Our 25th Annual Holiday Party is shaping up to be great fun…. We have a neat surprise at the event, VR (Virtual Reality) for those that have not seen the possible future of meetings, gaming and communication… Thanks to the 14 year old for setting this up!
RSVP Deadline is Monday November 8, but we have a little wiggle room if you have reason for a late decision!
Slower Processing Time Warning
A while ago here, we mentioned the commencement of RMD’s (Required Minimum Distributions), next week these will occur in full force as we are detecting early softness in processing times, very similar to year end last year…
Do not wait till the last minute for any year end processing similar to the RMD i.e. Donations, contributions, time sensitive matters of any sort… there are still tons of remote workers in all parts of our transaction food chains….
Last minute processing will most certainly lead to added stress…. who needs that, so jump now and avoid the stress! We are heeding our own words!
Fall Back – Time Change
While not our favorite time of the year, being glass half full, with the Sunday November 7th time change, those morning outdoor workouts will be a bit brighter, of course as the expense of earlier sunsets….
Don’t forget to go to bed a bit earlier on Saturday night as your Sunday morning will come Fast Fast… heck, hardly any clocks need changing as most do it automatically,…. well Microwave and Car don’t but the trusted Cell and many other do!
Donald “DC” The Brain Shines Preview
Some of you call him the Wonder Kid, that fits too and he doesn’t mind at all….
You guys hear of my triumphs all the time, so certainly want to give “The Brain” his well earned cover as well…even though he probably would not have it if it was up to him…luckily I have the keyboard…haha (Maybe too much coffee this am .. sorry)
Next week, will include some national media “The Brain” has garnered from his continued expertise with some very technical portfolio tools that he has not only mastered, but been an important voice in the updates, changes and look of for future improvements…
Well Done and congratulations on the Recognition!
TGIF
With some travels under the belt, today, Friday feels nice…. looking forward to a recharging weekend….
Get ready though, back at it strong next week…
Enjoy your Friday and weekend!
John A. Kvale CFA, CFP
Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
jkfinancialinc
street-cents
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Q3 2023 J.K. Financial, Inc. Newsletter … Rate Increases re-review Forward Looking Effects- Research Affiliates Robert Arnott 10 Year Expectations … What we are doing this Summer … By John Kvale CFA, CFP …
Welcome to our Video and Audio Podcast Review of our Q3 2023 Newsletter. For those on the road or just unable to grab the time to read, our podcast type review gives you the behind the scenes insight to our thoughts, observations and deep views of the entire Newsletter.
Click the Download button below, for a direct link to an electronic version (an early peek-good ole fashion paper versions are on their way to you shortly) and here for our Newsletter page
Let’s get going! We hope you enjoy!
BREAK IN – The TDAmeritrade Charles Schwab merger will happen over Labor Day Weekend (September 5th, 2023) – Only Changes: Log in portal and account number – Expect (no reply) Legal Paperwork and emails!
Q3 2023 Newsletter
(YouTube)
Looking Forward Now with Regards to Rate Increases
Three Articles Centered around this main leading Article –
In our main lead article, we discuss the look forward expectations of NOT lowering rates as soon as many think. With higher rates, cost of capital will be more expensive for many projects, giving the Federal Reserve the desired slow down in the Economy ! Hopefully, and not too much!
Research Affiliates Robert Arnott 10 Year Expected Returns
Take note of Arnott’s powerful firm with predictions of the slower/safer Bonds earning more than the good ole SP 500 like stocks, earning and inferior 10 year return- Lots of disclaimers of course!
Higher for Longer
Asset Allocation – What’s old is New Again (Wish I would have thought of this title for the Newsletter) – Bonds may be our new Buddy – Especially if Powell is to be taken at his word!
Slow motion Slowdown – It is likely not over yet
Sneaky stimulus remains and with the fencing of Banks, this has the effect of additional stimulus in the system!
A Day in the Life and Summer Plans
While we may not talk Wall Street talk, our days are full of watchful research and fun client interactions!
The return of what we are doing this summer finally makes its way back into the Newsletter – we hope you enjoy!
Have a Great Summer! Talk in the Fall!
John A. Kvale CFA, CFP
Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
www.jkfinancialinc.com
www.street-cents.com
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Posted in Debt - Debt Management, Donald Capone, Economy, FOMC, Forecast, General Financial Planning, Interest Rates, Investing/Financial Planning, Jen Hill, John Kvale, Market Comments, Newsletters, Personal, Podcast, Video
Tagged 10 year returns, Bonds, Day in the Life, Equity Returns, Interest Rates, Newsletter, Normal Work Day, Robert Arnott, Summer Plans