Category Archives: John Kvale

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.

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.


Exciting Week Out West

Each year we are inundated with options for seminars, vendor conferences, gatherings and study groups.

With careful consideration, most of this week is allocated to going west out of state for a jammed packed schedule conference.

Conference from our Institutional Vendor

  • Visiting with at least 8-10 fellow professionals
  • Multiple technology vendor meetings
  • Capital Market and Economic update
  • Collaborative insights
  • Latest Trends and future developments

Are just a few things on the schedule.

For those with great memories.. you may recall, Donald “The Brain” was a major speaker a few years back at this event… All good stuff !Donald Capone Roundtable

My intention is to bring you updates, live from the ground out west…….. If time does not permit… catch up articles will certainly find their way to our posts !

Have a Great Monday!

John A. Kvale CFA, CFP

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


Always pushing for better… guest speaker panelist- Friday.. MLK Honored Monday

In the middle of the week, actually the same day as the Wharton Sirius Satellite Radio show, our investment clearing vendor, TDAmeritrade Institutional asked myself along with two other advisors to speak to a team of back office leaders on how to improve their customer service to you, our client, and ourselves.

Round Table Event

For almost two hours three advisors, including myself were asked to speak to a room of managers for our clearing vendor.

Here are a few of the topics:20170110_161126468_ios

  • What made you go into this business?
  • What goals do you have for your firm?
  • What fears do you have about meeting your goals?
  • How can we help you?
  • How can we do better?
  • What improvements can we make for you?

It’s always amazing to hear fellow advisors say almost the identical themes of the above. Even as our businesses are different, our goals of taking care of you the clients are the main focus.

It was a pleasure to give input to our back office team managers and help them help you ….and us! Well done!

Today is Friday and tennis in a distant town is calling… Monday, in honor of Martin Luther King day, banks will be closed, post offices, capital markets and our office as well!

Enjoy your weekend and your Friday!

Best Wishes to a SUPER good start to 2017!

John A. Kvale CFA, CFP

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

Wharton Business School Sirius Satellite Radio Guest Host – LIVE! Again last night!!

We were flattered and honored to be asked again to guest host the Wharton Business School, Your Money Live Sirius Satellite Radio show

After almost 30 years of experience in the industry, the heart still pounds before the show….

  • Will I do my intro ok?
  • What questions will come in?
  • Who will call?
  • What if I get a twister question?
  • What if my phone goes out or the electricity drops? Not kidding…You do think of these things…

The last 20 minutes before the show… feels like an ETERNITY… (I am creating this portion of the post just before the show …. Under Pressure ….for reality!)

Michelle Stucker the producer calling… I am added to the show …. Pink Floyd music stops… it’s show time !!!

Live Guest Host Appearance Last Night

We were asked to co-host the final leg of the two hour show last night and it was a blast… rapid fire, off the cuff questions came in from across the country…Wharton Your Money

  • Mindy from New York called and asked for her 78 year old just about to retire mother… impressive work age — pay off a Heloc, set aside funds and stay conservative
  • Gary a likely career Military person calls with extra money to invest, after dissecting his situation, Max the TSP Military retirement plan
  • John from Alabama with a question on an IRA windfall – keep the funds in the beneficiary IRA for sure, various ways to invest the funds, but keeping the funds as an IRA most impoortant

Boom…and just like that, it was over… Michelle popped in my ear and said we want to have you back more frequently and thanks very much for the help !!  I happily agreed!!!

What a great way to give back/feel good!  Honor the opportunity!

If you are so inclined the replay will run throughout this week on Sirius Satellite Radio Channel 111, until next weeks show. Due to copyright, we cannot reproduce the show.

Have a Great “Live National Radio Show” Day!

John A. Kvale CFA, CFP

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