Category Archives: John Kvale

Memorial Day Holiday – An Honor to you – THANK YOU for what you have created for the rest of us!

As the years accumulate on the date of birth card, a greater appreciation for those that provide the wonderful world we live in now due to their services!

Several years ago at our annual holiday party, a relative happen to make it to the party from way out of town who was also in the Military. His acknowledgement was made of the Military Service presence and a large round of applause occurred for his service … much to his surprise and much to our collective surprise, compliment, and happiness…. unexpectedly nice and supportive …

What follows are a few pictures snapped over the last year that may serve as a small bit of the appreciation we all have for those in the service and especially the fallen… NOT NEAR ENOUGH of course …

THANKS FOR YOUR SERVICE!

This pictures snapped last year this weekend from a local jogging trail — very cool!

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This picture does not show it well, due to a bad photographer…. but there were literally hundreds of posters, the most revealing thing was the youth of those fallen!

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HAPPY MEMORIAL DAY WEEKEND!

John A. Kvale CFA, CFP

 

 

Why we write here on Street-cents! Explanation of Our Writings – Per Question from the Field (Readers/Followers/Clients)

It’s unclear who pushed across the finish line the final decision to start a blog – memory says a long time journalistic teaching sister, but the Mrs. says she had a hand in it – more to lose with crossing the latter than the former.

In 2010, almost two thousand articles ago, this Blog – Street-cents.com was started!

Recently an interesting article written by Seth Goden said the first 200 posts are the toughest. Not sure if that was true here, but it did take some time to get organized into the current three times per week posts and the discovery of subject matter –

Our Writings

Being shorter format here, when you guys show interest it spurs Newsletter articles, future ideas (Part 2 or 3) and deeper dives into similar subjects.

All of our posts are original such the occasional spelling mistakes, apologies!

Articles are posted M W F at 10:30 AM central time.

What a great way to pivot into subject matter based on YOUR interests.

What a great way to deliver information to a lot of people at once…

What a great way to speak to everyone during trying economic or market times…

Subjects are so various we know not all will apply, our hope is to cover so much ground that we eventually hit everyone…

We do this for information, education, self clarity, communication, and to let you guys know whats going on in our lives …

20190309_162121191_iOSWhen do posts get written?

Mostly at very odd times – The majority of this post was written during an early am rain delayed tennis tournament from a hotel room while waiting for it to dry- not kidding – not sure why the ideas pop up, but an attempt to get the information down here as it occurs seems to make for the best posts!

Why Videos?

Video is to get you even more the spirit of what our subject matter and for those less likely to read, but visually or audibly inclined…

We love it when you comment –

Please share with your friends!

We are complimented, and honored to have you take just a few minutes out of your day to read/listen to our thoughts.

Have a Great “Why We Write” Day!

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

Mother’s Day Weekend – Friday

This week, our family received a Great Mother’s Day Gift as our tennis player won her first national tournament in Doubles.

Way to go Sophia !

Happy Mother’s Day to all ! Hope you enjoy!

Mothers day

Have a Great Friday and super weekend… talk to you next week…

John A. Kvale CFA, CFP

 

Happy Holiday Weekend!

Best wishes today and for the weekend as we celebrate Easter and Passover as well as others.

As a reminder Capital Markets are closed as are our offices.

Have a Good Weekend!

John A. Kvale CFA, CFP

Social Security RSVP Reminder and Questions Update (Send More Questions!) – Friday Holiday – Short Week Office Hours…

Hello this is your official reminder to RSVP for the Social Security event.

It’s going to come very fast since this weekend is a holiday weekend … Capital Markets and our office will be closed on Friday.

We look forward to seeing you and a friend where the subject matter may be applicable at our Social Security event Saturday, April 27 at DAC – Dallas Athletic Club at 10 AM for a fun special informative visit with our local Social Security expert and former Social Security three decade Employee, Mr. Tom Clark !

Here are our questions so far- but we want more – keep them coming!

  1. Last time we spoke you were VERY certain Social Security would be there for all of us upon retirement – With all of the changes, do you still feel this way?
  2. Can you explain the divorced verses divorced and remarried benefits?
  3. Have you ever heard of someone being offered a lump sum of retroactive Social Security benefits?
  4. November of 2015 ushered in new laws and changes, are there any neat techniques that survived?
  5. Can you explain non US citizen spousal benefits?
  6. We have been told many of the benefit statements are not always accurate, understating the actual eventual benefit, has this been your experience?
  7. How much can I earn and not receive penalties if I retire before my full retirement age?
  8. The Full Retirement Age keeps being pushed out, will this continue? Is there a schedule?
  9. How long do I have to report my Social Security earnings if they were not reported by an employer?
  10. For many years I did not draw on an ex spouses earnings by accident – using only my earnings benefit, can I request some sort of look back to get my full benefits?
  11. If want to change my Social Security election decision after I made it and have been drawing benefits, Can I do that?
  12. Do I have to take Social Security Benefits ? What if I do not want to?
  13. Is it better to sign up in person or use the website, or does it matter?
  14. My wife is not a US citizen, does that affect her spousal benefits?
  15. Will Social Security always be there in your opinion?
  16. What percent of people take benefits early, at full retirement age and as late as possible?

Send questions to jen@jkfinancialinc.com – We welcome any and all!

Here is your personal video invite:

 

Here is your traditional invite:

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Have a Great “Soon to be Social Security Experts” Day!

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

West Coast Conference Update – Donald “The Brain” Shines – JK Almost ends up on CNBC – Friday

The conference kicked off Wednesday afternoon in full force.

Donald “The Brain” Wife, and Youngest FINALLY arrived after the first leg of their flight was cancelled…. New connection through Phoenix –  no that will not work, connecting flight already departed … Connection, and layover in Vegas works – Finally arrived…

Opening Ceremonies

Early yesterday the conference officially began…

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Opening ceremonies are always cool!

TDA San Diego Opening 2

Donald “The Brain” Shines

Later in the day, a full room of folks looking to gain knowledge of the systems “The Brain” knows well…

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A question from the audience near the middle of his TWO HOUR event!

Almost on CNBC

Meanwhile, yours truly, while searching for the Video shoot area … stumbled confidently into a live, on-sight CNBC interview –

“Hey, do you have a 10:30 am slot scheduled?”  “Yes we do, get ready!”

Just as the make up person was about to hit my face and the camera crew were adding a mic, a discovery was made that I WAS NOT the next guest, but merely in the wrong place… go figure…

Thought that host looked familiar…

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Glad to announce, lots of great items to bring back from the trip….

Today …. late, we end up back home – Glad to be away …  Glad to be back…

Have a Great Friday – We will try to stay off accidental live TV today!

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

Preview: Donald “The Brain” On Deck Speaker – History of Our Software – Annual Conference of Thousands – Travels

Mid-week, we (DC and I) travel to the West Coast for an annual gathering of thousands of our peers, along with consultants, asset firms, and as many technology firms that you could shake a stick at…. with a new cell phone (and more importantly camera and battery), twitter followers ( @johnkvale ) can check some pictures that will be posted – and of course we will have items here as well… hopefully later this week….

A History of Planning Technology

Technology allows great things as most everyone knows. Over the last several decades, the Financial Planning and Portfolio Management process has adopted technology… as has our firm.

Originally the seemingly unstoppable power of Excel continued to improve speed, make for greater accuracy, and ever detailed specifications.

As a firm, we gravitated from the powers of Excel (Once upon a time this was done with pencil and paper – we know some that still do it this way today!) on to a heavy server burdening system, then on to a slightly lighter in house/on-line system, finally to the web based/full on-line systems (each time with much heartache and heartburn.)

Enter Donald “The Brain

Donald “The Brain” On Deck this WeekDonald Capone

With an almost from scratch to modern day software background as mentioned above  – Excel to server/web/cloud systems, Donald, who has always been in charge of this, immediately understood the challenges, necessary views, and possibilities when an all-new, completely cloud based on-line system became available.

As a Beta tester, and later almost a technology consultant (offered up enhancements that were eagerly accepted) Donald has been a go-to person for our modern day software and the firm that created it!

In the spirit of helping as many as possible, Donald will be on panels during the annual conference this week helping fellow advisors understand the power, simplicity, accuracy and productivity enhancements that we utilize, much to our software providers pleasure.

It is a great honor to be asked to do this before thousands of your peers- Well Done DC!

Spirit of the Conferencemeetings-1149198__480

We know what your thinking … big party that you get to write off the expenses? Once upon a time many years ago – maybe! NOT TODAY – showing our age I guess…haha

Today, we have a working list of items to review with various providers (all of the team has been gathering wish lists and needed understanding items for the last month from each perspective), multiple meetings as soon as we hit the ground, specific questions from you guys/clients in the field on certain subject matters, as well as a full schedule of planned viewing of panels of others, that we are not specialists in!

Several years ago, while solo and a morning of too much coffee, multiple new items were agreed upon and contracts signed ( i.e. New Web site provider, other tech services). Upon return, the gang was NOT happy (sorry guys) as we tried to digest everything over the next several months… we have learned to keep things bite size, but we will certainly stay informed!

Look for an informative post on Wednesday as we travel, then likely a brief post of Friday as we make our way back home, with frequent twitter posts and likely a deluge of posts here once we get our feet back on the ground …. stay tuned – Can you tell we are excited and ready to go?

Have a Great “Inform and get informed” Day/Week!

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