John Kvale, CFA®, CFP®
J.K. Financial, Inc.

Financial Planning for Individuals

A total holistic client endeavor is our approach and what we have learned over the past 25 years that offers both the client and the advisor the best mutually rewarding, sustainable, safe, and simple way of meeting the financial goals fo clients. Our proprietary complete “life on one page” report that is constantly updated and always available to clients, their other professional advisors (i.e. Bankers, CPA, Attorney) helps to assure their goals and monitor our collective progress in meeting their goals and attaining financial security. We act as a Fiduciary for clients, which means we ONLY work the client, not an outside company or major institution. We do not accept commissions of any type further expanding objectivity and full disclosure. Clients always know exactly how much we charge and how we earn our keep.

Retirement Planning

As a specialist in retirement planning our recommendations are various depending on the situation and often are derived through our professional knowledge as well as our multi-decades of actual experience. As a very important part of the client total retirement portfolio, 401k’s and the like require detailed analysis, allocation and constant monitoring, which we provide. Our proprietary research on early commencement of aggressive allocations with a gentle reduction of risk as size, age and economic situations transpire helps us in directing, allocating and analyzing 401k portfolios for clients. In a word, we help maximize your 401k or other similar retirement plan through our directives. As clients near retirement, emphasis is given on sustainability over growth. With a constant eye on risk, generally risk is lowered as retirement draws nearer. Pensions, social security, and any other income streams have a right and wrong answer as to when to commence, depending on the specific situation. We use our proprietary, easy to analyze analysis to help the client determine when to turn on what income stream. Safety, sustainability, and simplicity are the ways we help clients achieve success during the retirement stage.

401K Rollovers

Old employers 401k’s are often the remnants of career changes which so frequently occur this day and age. Simplicity and control dominate the review process and most recommendations are to take control of all assets, thereby rolling the 401k into a highly controllable personal plan with virtually unlimited investment options. A review of investment options, tax liabilities and personal planning determines the availability of continued tax deferred investment options. Our proprietary analysis helps clarify the decision to cash out, hold or rollover a 401k plan. Most often early withdrawals from 401k plans can avoid tax penalties if structured appropriately.

Financial Planning for Individuals

A total holistic client endeavor is our approach and what we have learned over the past 25 years that offers both the client and the advisor the best mutually rewarding, sustainable, safe, and simple way of meeting the financial goals fo clients. Our proprietary complete “life on one page” report that is constantly updated and always available to clients, their other professional advisors (i.e. Bankers, CPA, Attorney) helps to assure their goals and monitor our collective progress in meeting their goals and attaining financial security. We act as a Fiduciary for clients, which means we ONLY work the client, not an outside company or major institution. We do not accept commissions of any type further expanding objectivity and full disclosure. Clients always know exactly how much we charge and how we earn our keep.

Retirement Planning

As a specialist in retirement planning our recommendations are various depending on the situation and often are derived through our professional knowledge as well as our multi-decades of actual experience. As a very important part of the client total retirement portfolio, 401k’s and the like require detailed analysis, allocation and constant monitoring, which we provide. Our proprietary research on early commencement of aggressive allocations with a gentle reduction of risk as size, age and economic situations transpire helps us in directing, allocating and analyzing 401k portfolios for clients. In a word, we help maximize your 401k or other similar retirement plan through our directives. As clients near retirement, emphasis is given on sustainability over growth. With a constant eye on risk, generally risk is lowered as retirement draws nearer. Pensions, social security, and any other income streams have a right and wrong answer as to when to commence, depending on the specific situation. We use our proprietary, easy to analyze analysis to help the client determine when to turn on what income stream. Safety, sustainability, and simplicity are the ways we help clients achieve success during the retirement stage.

401K Rollovers

Old employers 401k’s are often the remnants of career changes which so frequently occur this day and age. Simplicity and control dominate the review process and most recommendations are to take control of all assets, thereby rolling the 401k into a highly controllable personal plan with virtually unlimited investment options. A review of investment options, tax liabilities and personal planning determines the availability of continued tax deferred investment options. Our proprietary analysis helps clarify the decision to cash out, hold or rollover a 401k plan. Most often early withdrawals from 401k plans can avoid tax penalties if structured appropriately.

Insurance Planning

As a fee only holistic advisor we review all insurance policies for clients and make recommendations based on their goals. These recommendations are then implemented with either their current carrier, commissioned advisor or one of their choosing. A typical review will be a thorough look through of all current policies and confirmation of appropriate beneficiary designations, coverage and amount reviews.

Annuities

We generally do not recommend annuities to clients. We do analyze, review and recommend appropriate investments with clients who currently have annuities. Key items to consider, rating of company, annuitization options, titling, beneficiaries, costs, surrender charges, floor guarantees and cost basis among other items.