Jeff King - Financial Advisor

10/15/2026

In your 1st year as a new graduate nurse or medical professional? Here is a financial checklist to make sure you do in your first 90 days.

1. Confirm the type of retirement plan and match options your employer provides. A pension works much differently than something like a 403(b) plan and sometimes you have options for both.

2. Enroll in your retirement plan as soon as you are able and if possible, contribute the percentage that your employer will match.

3. Start an emergency fund. This can be kept in a money market or high yield savings account for extra interest and should be 3-6 months of your annual pay.

4. Confirm if your employer offers life or disability insurance. This can protect your family if something unexpected happens.

5. Take stock of any debts you have and make sure to note the amount owed and the interest charged. Make a plan for re-payment using either the "snowball" or "avalanche" methods.

One final note regarding retirement accounts and investing. The most important thing is starting early, even if it's not a lot you are contributing at first. Use an investment calculator to see how much a small contribution amount can grow by the time you are full retirement age (currently 67)!

10/05/2026

Many families, unfortunately, never have a serious talk about the specifics of how wealth transfers will take place between generations.

Financial advisors often play a role in helping facilitate these discussions, along with estate planning attorneys.

If you or a family member are considering a conversation around wealth transfers, this is a great one-page info sheet to help get the conversation started.

capitalgroup.com

09/29/2026

We are now nearing the end of September, which is known in the financial world as Life Insurance Awareness Month.

I thought a great way to end this series would be to talk about how much insurance one actually needs, and how you can get a bit of an estimate for your family.

One of the basic ways advisors and agents help to determine the amount of insurance needed is the DIME method: Debt, Income, Mortgage, Education.

Debt: all debts outside of your mortgage - like credit cards, student loans and car loans.

Income: your annual income multiplied by the number of years your family would need it (usually based on the age of children or number of years before Social Security age).

Mortgage: the amount still owed to pay off your home.

Education: this would be the future costs of education for your children or grandchildren.

Here is a quick example: $30,000 in debt + $70k income for 8 years ($560k) + $200k still owed on mortgage + $50k in education = a need of about $840k.

The goal of all this is to make sure your family's well being and goals are taken care of in a worst case scenario, and specifics for each family's needs must be taken into consideration.

The DIME method is a great place to start to give you an idea of what your need might be.

If you have never done so, run the numbers yourself to help you make sure things are taken care of for your loved ones!

09/23/2026

After being out sick most of the week last week, my series on life insurance for the month of September is back!

The price of insurance is always dependent on age and health criteria, but considering a life insurance policy outside your employer's group policy can be a great benefit for a few reasons:

1. Coverage does not end when you change jobs.
2. Higher death benefits are generally available.
3. More effective long term planning.
4. Level premium term policies allow to stay the same throughout the agreed upon time horizon.

Use the link below to get an example term life insurance quote from one of our insurance partners.

bannerlife.com

09/14/2026

I had a happy surprise the other day as I learned that I was awarded Principal's Pacesetter and Century Club awards for high performing advisors in their first year at the company.

There is always a bit of nerves when you move somewhere new, but these awards represent the culmination of a lot of hard work as my family balanced having our 3rd child and a big career move at the same time.

I am extremely grateful to work with this team that has provided the support I need to succeed, but even more grateful for the clients that invite us into their lives and trust us to help build and protect their futures.

God has been good to me, and I am looking forward to building on this momentum and improving every day with His help.

09/10/2026

1-2 years of market growth missed...

At an event I was sponsoring for school nurses, I met one attendee who had worked at a few hospitals in the past and wanted to get all of her previous employer retirement plans in one place.

If I recall correctly, her words at that time were, "I have no idea what to do with this stuff."

When we met to look through the accounts she had in mind, we found that both of her previous accounts had been liquidated and were earning under 1% interest, missing out on the previous 1-2 years of market growth, that, if invested in even the most basic funds, probably would have been closer to 10-15% growth or more.

Being in her early 40's with 20+ years to go before retirement and a husband that had a good sized retirement account of his own, she wanted to go for growth with the money in these accounts. So we moved them both into an IRA and found the investments that would help her meet her goal.

Things like this happen after an employee leaves an employer all the time, and can really add up over time if nothing is done.

I would encourage anyone to take stock of their accounts and make sure things are working the way you expect them to at least once per year.

09/07/2026

Continuing my "series" for life insurance awareness month, I wanted to provide some information that digs deeper into cash value life insurance, which has been highly talked about over the past few years.

Take a look at the attached article to learn about...
- the types of insurance policies that include cash value.
- basic options for what you can do with the cash value with tax implications.
- how cash value life insurance fares as an investment option.

Be on the lookout for more information about the different kinds of life insurance as the month rolls along.

nationwide.com

09/04/2026

In the financial industry, September is known as life insurance awareness month.

In light of this, I wanted to provide some resources for my connections and followers to help you understand the different types of insurance to help you start to think about what might be the right kind for you.

Today's installment is a Q & A style article that covers what life insurance is generally, the two main kinds of life insurance, and how the cost of insurance is calculated.

johnhancock.com

09/01/2026

Poor Donkey Kong didn't stand a chance against my 3 year old's recently discovered love of markers.

08/28/2026

I had a great time yesterday representing Principal at the resource fair provided by the Clovis Senior Center.

They have an amazing facility, and there are always great connections to be made with our Clovis locals and the other vendors in the senior care industry!