Category Archives: John Kvale

Happily honored as Dallas Magazine Best of Wealth Managers and Best Financial Planners – Holiday Reminder – Even BIGGER news next week – Friday*

We are very happy to announce our nomination to D Magazines Best Of Again !

D Magazine Best of Dallas

For those fellow Dallas Sites – be sure to check out the current Issue of D Magazine, hitting the stands first thing this am – which will have the follow awesome picture:

2018 Best Wealth Managers -

Jen and Donald picked the photo – we had tons to choose from …. from our fantastic photographer Bret – who by the way will be shooting pictures at the Holiday Party!

Can you believe they chose the picture showing the most Grey? Grrrr

When commenting on this fact, an assurance of “SEASONING” was mentioned – Ok … so you guys are still sore about the Black Eye incident – look close, Donald “The Brain” has a huge shiner, saved by Jen’s cover up …. as mentioned earlier here!

Twelfth Consecutive Financial Planner Award

Luckily, yours truly was also awarded Best Financial Planner award for the TWELFTH consecutive time … given the gray in the picture above, maybe silence is better?

It is an honor, to be named in both portions of the D Magazine Best Of Series  – Most proud to be named as a firm, to recognize those that REALLY make is possible — The Gang at J.K. Financial, Inc!!

Well done Guys !

This is also the un-official introduction of Jen Hill our new Operations Manager — more on this soon ! New York native … Deep Wall Street Background ….. Spouse Former Major League Pitcher ? All True.

Holiday Party Reminder

The following invitation is headed your way today ….  Please save the date and plan on coming, as mentioned earlier, Bret our fantastic photographer will be there – snapping possibly… Holiday Card Photos for all in attendance!

10-9-18 - Holiday Party Invitation

Friday Before Even Bigger Announcements

Today is a Friday … enjoy your day and your weekend….

In an unbelievable Announcement day – next week we have even a BIGGER Announcement – Yep, not kidding – BIGGER !!!!

Stay tuned… hold that breath … Next week will be here shortly

Have a Great “Big Announcements” Day!

John A. Kvale CFA, CFP

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

App … No, Hardware of the Quarter Review … Streaming Devices … Firestick, Roku, Chromecast

Coming to your mailbox shortly (We know the novelty of a paper newsletter, but old is new!) is our App … no, hardware of the quarter.

This handy little device attaches to your HDMI connection of any screen or monitor and then pulls content in via your internet connection – Cool Stuff!

Roku/Chromecast/Firestick – Hardware of the Quarterwatch tv white-male-1847732__480

In our coming Newsletter we discuss in great detail our experience with the only of these devices we know, the Firestick ….

Here is our take on these devices:

  • Great Savings compared to just full service in many cases
  • Does not take as much internet speed as we thought
  • Bring your home on the road
  • Multiple devices used at once
  • Cuts back on duplicated services
  • Allows cherry picking services

Here is a great review of all these devices in much greater detail.

If you have not taken a look at any of these devices, it may be worth a try … you may find great savings and more flexibility!

Have a Great “Streaming Device” Day!

John A. Kvale CFA, CFP

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

12 Ways to Get Smarter – Another Cool Chart worth taking a moment to review

Being very graphic centered and comprehending folks, our hearts are always very soft for an easy to read chart, especially when it has great information.

Check this out – What could be better than 12 reminders on how to get smarter?

12 Ways To Get Smarter – Visual Capitalist and World Economic Forum

This from two of our favorite resources, Visual Capitalist and World Economic Forum, both places we love to get information and data!

Take a Moment and Review – Good Stuff

Have a Great “Get Smarter” Day!

John A. Kvale CFA, CFP

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

Anniversary Payback Travels – Jen’s Baptism By Fire – Writers block confession, Lot’s of Neat Posts Coming

Long timer followers know we had a crazy Summer with the 13 year old’s tennis schedule…

As such, the Mrs. totally missed any real vacation over the summer together — Even the anniversary came and went without even a dinner or card — yikes – (18th!)tennis-2042723__340

Pay Back Anniversary Travels

Today and the next two days I will be out of the office/state and attempting to be loosely tethered via technology for Anniversary payback time!

Yes it is Jen’s second day as official pilot – but she has piloted much bigger planes before (more on this soon) – you are in good hands as Donald the Brain is still far from “Table for Five too!

Writers Block Confession

In full fess up mode, there are times when it is hard to write (not usually, but it happens) with nearing 2000 posts and counting, we are happy to give you a heads up — No writers block now!

WE HAVE TONS to talk about soon!

The PLUP article spurned two more articles that we think you will really like-

PLUP graphPlus we have had great ideas coming from you guys in the field– keep them coming, we love discussing hot repeating topics!

Ok … so an Anniversary Travel announcement turned into an exciting preview of coming great topics — We really like what we do – All good, all fun!

Have a Great Day 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.

Monica’s Last Day Friday – But Wait? Hello Jen – The Whole Story

After 11 years with Cathy at the pilot position, saying goodbye to Monica after only 5 months feels like a revolving door at our office –

HOLD on just a second!

The Rest of The Story

Early in the year, Cathy gave us ample notice of her intent to retire (we are happy to report she is doing GREAT – enjoying every day away from the city streets!)

Through our contacts we began a search for Cathy’s replacement – to no avail!

About a two weeks before Cathy’s intended retirement we offered Jen Hill the job, but with an extra little household, she could not start until this fall, when all would be in school.

At that moment we had decided to struggle through the summer and just “Make it” until the end of summer.

Enter Monica!

Days before Cathy was to retire, we luckily found Monica – those that have met or spoke to her, understand the meaning of luckily.

Honoring our word, but knowing there was a fair amount of runway, this is the first announcement of how these events occurred.

Monica and Jen

This week Monica is training Jen and to see the two of them smile, chuckle, share the systems is wonderful – Was very nervous at the start of the week. All good!

Good News!

Feeling so lucky to have Monica over the summer, word was spread of her fantastic abilities and attitude –

We are very happy  to report a friend in the industry, luckily scooped her up in literally a seamless transition, as even her new office is about one block from ours!

Regular Lunch Catch-Ups for sure – She promises to be at the Holiday Party too!

It’s weird how in such a tight job market, we run into two great wonderful people to pilot the ship!

We will introduce Jen in the future, but today’s stage is a thank you to Monica – it’s been so great to work with you – We will miss you!

Have a Great “The Rest of the Story Day”

John A. Kvale CFA, CFP

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

Finish Your Summer Project Reminder – Back to School – Friday

We had a slew of Summer Projects that were going to get done just as summer started… You know the kind!

Summer Project Reminder

The unofficial end to Summer occurs next week with the following Monday being the day the swimming pools close and summer says fair-well-

We had multiple projects, computer, office, storage closet – and a few others that mostly were completed….

Dang it goes fast-

Have you completed your Summer Projects? Better Get Going!

Back to School

Our two started school this week-


One full time tennis academy-

The other full time middle school!


Why are they so much for excited to Get OUT of school, than go back?

Ahhh… it’s a Friday, enjoy your weekend!

John A. Kvale CFA, CFP

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

PLUP – The Personal Liability Umbrella Policy – A Savior if you need it, especially for the cost

Insurance can be a costly word to many, but in this post we discuss in an abbreviated form from our coming Newsletter, the  PLUP – You may not want to leave home without it!

Personal Liability Umbrella Policy – AKA PLUPinsurance -slip-up-709045__340

This coverage is an add-on to your auto or homeowners policy. This coverage kicks in as a pseudo major medical similar upper limit coverage for liability should you need the extra protection. Given the cost, it is easy to see this coverage is not utilized frequently, but had the personal experience above been slightly different, maximum limits could have easily been met, needing the Umbrella for continued asset protection.


In a world of sometimes seemingly ever higher costs, the PLUP is very affordable. Experiences have shown annually, cost of usually between $200 – $500 for $1 Million – $2 Million in coverage. (Yes that is correct, two to five hundred dollars annually.)

Insures your base Coverage are correct

Another neat and settling feature of the PLUP is that it mandates that your standard or base coverage are correct. The reason for this is that the Umbrella Policy actually sits on top of your standard coverage, again similar to a major medical policy sitting on top of your standard health coverage, to only kick in when the base coverage are maxed out. 

What you are protecting Coverage

The most obvious assets at risk are after tax dollars such as checking, savings and investments including Revocable Trusts. In a bad situation, without the PLOP policy these assets may be at risk in the event of a liability judgement is made on you.

Accident Examples

The crazy accident at your home, where an acquaintance falls down unexpectedly and injures themselves badly and you later find out that this acquaintance is not so friendly and has a desire to hold you accountable for their incident.

Those with kids that may have kid friends over and a similar occurrence from above happens.

Anyone who drives the streets today has some possible liability. As mentioned in our personal opener, the outcome of the personal situation could have been much different.

Watch for a more detailed article in our coming Newsletter, meanwhile, if you do not have a PLUP, you may want to call your insurance agent and check into it!

Have a Great “PLUP” Covered Day!

John A. Kvale CFA, CFP

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