Category Economy

Audio, Cyber, Economy, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Monthly Review, Podcast, Retirement Planning, Video

October 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Donation Write off for Non Itemizers … COLA for Social … Crude Rates Bedfellow Separate, Fiber Cyber Railroads and AI Parallel … By John Kvale CFA, CFP

October 2026 Financial Planning and Capital Market Review featuring John Kvale, CFA, CFP®, with highlights on charitable tax deductions, Social Security COLA, fiber optics, AI, and railroad investment parallels.

October 2026 Financial Planning and Capital Market Audio Video Podcast format Review

John Kvale CFA, CFP
November 2, 2026

Clients/Clients Only, Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Performance Report Cover Letter

Q3 2026 Review – Interest Rate Dogs out … Different than lockdown rate increases … Invert … Old is new again-AI … 30th Annual Holiday Party, just a good start …

J.K. Financial, Inc. Q3 2026 Review

John Kvale CFA, CFP
October 7, 2026

Audio, Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Monthly Review, Podcast, Retirement Planning, Video

September 2026 Financial Planning and Capital Market Audio Video Podcast format Review … BREAK IN: Honored as D Magazines Best Wealth Managers and Financial Planner … Reviewing the 4% theory/rule … Retirement contribution reminder … Plans that did not work, Twist, Yen, being forceful … By John Kvale CFA, CFP

September 2026 Review by John Kvale

John Kvale CFA, CFP
September 30, 2026

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

FOMC’s Kevin Warsh forced to raises rates … Bond Vigilantes push back on Scott Bessent … Longer term comparables getting closer …

Late 2025 (October–December):Starting Level: Began October 2025 around 4.09%–4.10%. First Major Drop: In late October/early November 2025, dropped sharply to approximately 3.87%. Second Major Drop: In mid-December 2025, plummeted down to roughly 3.64%. Early-to-Mid 2026 (January–August):Extended Holding Pattern: Remained nearly flat near 3.64% through April 2026. Slight Dips: Ticked slightly lower to around 3.62% during May–July 2026. Recent Spike (September 2026):Current Shift: Bounced back up sharply in mid-September 2026, reaching 3.88%.

J.K. Financial, Inc. Warsh raises, Rates rise, Relief via Comparables in the Spring of 27

John Kvale CFA, CFP
September 28, 2026

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

Markets push back on Bessent, review preview … Greek clarity and second factor … Friday ..

Koyfin line chart comparing US Treasury yields across a 1-year horizon ending in late September:10-Year Treasury Yield (US10Y): Orange line, trading at 5.147% (+0.61%). 2-Year Treasury Yield (US2Y): Blue line, trading at 4.899% (-0.08%). Trend & Structure: Both yields trend upwards throughout the spring and summer months, experiencing a steep upward acceleration through August and September. The 10-Year yield trades consistently above the 2-Year yield, illustrating a classic un-inverted, upward-sloping yield curve environment as long-term rates hit 5.147%.

J.K. Financial, Inc. Rate preview, Greek Update pending

John Kvale CFA, CFP
September 25, 2026

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

A walk with a Greek … Kevin pulls the trigger … A 53 and 64 Friday?

Line graph showing the trends of WTI Crude Oil prices (CL1) in blue and Brent Crude Oil prices (CO1) in purple, alongside the Federal Funds Target Rate (FDTR) in orange from January 2023 to October 2026.

J.K. Financial, Inc. A Greek, A Kevin with a Hammer, A 53 & 64?

John Kvale CFA, CFP
September 18, 2026

Audio, Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Monthly Review, Podcast, Video

August 2026 Financial Planning and Capital Market Audio Video Podcast format Review … 30th Annual Party Reminder/Invite … Cash Purchase Reminders … Social Security Reminder to review … FIMA/Bessent/Warsh … By John Kvale CFA, CFP

Infographic for the August 2026 Financial Planning and Capital Market Update. The top banner announces the 30th Annual Holiday Party on Sunday, Nov 22nd at 1 PM. The left column features a video and podcast player displaying the August 2026 Update title and a professional portrait of John Kvale. The middle column outlines Financial Planning Tips: 1) Cash Purchase Reminder regarding homeowners and title insurance, 2) Social Security Reminder to confirm annual benefit records, and 3) Bottom Line advice on account recommendations. The right column highlights Capital Market Comments including Bessent interactions and FIMA, Operation Baby Twist ($10 billion vs. the 2011 twist), and the Jackson Hole update with FOMC Chair Kevin Warsh. The bottom includes links for Videopress and YouTube.

August 2026 Review by John Kvale

John Kvale CFA, CFP
August 31, 2026

Economy, General Financial Planning, Investing/Financial Planning, Market Comments

New Born Accounts next week for sure! … Petro comments … Friday …

A detailed retro-vector infographic divided into thematic sections. On the left, a large hourglass filled with oil droplets and gears flows onto a calendar marked "Monday" with the text "Week Dashed By...". The center-top reads, "BOTTOM LINE: we like taking the $1k jump start! for those born 2025-2028" next to a stack of gold coins. The right side shows an oil pipeline labeled "BRENT CRUDE" and "WTI CRUDE" supported by diverse hands, set against a rising stock chart and the text "Watching Petro CLOSELY... Geopolitics & Black Gold." The bottom right features a peaceful sunset over an industrial oil refinery with the text, "Ahhhh... Have a Good Weekend — Talk next week!"

J.K. Financial, Inc. New Born Preview, Petro Comments

John Kvale CFA, CFP
July 17, 2026

Audio, Economy, General Financial Planning, Investing/Financial Planning, John Kvale, Market Comments, Monthly Review, Personal, Podcast, Retirement Planning, Video

June 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Try before you Buy … AI vs Dot.com … Kevin Warsh first dance … By John Kvale CFA, CFP

A detailed educational infographic titled "JUNE 2026 VIDEO REVIEW: FINANCIAL PLANNING, AI DEBATE & CAPITAL MARKETS." The header includes "HEDGEYE RESEARCH INSIGHTS" and a footer "TALK AT END OF JULY - 2026." The infographic is divided into three primary vertical columns on a light blue background with glowing teal highlights, featuring graphs, buildings, and financial symbols. The first column (left), labeled "TRY BEFORE YOU BUY - RESIDENCE PREPLANNING," features a central house with a "TRY IT" tag. Surrounding circles illustrate relocation factors: "NEIGHBORHOODS & ASCETICS" with a magnifying glass on houses; "CLIMATE & HEALTH CARE" with a weather globe; "PEOPLE & TRAVEL ACCESS" with a map and airplane; and "DENSITY" with a bar chart; and a path for "OUTDOOR" and "PARKS, NATURE & ADVENTURE." The second column (center), titled "AI HYPE VS. REALITY," has a large balance scale. The left pan weighs "THE MONETIZATION OF FEAR." The right pan holds an AI robot hand passing documents to a person, labeled "MEDICAL ADVANCES" and "NEW MEDICINES LIFE SAVING PROCEDURES." Below, a banner reads "GALLOWAY: FEAR AS A STRATEGY." A section for "OUR VIEWS" includes bullets: "SLOWED ENTRY-LEVEL JOBS," "GREAT INDUSTRY CHANGES, CAUTION NEEDED," and "AI DATA CENTERS IMPROVES RESOURCE RESOURCE EFFICIENCY," with a diagram of server racks. The third column (right), labeled "CAPITAL MARKET COMMENTS" with a banner "KEVIN WARSH'S FIRST DANCE," shows a man in a business suit gesturing by a "USD" bank building. Pointing indicators detail "LOWER RATE FRIENDLY STANCE," "LESS FOMC COMMENTS," "PREDICTING LOWER CPI / INFLATION PEAK" (with a downward-trending graph), and a final bullet: "MAJOR CHALLENGE: LOWERING BALANCE SHEET / NO MORE STIMULUS."

June 2026 Review by John Kvale

John Kvale CFA, CFP
July 1, 2026

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

Kevin Warsh new Fed Chair first dance! Changes are coming …

Kevin Warsh, FOMC Chair, for reference of his actions, Federal Reserve leader and Federal Reserve decisions, and leader

Kevin Warsh New FOMC Chair

John Kvale CFA, CFP
June 22, 2026