Category Archives: Personal

Text at your own risk in Texas … Now Illegal as of Sept 1 – Safe wishes for those in front of Irma

The data is clear, texting is a distraction … heck even talking on the phone while driving can be dangerous.

Texting and Driving Made Illegalad0f7795-a9f1-44e7-9d5b-2faa36a0a4e3-1720-00000190cac62bcd

As of September 1, 2017, this bill made texting and driving illegal in the state of Texas.

While hard to enforce, it is a step in the correct direction. The penalties are not strict at this time, but a ticket is a ticket.

Washington was the first state to ban texting in driving in the year, 2007 YEP, 10 years earlier.

Currently there are 47 states that have made it illegal to text and drive. No idea.. Wow!

This is one of the reasons I love doing this blog for everyone, I had no idea that 46 states had already banned texting!

Irma WishesIRMA DCT_SPECIAL109_1280x720

Best wishes to all of those who are in front of this sudden second major hurricane! After speaking at length yesterday to many in Florida … it’s going to be very tough no matter the outcome, be safe and best wishes. Our friends in Puerto Rico avoided the worst, we hope our Floridian family and friends do as well…

Have a good safe weekend for all and we will talk to you Monday!

John A. Kvale CFA, CFP

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


Friday Labor Day Weekend – Office Hours – Hurricane Harvey wishes

This coming Labor Day Holiday Monday represents the unofficial end of summer to some, my gang, as mentioned last week feel freedom was lost this week, with school starting this most recent Monday.

  • Many Pools Closedfootball-1-1551755
  • Full schedules to start
  • Homework, homework, homework
  • Shorter lighted days — yikes

BUT… are you ready for fall sports !

Capital Markets, as well as our office, will be closed on Monday, in honor of labor day.

Hurricane Harvey

We are sending our best wishes to all those friends, families and clients displace by Hurricane Harvey! We are happy to report Donald “The Brain” has had minimal damage up to this point and is safe and sound. We do have relatives and friends back in the new path and wish them safety and well being…

Given the devastation it looks to be years of rebuilding. Many blessings and well wishes!

Once again a test of the resilience of our country that will certainly be endured but will be collaborative as we regroup and rebuild!

Have a great Friday and long weekend!
John A. Kvale CFA, CFP

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

Coming soon, Fun 1 Minute Videos for the New Vault … Annual Extended Stay Travels Begin … Friday

Next week we will start rolling out our 1 minute (I promise on the time…not easy for a chatty .. haha) fun educational videos with yours’ truly sharing a few fun features and techniques for our New Total Vault.

None have been recorded so far, but we look forward to sharing and having fun with the videos as we all learn our New Vault features together.

Annual Extended Stay Travels20160805_122810648_iOS

As you read this, the wheels are turning towards our annual extended stay trip with fellow advisors,  lots of family, friends and of course a Tennis tournament in the middle of the trip back in Texas.

So far the technological upgrades are doing great and we look forward to putting them to the full test this year !


We are half way through the summer according to the little ones in our gang … they are not happy about heading back to school, but it’s all good.

It goes fast, enjoy your Friday, heading into a GREAT Summer weekend !

John A. Kvale CFA, CFP

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




Travels – Office Schedule – Happy Fourth of July

As mentioned last Friday, travels are on the calendar this week and with a Fourth of July Holiday on next Tuesday, the work calendar has a few holes.

We will not be in the office on Monday as capital markets are only briefly open.

Have a wonderful Fourth of July Holiday weekend!


John A. Kvale CFA, CFP


Happy 15 Year* Anniversary, Congrats to Donald “The Brain” – Technology Update – Friday

Note the * asterisk by the 15 years… it’s really 19 YEARS ! …. Including part time school work.

Congratulations to Donald “The Brain” on his 15 year anniversary.

From an early start while working during the summers driving 30 miles each way, to trudging through the well documented EXTREMELY difficult CFA exam, to helping everyone through the the Great Recession of 07-09 ….

Well done and congrats. Hopefully the next 15 will go a little slower! Doubtful !!

Technology Update

The Monday technology upgrade turned into a Wednesday upgrade and with a turn-around trip Thursday in the calendar, nails were bitten short Wednesday afternoon. We are happy to announce the upgrade has been completed with very few hitches. There are a few follow up items to do when the server is resting from regular use (during the 4th of July holiday), but we are 95% complete.

Each year we take on technology improvements during the summer, this year:

  • More New Vault Features
  • New Web Page
  • Improved internal email systems and management

We will wipe our brow and set in to learn the new features …. thankfully all went well!

Next Week

Donald “The Brain” has much deserved travels on the calendar to a cool climate north East, with a tail end of the week showing travels for myself as well… good time for us to test all this new fancy technology.

Today is a WONDERFUL Friday, enjoy your day, your weekend, be thankful, and 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.


Handy Travel Helper … Gas Pump Side, Texas Grand Slam, Friday

Have you ever been in a rental car and could not figure out which side of the car the gas pump is on?

Heck, maybe you are driving a friend or family members car and wanted to return the vehicle topped full of gas?

Of course when you pull into the station there is a line in front and behind you and you do not have time to think about getting out of the car to look…so you take your 50/50 chance only to find out you guessed wrong!

We have a secret for you!


See that little Arrow next to the gas pump, in this case pointing to the Right?

Yep, that’s the side of the car your gas is on! Go figure!!

Why the heck did someone not show me that sooner? Hat Tip CS !

Texas Grand Slam Junior Tennis Tournament

Starting today, (our gang leaves tomorrow- including Chacca the dog) over 1200 junior tennis players age 12-18 in Texas converge in a small town in Western part of the state … raising the population by more than all Hotels and Restaurants can handle (some friends are staying 30 miles away due to lack of availability).

In a true Win or Go Home format …. with the former occurring repeatedly the event could last for 10 days … Wow !! Not to worry, there is a one stop Greyhound back if needed… Not Kidding!!

Needless to say, the travel schedule is interesting next week… But they have internet and we have a big technology upgrade going on next week… All good !

Ahhhh…that is next week and today is a Friday heading into and early Summer weekend … enjoy yours and we will talk to you next week with more Sneak Peeks from some cool Newsletter articles!

Have a Great Friday/Weekend!

John A. Kvale CFA, CFP

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

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.