Category Archives: Vault

How to share your Financial life with a loved one WITHOUT giving up ANY control!

  • Think the Car keys talk is tough? What about the financial life talk?
  • Do you have a loved one that needs you looking over their shoulder?
  • Are YOU taking and extended trip overseas and need someone to monitor your financial world?
  • You are great with the financial ‘Stuff” but your spouse cares nothing of it and has NO IDEA where everything is?
  • You want your kids to have an idea where everything is located in case something happens to you but did not know how to tell them?

No problem, we have you covered!

Our Solution to all of these problemsFamily Sharing puzzle-210786_1920

First of all, our job is to carry the spirit of your wishes and by knowing everything about our situation, we can help achieve this goal. However, our in-house technology helps with easy, up to date access of all of your financial life as well.

Our New Total Vault allows others to access your financial information, but make no transactions.

If you want, we can even allow access to your Wills, Tax information or other specific items you may be storing in your vault.

We do not have to allow access to everything, only what you want them to see.

Pretty neat stuff… Just let us know if you want someone to have access and we will have you sign a simple form to give them their own log in information.

Have a Great “We’ve got your Financial Life 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.


Coming next week for your “New Total Vault” cutting edge extra safety……. Two Factor Authentication aka 2FA

Today’s Bonnie and Clyde sit in a room somewhere trying various ways to break into our digital lives via a computer. It is much better than looking down the end of a barrel, but intrusion is intrusion….

As the bad guys adjust, so do we!

Say Hello to my Little Two Factor Authentication Gun

Two Factor Authenitcation aka 2FA for those techie fans, present party included, is a second step for logging into secure areas, such as our New Total Vault.

Starting next week, we will all be asked to set up 2FA in order to enter the Vault. A cell or home phone number entered will give us a text for a code to enter our ever more secure vault.

We pardon the inconvenience for those disturbed, but safe over sorry is our mantra !

Have a great 2FA safe Friday!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

Presidents Day Schedule … Traveling … Sneak Peek at New Website

Monday is Presidents Day!

Banks, Capital Markets, Post Offices, Schools as well as our office will be closed.

I am traveling out of the office/state today and will be back Tuesday.

New Web Site in the Works

We are happy to announce we are working on a new website to go with our recent fancy New Total Vault addition……

Here is a sneak Peek:



Have a Great Friday and enjoy the extra long weekend!

Talk to you on Wednesday!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.


A Dallas Texas based fee only


Financial Planning Total Wealth


Management firm.

Q 3 2016 Quarterly Report Cover Letter (Clients)

Dear Investor,

An old Wall-Street saying goes something like this:

“Stocks frequently Climb a Wall of Worry!”

History shows the time to worry most is when NO ONE else is worrying. Said another way, when everyone is confident that everything is great, there is no one left to buy, and the unimaginable drop (at least at the moment) occurs without warning.

With a US election that has caused even the most calm a higher than normal heart beat and blood pressure, no matter the political persuasion, a worry is born.

A Brexit, or the exit of the British from the European Union which was a complete surprise to any who were following the almost certain stay polls, were surprised, another worry.

The historically worst start to the year (earlier this year) in terms of world capital market negative movement and calls for a world slowdown, another worry.

Prolonged lower than normal interest rates, many (present party included) think higher rates will be good longer term, after the initial adjustment in capital markets occur, but too low for too long, another worry.

Those wanting a stronger US Dollar, got what they wanted, but created another worry from a competitive standpoint.

All in all, plenty to worry about!

Funny thing is, capital markets have a way of happily ignoring the concerns and looking forward to what may occur over the next hill. It is true, markets can, and do, worry about items that should not be of a concern at times; a point for another market mood time.

Given the consumer has suddenly gained greater confidence than had in nine years, judging by the most recent consumer confidence related reports, Europe is not falling apart after the Brexit, and some type of possible stabilization from our Asian friends, capital markets are smartly treading water and patiently waiting further signals.

Enclosed is your 2016 Q3 Quarterly summary which reviews the most recent 90 days. Looking forward, October “Historically” can be a dicey month, BUT the final QUARTER tends to be the best of the year.

The most recent Newsletter is stuffed with information concerning the awesome “New Personal Total Vault” and the fantastic uses and features. If you are receiving this report via paper, you may like to know that this complete report, along with prior reports is also available in “Your Own Personal Total Vault”. If you are on the fence about changing to electronic reporting, with Newsletter in hand, now is the time to give it a try. If you do not like it, a paper delivery can resume at your request.

Have a Super Fall as we head towards the fun Holiday Season!

John A. Kvale CFA, CFP

Q 4 2016 Newsletter and Video Released !

Due to overwhelming excitement (from us and you) and massive positive feedback, this Newsletter is an all “New Total Vault” theme…

Here are a few of the topics in the newsletter….

  • Finding your Vault.
  • Loading important info in your Vault.
  • What important info to put in your Vault
  • Connecting ALL your financial data to your Vault – That’s right !!!
  • Future features such as a Visual Flow Chart to keep your Estate Plans up to date and square in your head
  • Parting thoughts election comments

And here is a personal Video review of each article…..

Your personal Video Review


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.


Coming Soon ANOTHER Sizzling New Vault Feature – Estate Planning Flow Chart (Clients)

In our final sizzle feature (most likely) for this year (16) for our New Total Vault, we wanted to wet your appetite and let you know this feature is available and will be rolled out slowly due to the complexity.

Estate Planning Flow Chart

We get the Wills complete, the Trusts are set up, the beneficiaries appointed, and the decisions made. Then we stick all those fancy documents in our New Total Vault and the originals in our safe place…and…. well …. we forget what we set up !


Your New Total Vault has not only an Estate Planning Flow Chart, but an all inclusive calculator and estimator.

Check this out:

Easy to visualize — once set up, can be created with live information at the click of a mouse!

Flow Chart for Estate Planning

Here is the calculation section:

Estate Flow Chart Calculations


Our Goal is to have this up and running for everyone as we review our Estate Planning Documents… Lofty… yep…just a step for steppers!

If you have  a desire to complete this early,  just let us know, we will move you to the top of the working group !

Have a Super Day!

John A. Kvale CFA, CFP

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


New Personal Vault Handy Uses – Secure Handoff Via Upload – Ideas for Safekeeping Items (Clients)

Occasionally we have such secure documents that sending them over the world wide web is just not a good idea. Documents containing Banking information, complete Social Security numbers, estate documents, tax information, or other similar types of confidential information are good examples of super securely needed transported documents.

New Vault Secure Handoff

Not to worry, we have a solution !

Navigate to your New Personal Vault and upload that document securely to the shared folder and we will be able to download it from our side, completely avoiding an email on the web. NICE!

What to save in your Vault?

  • Wills and all Estate documents- fast, easy access
  • Tax information
  • Voters Registration Cards
  • Pictures — Your kidding.. no we are not — You can save those in your My Docs folder — we will not see them – but you will still have instant access

Anything you need access !

Break In – How about a folder system for your auto repairs and servicing ? Just set one up for myself over the weekend — finally a good place for that information- rather than clogging up the glove compartment !

Here is an exhaustive list that actually resides…. In your Vault !

Vault List 1

Vault List 2

Ok.. Ok… you get the point… Great, Safe, place for FAST access !

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.