Tag Archives: Retirement Planning

April 2019 Podcast Video, Financial Planning and Capital Market Update – By John Kvale

Hello and Welcome to our April 2019 Financial Planning and Capital Market Update!

If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast format as well as Video!

Newbies – We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets and current events!

April – 2019 Video

Financial Planning Tip (s) –

Source of Funds Entrance Into Capital Markets

Here in this post we discussed the possible ways to most comfortably enter new capital into the Capital Markets.

Super Safe sources of capital may be best suited for an entrance over time, while funds coming from the Capital Markets, may go directly back into the Capital Markets, especially if risk reduction is also part of the allocation.

Over a 5 – 10 year time frame it does not matter, but why twist an ankle in the short term!

Social Security Event – Questions

Wow – all of these great questions were sent to us for our Event this month…. all were answered, if not directly, indirectly.  We look forward to sharing actual audio (Tom speaks very fast and covered a lot of ground) from the event in a multi-part post series over the summer months! DCIM100GOPRO


  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?
  17. I am 65 and working with a good healthcare plan. I wasn’t going to sign up for Medicare until after I retire. However I am told a Medicare Part F; a supplemental plan eliminating deductibles, will not be available after 2019; Should I enroll and sign up for Part F?
  18. I was married for more than 10 years to a high income earner, if I get remarried to my new spouse who is not a high income earner, will I give up benefits?
  19. Have you seen any of the on-line Social Security Optimization Programs? If so, any you like better than others? (From JK)
  20. What are your thoughts about an income based phase out of Social Security in the future? Much like the penalty for W-2 income and having started early Social Benefits ? (From JK)

Capital Market Comments –

Happy Again

After throwing a Hissy Fit near the end of 2018, “Everybody Is Happy” again !

This is a total index chart, note that it has not reached new highs yet, however many other indexes have.

Let’s not forget that we DID have an inverted yield curve which is a great predictor of a pending recession …. only the Shadow knows when! We have our eyes peeled!

4-29-19 Vanguard Total World Index Fund


Have a Great Day – Talk to you at the end of May!

John A. Kvale CFA, CFP

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

January 2017 Podcast Video, Financial Planning Tip and Economic Review- By John Kvale

How Many times have you entered something with the date of 2016 ? If you are like me, SEVERAL…

Here is your January 2017… yes, new Month and new Year, Monthly review!

As a reminder, last month we started with an Audio Podcast format for those that are unable to SEE the video or just prefer to listen to the audio… this makes the review slightly longer, but more descriptive.


January 2017 Video


Financial Planning Tip –

Job Change/Retirement Checklist

Thanks to all of the fantastic comments, shares, views and thank you’s .. here is a brief summary of the actual super popular post:

  • Grab that Last paycheck– .
  • RSU -Options- Grants – Don’t let them expire
  • Employee Stock Purchase Plan-Make sure you have control
  • Deferred Comp–May be a taxable event, find out when
  • Pension – Be Knowledgeable
  • Health Coverage– Don’t go a day without
  • 401k– Old take control
  • New 401k– Be aggressive
  • Severance– Understand it
  • Social Security Withholding – Watch the double withholding

The underlying theme is making sure you know where everything is and any time deadlines you may now have due to the change… Your Vault is a great place for all this information !

Capital Market Movement

Rate Watch Still

Interest Rates have moved smartly higher and seem to be holding… signaling higher growth? This is the 10 year treasury rate, the benchmark in many cases for length of rates.


Happy 2017!

John A. Kvale CFA, CFP

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


Personal Story … My 102 Year Old Grandmother

We talk of long-term planning and often times it takes an event to remind just what LONG TERM means.

Retirement Planning for the long-term

Thanks to all you for the condolences and understanding as I have been on the road due to the passing of my 102 year old grandmother. She lived a very happy life and remained in her home alone until age 95 and she is in a better place now, with all family agreeing.Long Term

Yes, 95 … When we complete retirement planning and analysis, especially for the young retirees … this is one of the reasons we are very conservative. Who knows how long we may be fortunate to live … I hope for all of us, healthy and happy and VERY long.

Being conservative for life, economic, and world disruptions and interruptions has served us very well. Often times it takes a personal reminder to re-emphasize our posture. Thanks Again !

John A. Kvale CFA, CFP

8222 Douglas Ave # 590
Dallas, TX 75225