas we have learned over the years, as mentioned here for getting Health Coverage:

  •  Stay on your significant others coverage as long as possible
  • Be a member of a select group-
  • Create a Group
  • Six month Cobra Extension
  • Employer Qualified Long Term Benefits
  • Military Members 

Cool College Review Information

Our somewhat humorous, but handy review of Princeton College Ranking Review.  Some good and others, well maybe you would rather not be a part.

Economic Update

Banks are Lending



On the far right…. look at that money dripping out of the banks and into the US Economy….

Speaking of Economy, how about this NICE GDP (Gross Domestic Production) release- Far right graph bar rising… THAT’s GOOD!



Have a Great Day!

See you next month !

John A. Kvale CFA, CFP

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


College Rankings You Want to Check 

College visits abound!

Yes it’s that time of the year when we as parents start making the campus visits and attempt to sway our kids a good direction without showing our cards and… hope for successful results!

What if there was a ranking of items important enough to us adults that may nix a few schools from the travel plans and move a few into the “must” visit zone?

Nah….Not a normal list, but a list of top rankings most of us should at least review?

Princeton Review College Rankingsprinceton-1219023

This review ranks items we may have otherwise forgotten or didn’t even think of in the first place.

A ranking secretly many adults would like to see their alma mater on, but would think twice about sending our kids to …

Top Party Schools in the USA?

Or maybe the Least Happy Colleges?

Biggest Greek influenced schools?

How about the overall Best Quality of Life Colleges?

With the top 20 Colleges in 62 categories, there is something interesting for all!

No matter your most important item, this list is worth a peek!

Have a Great top 20 Category College Day!

John A. Kvale CFA, CFP

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

Giving back … over 90k views – Wow – Travels

Earlier this week this email arrived in my inbox….

Hi John,

You’re being highly viewed on Advisor Insights. You’ve just exceeded 90,050 total views!

Wow… So happy to be a part of the pro-bono effort of Investopedia as an expert advisor to answer questions from respondents.JK Investopedia


Right at this moment …from the air, the in-flight Wifi is TERRIBLE and we have lots of turbulence.. so this post will be short !

Enjoy your LOOONG weekend … Talk to you next week !

John Kvale CFA, CFP

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


Financial Planning Document Checklist

Recently someone in the office asked if we had a list of needed or handy documents for Financial Planning.  Ahhh.. No…

A post topic is born.Finanicial Planning Doc

Financial Planning Document Checklist

  • Tax Return
  • Estate Documents (Will, Trusts, Power of Attorney)
  • Life Insurance Policies
  • Company Benefit or health coverage information
  • Liability Insurance (Homeowners, auto and other)
  • Retirement Plan Documents and statements (401k, SEP, IRA …)
  • Pension Plan Documents
  • Social Security Benefit Statement
  • Option, RSU or Other specific company benefit
  • Investment Documents
  • College Savings Plans

While not exhaustive, this is a terrific start to the most handy and needed Financial Planning Documents!

Have a Great, more Financial Planning Organized, Day!

John A. Kvale CFA, CFP

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




New Vault … Here comes the Sizzle! Connecting All of your Financial Accounts … Yep! (Clients)

First we showed you how to find your New Cool Personal Vault. Then we showed you how to upload documents to your New Cool Personal Vault.

Here comes the first of many … Sizzles !

Now we show you how to connect all of your financial accounts, from anywhere and anyplace.

Why would you do this? You will be able to see all of your financial life in one place, all at the click of a finger. Also, the more information WE have in real time, the better we can watch and serve you. After you connect your accounts we can see it in real time too!



Just think, no more sending us your pension, credit card, bank account or 401k statements for review… We will all together have it constantly …  Yeaaa !

Enough talking … let’s get to it!

Log In, just as you have done before.

Click on the Organizer Button on Top (Circled in Red below)

Then click on the Accounts Tab (Circled)

Organizer Primary Screen Circle Acct Organizer.jpg

Here is the Next Screen you will see – Click on the Add button (Circled)

Add Account Root Screen W Circles

Here is your next screen, click on Online Login!

On line Log in screen.jpg

Now enter the name of the institution and the specific branch of your financial account.. we used Fidelity, just for example purposes.

Add Specific Institution Name

The next screen will bring you to the credentials screen of your specific financial institution… some may look slightly different. Safely enter your credentials and the system will link the account to your New Personal Total Vault.

Username Password enter screen

Boom….easy as that. There will be some challenges with certain institutions, but generally we find with each connection, it gets easier.

Now you will be able to see all of your accounts at once, in one place, and we see what you see, in real time !

This is one of many reasons why we are so excited to bring you a New Total Personal Vault!

But wait…there is more to come !! Not Kidding!

Have a Great Day!

John A. Kvale CFA, CFP

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

Jeremy Siegel …. Investopedia 19 thousand views … Market Comment

This felt like a Wharton Business School week.

After guest hosting the Wharton Sirius Radio show on Tuesday, on Wednesday who pops out of the hallway for a speaking event that I was attending, none other than Wharton Professor, researcher, and noted author, but Professor Jeremy Siegel.20160518_202754686_iOS.jpg

Thanks to a quick handed friend nearby, a picture was taken. There was even enough time to ask if he was friends with Kent Smetters, the host of the radio show, which Professor Siegel said of course he new him. Not being too impressed by the fact that I was a co-host just 24 hours before… I asked Professor Siegel to say hello to Kent for me anyway…

This time, unlike Professor Siegel’s last appearance, we were able to get his slide deck… expect some great posts in the future as we dissect his views …. ya ya nerds… Hey this guy is kinda famous in our industry!….still nerds…

Investopedia Update – 19k Views ! WOW

In an effort to help many, in a public manner, this week we were notified that our top three Investopedia answers had received more than 19 thousand views.

This was great news as the weekend question answering is doing good and gave new enthusiasm!

Market Note

On Wednesday of this week, the FOMC (Federal Open Market Committee) released their minutes from the most recent official meeting on April 26-27. There is a slight delay for completion and digestion purposes.

Bottom line – FOMC members are telegraphing a possible June rate hike. Short term a headwind, long term a positive from our perch!

We have some great information from various sources on this subject …. BUT it is a Friday and this has become a longer post than our normal Friday… Enjoy your weekend and look for more info soon on all of the above!

John A. Kvale CFA, CFP

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