Category Archives: Personal

Watch Cyberattacks as they occur …. Save the Date VERY special announcement

We ran across this  cool living graphic this week from Visual Capitalist and Norse..

This is a still picture of Cyberattacks occurring live.

While neat, this picture does not do it justice.

Click here for the actual living breathing attacks tracking as they occur. After a few minutes you will be dazzled. Especially at the scrolling monitor.

Have no idea how they track this, but figured someone would have a graphic like this. Now we know.

Save the Date

We confirmed our Holiday party venue this week and it is going to be spectacular. Please save the Saturday before Thanksgiving, (November 18, 2017) from 1-5 pm on your calendar and ready your friends and family for a fun event!

An event for kids, family and anyone who likes the change of season ….hint hint … More to come next week, but we were too excited to keep it under wraps any longer.

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.



Why you need to know your Credit Score and where to get your Annual Free Credit Report

Knowing your credit score and your credit report has become increasingly important. With updates in technology and increases of consumer related fraud, we all need to keep an eye on our credit and our credit score for protection.

Why Do I need to Know or protect my score?credit-40673__340

While you may not owe anyone, anything i.e. have a loan with anyone … well done by the way….. A bad credit score can still affect items such as your automobile and your homeowners premiums… no kidding (see this  Forbes article.) We cannot blame them, there is data to check and it is their responsibility and ability to review it.

Bottom line a bad credit score or report may be costing you more money.

Where do I check my score?

As a pro-bono author for I created my own personal free account before agreeing to author a few finance related articles for them. Their service is free, handy, and delivers a monthly update of your credit score along with reasons on why it has changed, which it does frequently, as well as tips on keeping it in check.

There are multiple services such as banks, credit cards, and other financial institutions that show your credit score on a monthly basis, several of which I also receive. From my personal experience, the score aligns better with the most common score similar to getting a mortgage. The other institutions credit score is frequently far from the 300-850 FICO score most known.

How do I get a copy of my credit report?

After you get your score, you may want to get a detailed copy of your credit report. Go to, which is a free service offered for your own protection by the three agencies. There are tons of sites out there that are not free and try to seduce you into paying an unnecessary monthly fee, this site has been checked and is safe.

You may request all three services or just use one and keep the other two available at a later time. This may be handy as you only get one free report per agency per year. If you stagger the reports you can inquire at different times, keep later dates open for inquiry.

If your report is good, there is likely no reason to get more than one agency report.  If your report has deficiencies you may protest from the site as it is reported.

Taking time to review your credit and credit score is easy and may save you angst and money!

Have a great “Safe Credit” day!

John A. Kvale CFA, CFP

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

Good Friday ….Hours…. Traveling

US Capital Markets and our office will be closed for Good Friday later this week.

I will be traveling today/Thursday as well.

Have a Safe and Happy Good Friday weekend!

Talk to you next week!

John A. Kvale

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


Two Anniversaries in One Week!

Anniversaries were abound this week. Both were happy surprises and threw us into sentimental memories!

Happy 10 Year Anniversary to Cathy20161120_002239800_ios

This week Cathy, our office manager, celebrated her 10 year anniversary.

WOW …. that is fantastic, it certainly did not feel like 10 years !

Congratulations !

LinkedIn Remembers ANOTHER Anniversary

Thanks to all who congratulated me for the nearing three decades Anniversary this week too!

Nearly three decades? Wow, seems like it only just began days ago.

Hey it only has just begun, many more decades to go!

Alright, we will stop with the mushy stuff….

It does go fast!

Enjoy those special in your life and enjoy your Friday heading into another wonderful spring Weekend!

Talk to you (Video’s) next week …..Cheers!

John A. Kvale CFA, CFP

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

Travel Schedule Update – Spring Break — Break In- GREAT ADP Report


I will be out for travels later this week and all next week on Spring Break. Oddly, the final destination of this trip may be without an internet connection as we head to an unfamiliar place that may not have a good connection to the outside world.

Due to this fact, posts will likely be very light if even existent over the next week.

Without me, you get an increase in IQ as Donald “The Brain” will be manning the ship!

Hopefully I will be checking in soon from the road… if not, there will be lots of words the following !


A very large ADP employement report was released this am… Large as in workers hired — This likely means the FOMC will for sure raise rates next week and higher rates across all terms may be on the horizon … More on this soon… !

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.


New Intro and Music -February 2017 Podcast Video, Financial Planning Tip and Economic Review- By John Kvale

February …. The Shortest month of the year!

A busy time of the year too….

We made the best of it, we covered a lot of ground!

Hope you like the new intro and music for our video!

As a reminder,  we started with an Audio Podcast format for those that are unable to SEE the video or just prefer to listen to the audio… this makes the review slightly longer, but more descriptive.


February 2017 Video

Financial Planning Tip(s)-

Simplifying the Probate Process

Thanks to all of the fantastic comments and views  .. here is the list in brevity :20170125_200814794_ios

  • Not usually complicated- some states can be
  • Probate needed for real estate, non beneficiary titled accounts or ownership
  • Creates a Letter of Testamentary
  • Multiple or Joint Executors can complicate
  • Not all Estates have to be probated
  • Inventory of assets may be needed
  • Effectively closes the Estate

One of the most crucial items for Probate to go smoothly, is organization up front.

Age 50 Catch Up Provisions

If you turn 50 by years end, you have deeper savings available to you.

  • $6k extra for 401k and the likefiftieth-birthday
  • $1k extra for IRA/ROTH and similar types

Here is the IRS reminder statement!

Speaking of reminders, we continuously find that employers need to be reminded the year one turns 50 that you can actually add extra funds into that retirement savings program — give them a call !

Will the Euro Survive?

Marine Le Pen Win Means No

According to our experts from the Out West Meeting (the one Donald The Brain Crashed in 32 minutes) if Marine Le Pen wins the Euro will not survive. This was a cross over item, as several different experts said the same thing unknowingly.le_pen_marine-9586

April 23, 2017 is the final vote.

So why are we watching this? If Le Pen wins, this may be the final nail in the Euro coffin. Assuming all believe this, capital market uncertainty would likely bubble.

  • Brexit – Capital Market shakes 3 days
  • Unexpected US president – Capital Market shakes 3 hours
  • Euro Breakup – Capital Market shake Unknown –

Our experts acknowledged this time line and lack of concern, but cautioned on becoming over confident.

Ok, we will be watching !

See you at the end of March!

John A. Kvale CFA, CFP

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