Category Personal

John Kvale, Personal

Last Day of a VERY Fast and recently hot July … Monthly Review on Deck … Hot Lately … Friday

$Map of the contiguous United States illustrating widespread excessive heat conditions for late July 2026. A color-coded Heat Index gradient at the bottom ranges from yellow ($95^\circ\text{F}\text{--}100^\circ\text{F}$, Very Hot) to bright pink/purple ($111^\circ\text{F}\text{--}116^\circ\text{F}+$, Excessive Heat). Heat hotspots highlighted on the map include:Desert Southwest & West: Persistent extreme heat in Phoenix ($113^\circ\text{F}+$), Las Vegas ($110^\circ\text{F}+$), and record high temps in Salt Lake City ($109^\circ\text{F}$).Pacific Northwest: Unseasonal extreme heat, including Seattle ($99^\circ\text{F}+$).Southern Plains & Gulf Coast: Dangerous heat and humidity across Texas and Alabama with heat index values up to $112^\circ\text{F}$.East Coast: Lingering heat with major mid-Atlantic and Northeast cities reaching $100^\circ\text{F}$.$

J.K. Financial, Inc. Last Day of July

John Kvale CFA, CFP
July 31, 2026

Cyber, General Financial Planning, Investing/Financial Planning, John Kvale, Personal

Cyber Fraud Reminder/Update/New Techniques – They are back in many forms…

Conceptual illustration divided into two panels under the header "Fraud Techniques on the Rise Again." The left side represents a future with secure biometric scanning and futuristic gates labeled "Great Improvements (Taken for Granted)." The right side shows today's reality: a stressed woman working on a laptop surrounded by digital threats including "Urgent Phishing," "Fake Invoice," "Scam Call," and "Malware Download," next to a vintage buggy whip labeled "Buggy Whips (Past)" to signify outdated methods.

Over the last few weeks we have been exposed … as well as many of you from the field have visited with us about new Cyber Fraud, Communications, and new clever fraud…. We all usually have our Guards up, but…

John Kvale CFA, CFP
July 27, 2026

Clients/Clients Only, John Kvale, Personal

Save the Date – 30th Annual Holiday Party – SUNDAY November 22nd Celebrations start at 1 pm!

Banner image for Texas Discovery Gardens featuring a large, black-and-white butterfly perched on a vivid green leaf, surrounded by lush foliage, with white text overlay reading "WELCOME TO Texas Discovery Gardens" and a teal "DISCOVERY" button. Home of JK Financial 30 Annual Holiday Party

J.K. Financial, Inc. 30th Annual Holiday Party - SUNDAY November 22nd Celebrations start at 1 pm!

John Kvale CFA, CFP
July 24, 2026

John Kvale, Personal

Happy Fourth of July Holiday Weekend …

Fourth of July Image, Fireworks over New York city at night to set the scene. A wide, high-clarity 35mm photograph capturing a dramatic night view of the New York City skyline during a Fourth of July celebration. Multiple large, vibrant fireworks explode in brilliant starbursts of red, white, and blue directly over the East River, illuminating the water below. In the foreground, the lit-up spans of the Brooklyn Bridge stretch across the river, while numerous small boats dot the dark water to watch the show. The dense Manhattan skyline features iconic, brightly lit skyscrapers, including One World Trade Center, under a dark sky mixed with faint smoke from the pyrotechnics. In the lower right corner, the silhouettes of a few spectators and camera tripods are visible on a rooftop overlooking the scene.

J.K. Financial, Inc. Happy Fourth of July

John Kvale CFA, CFP
July 3, 2026

Audio, Economy, General Financial Planning, Investing/Financial Planning, John Kvale, Market Comments, Monthly Review, Personal, Podcast, Retirement Planning, Video

June 2026 Financial Planning and Capital Market Audio Video Podcast format Review … Try before you Buy … AI vs Dot.com … Kevin Warsh first dance … By John Kvale CFA, CFP

A detailed educational infographic titled "JUNE 2026 VIDEO REVIEW: FINANCIAL PLANNING, AI DEBATE & CAPITAL MARKETS." The header includes "HEDGEYE RESEARCH INSIGHTS" and a footer "TALK AT END OF JULY - 2026." The infographic is divided into three primary vertical columns on a light blue background with glowing teal highlights, featuring graphs, buildings, and financial symbols. The first column (left), labeled "TRY BEFORE YOU BUY - RESIDENCE PREPLANNING," features a central house with a "TRY IT" tag. Surrounding circles illustrate relocation factors: "NEIGHBORHOODS & ASCETICS" with a magnifying glass on houses; "CLIMATE & HEALTH CARE" with a weather globe; "PEOPLE & TRAVEL ACCESS" with a map and airplane; and "DENSITY" with a bar chart; and a path for "OUTDOOR" and "PARKS, NATURE & ADVENTURE." The second column (center), titled "AI HYPE VS. REALITY," has a large balance scale. The left pan weighs "THE MONETIZATION OF FEAR." The right pan holds an AI robot hand passing documents to a person, labeled "MEDICAL ADVANCES" and "NEW MEDICINES LIFE SAVING PROCEDURES." Below, a banner reads "GALLOWAY: FEAR AS A STRATEGY." A section for "OUR VIEWS" includes bullets: "SLOWED ENTRY-LEVEL JOBS," "GREAT INDUSTRY CHANGES, CAUTION NEEDED," and "AI DATA CENTERS IMPROVES RESOURCE RESOURCE EFFICIENCY," with a diagram of server racks. The third column (right), labeled "CAPITAL MARKET COMMENTS" with a banner "KEVIN WARSH'S FIRST DANCE," shows a man in a business suit gesturing by a "USD" bank building. Pointing indicators detail "LOWER RATE FRIENDLY STANCE," "LESS FOMC COMMENTS," "PREDICTING LOWER CPI / INFLATION PEAK" (with a downward-trending graph), and a final bullet: "MAJOR CHALLENGE: LOWERING BALANCE SHEET / NO MORE STIMULUS."

June 2026 Review by John Kvale

John Kvale CFA, CFP
July 1, 2026

Investing/Financial Planning, John Kvale, Newsletters, Personal, Podcast, Retirement Planning, Tax Related, Video

Summer 2026 J.K. Financial, Inc. Newsletter … Oil, CPI, Coming good Comparables … Tax Findings, Biggest Savings ever … Spoiled by Short Market Dips … AI Blackmails a person … Mandatory Roth 401k Reminder By John Kvale CFA, CFP

Winter 2026 J.K. Financial, Inc. Newsletter 2025 Tax Savings STILL Available ... Donation Roth ... AI - The Good the Bad the Ugly ... Jumping the Standard Deduction .