John Kvale

CFA, CFP
Retirement, Investing, Lifestage Based Planning
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“As a comprehensive wealth advisor taking care of all aspects of his clients’ lives, John digs deep into each of his clients' situations. With almost three decades of experience and a constant desire to learn more about every relationship, John finds his work enlightening, fulfilling, dramatic, and fun. ”
Firm:

J.K. Financial, Inc

Job Title:

Financial Planner, Founder

Biography:

John A. Kvale CFA, CFP, is the founder of J.K. Financial, Inc., and with 22 years of industry experience, is currently the president of J.K.Financial, a fee only financial planning and wealth management firm.

J.K. Financial specializes in wealth management, adhering to unique approaches to investing in the capital markets. The company has a global presence, serving individual and institutional clients across the United States, as well as several foreign countries.

John is a co-author of a Quarterly Wealth Management and Financial Planning Newsletter, which is distributed to clients and investors across the country. He actively analyzes and updates ideas and investing on $treet-¢ents.com, a community blog site. John appeared on Good Morning America as the winning planner for ABC's Frugal Family Challenge, co-sponsored by USA Today. He recently concluded a term as president for the CFADFW Society, the local society in Dallas representing the CFA Institute. John began his financial planning career 24 years ago in Dallas, and resides there with his wife, Pamela, and children, Sophia and Pierce.

Education:

BBA, Finance, Stephen F. Austin State University

Assets Under Management:

$100 million

Fee Structure:

Percentage of Assets
Fee-Only

CRD Number:

2047457

Videos
  • Your Life on 1 Page - John Kvale
  • 3 questions Clients Ask - John Kvale
  • See all videos on Guidevine »
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October 2016

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    Investing
What is the risk of holding a bond trading at a discount until maturity?
100% of people found this answer helpful

If you originally purchased the bond at 95, and it is now being priced at 75, due to the aforementioned stress you’ve spoke of, if you sell the bond you will lock in the loss. If you decide to keep the bond with the goal of holding it until maturity and regaining the full amount of the bond, 100, you are choosing to bear the risk of default. Said another way, bond investors are pricing the bond at a discount, 75, for fear that the bond issue or may default, or go bankrupt.

It would be wise to check the covenants of the bonds you were speaking of, along with other bonds from other companies of similar issue to see if they are also at a discount. Ultimately it’s your decision and you will only know what the correct one was in 20/20 hindsight.

February 2016
    401(k), IRAs
Is it best to roll over a 401k into an IRA before taking the money out?
100% of people found this answer helpful
March 2016
    Investing, Asset Allocation
Is it possible to be too diversified in your portfolio?
100% of people found this answer helpful
March 2016
    Retirement
Should I get into a margin account if I need annual income?
100% of people found this answer helpful
February 2016
    Investing, Stocks
Is it actually possible that my trades consistently get executed higher than the market on a buy order and conversely lower than the market on a sell order?
100% of people found this answer helpful
February 2016