John A. Kvale CFA, CFP, is the founder of J.K. Financial, Inc. and with 30 years of industry experience is currently the president of J.K.Financial, a fee only total financial planning. J.K. Financial specializes in total concierge financial planning and wealth management. The company has a global presence, serving individual and institutional clients across the United States as well as multiple clients residing in foreign countries. John is co-author of a Quarterly Wealth Management and Financial Planning Newsletter which is distributed to clients across the country. He actively analyzes and updates ideas and investing on $treet-¢ents.com, a community blogsite and writes regularly for Credit.com as well as Investopedia. John appeared on Wharton's Your Money, Live on Sirius Satellite Radio multiple times along with Good Morning America as the winning planner for ABC's Frugal Family Challenge, co-sponsored by USA Today. John began his financial planning career 30 years ago in Dallas, and resides there with his wife, Pamela, and children, Sophia and Pierce.