King Financial Planning & Management

King Financial Planning & Management

King Financial Planning & Management launched in 2009 in Colorado Springs, Colorado. Founder Gary King structured the firm as a registered investment adviser under the Investment Advisers Act of 1940, a regulatory posture that imposes a fiduciary duty on every client relationship. The firm's formation came in the aftermath of the 2008 financial crisis, a period when demand for fee-only, non-broker-dealer advice spiked among households reassessing their retirement plans. King's early client base drew from the military, defense-contractor, and nonprofit communities — demographics that concentrate heavily around Colorado Springs' five military installations and its constellation of evangelical and charitable headquarters. The firm's strategy spans at least three asset-class channels: managed equity and fixed-income portfolios, annuity and insurance placements, and tax-advantaged retirement accounts including IRAs and 401(k) rollovers. King Financial does not pursue direct venture or private-equity co-investments, nor does it operate pooled investment vehicles. Its capital deployment is entirely through public-market instruments and insurance-company products, executed in a fiduciary advisory rather than discretionary institutional model. The firm's geographic radius is concentrated: clients are drawn from El Paso County and the broader Colorado Front Range, with no disclosed satellite offices, remote-advisory licensing, or multistate registration beyond what Colorado securities law requires. Team size and total regulatory assets under management are undisclosed. No adjacent charitable foundation, family-office conversion, or membership in ultra-high-net-worth networks such as Tiger 21 has been publicly linked to the entity. The firm's scale is consistent with a solo or small-team practice serving fewer than fifty ongoing advisory relationships. The structural differentiator is regulatory simplicity. King Financial is a single-state, fiduciary-only RIA with no broker-dealer affiliation, no proprietary products to distribute, and no institutional capital to steward. In an industry reshuffling around consolidation — LPL, Mariner, and Creative Planning have each acquired dozens of local RIAs in Colorado since 2020 — a stand-alone practice like King's presents an increasingly rare governance profile: wholly owner-operated, unfunded by private equity, and structurally immune to the product-push dynamics that accompany commission-based or aggregator-backed models.