Joshua Krafchick

Joshua Krafchick Founder of 369 Financial.

09/05/2026

Finance should feel easier to understand.

Managing your money can feel complicated when no one takes the time to explain what is actually happening

You deserve guidance that is clear, thoughtful, and built around your goals

That means understanding the process, knowing your options, and having someone help you think through the decisions without simply telling you what to do

At 369 Financial, our goal is to make the financial side of your life easier to understand so you can make decisions with more confidence

Your financial plan should fit your life, not the other way around

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

09/04/2026

Financial planning should make life feel simpler.

It’s not just about numbers

It’s about having a clear plan, knowing someone is paying attention, and feeling more confident about the decisions in front of you

At 369 Financial, we help organize the moving pieces so your finances feel less overwhelming and more intentional

Because a good financial plan should do more than look good on paper

It should help bring clarity to your life

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

08/28/2026

Short term market moves are impossible to predict.

AI chips and data center related investments have been moving fast

After a meaningful pullback over the past month, many of these areas quickly moved higher again within just a week

That is a good reminder of how quickly sentiment can change

More pullbacks could happen, or the market could keep moving higher

The point is not to predict every move

It is to have a strategy that can handle uncertainty without depending on perfect timing

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

08/27/2026

Investing is personal.

Your goals, priorities, timeline, and comfort with risk are unique — and your financial strategy should reflect that.

The right financial relationship isn’t about making things more complicated. It’s about helping you understand your options, stay organized, and make informed decisions with greater clarity and confidence.

At 369 Financial, we believe good planning starts with listening, understanding what matters to you, and building from there.

Because your financial life should fit your life — not someone else’s.

369 Financial is a registered investment adviser. Registration does not imply a certain level of skill or training. This content is for informational and educational purposes only and does not constitute individualized investment advice or a recommendation to buy, sell, or hold any security. Investing involves risk, including the possible loss of principal.

08/20/2026

Why strategy matters more than timing.

Short term market timing can make two investors have very different experiences

Someone who starts during a downturn may actually get a better entry point than someone who invested earlier

But relying on good timing is not a strategy

Markets will move up and down and no one controls exactly when those shifts happen

The goal is to understand the fundamentals build a strategy around your goals and risk tolerance and make decisions you can stick with through different market environments

As Mohnish Pabrai describes it the idea is to look for situations where heads I win and tails I dont lose much

That does not remove risk but it highlights why having a thoughtful process matters more than depending on luck

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

5 Things to Check if You Were Laid Off from Microsoft.369 Financial is a registered investment adviser This content is f...
08/12/2026

5 Things to Check if You Were Laid Off from Microsoft.

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

08/04/2026

What to Do Financially After a Tech Layoff.

Getting laid off affects more than your paycheck

Your cash flow changes

Your equity may have important deadlines

Your company stock may require decisions sooner than expected

Before making any financial moves put all three on one page

Cash flow

Equity deadlines

Company stock

Knowing your deadlines first can help you avoid unnecessary mistakes and make decisions with a clearer financial picture

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

07/20/2026

How to Spot Misleading Financial Influencers.

Social media often shows the highlight reel

Luxury cars
Big houses
Freedom captions
And promises that one webinar can change everything

That message can feel especially convincing when money is tight or life feels uncertain

But real financial confidence is not flashy or instant

It takes time
Discipline
Patience
And a clear plan

Ask for proof
Stay curious
Avoid pressure
And do not let someone else decide how you should spend your hard earned money

You do not need more hype

You need more clarity

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

07/18/2026

RSU Financial Planning and Stock Based Compensation.

If your entire financial plan depends on the company stock price staying high that is not really planning

That is speculation

Your total compensation may include salary bonus RSUs and stock options

On paper that number can look strong

But part of that income is still tied to market volatility

And markets do not move in a straight line

A stronger plan looks at what happens when the stock rises stays flat or falls

Because financial planning should help you prepare for different outcomes not depend on one perfect scenario

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

07/16/2026

What Financial Advisers Actually Know.

I started my career as a financial adviser and quickly realized something important

Many advisers are trained to explain accounts find clients and gather assets

That does not always mean they understand investment strategy

Knowing how to open an account is different from knowing how to build a strategy around your goals risk tolerance and circumstances

The relationship should not end once the assets arrive

PS

369 Financial is a registered investment adviser This content is for informational and educational purposes only and does not constitute personalized investment advice or a recommendation All opinions expressed are solely my own and do not reflect the views of any affiliated institutions Past performance is not indicative of future results Please consult a qualified financial professional before making any investment decisions

As a fiduciary Im required to act in the best interest of my clients a standard that does not apply to all financial content creators

Address

9428 Baymeadows Road
Jacksonville, FL
32256

Telephone

+19043059050

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