OUR SOLUTIONSIt's A Game Of Chess — Every Move, Considered
Recognizing that something needs attention rarely arrives in the form of an industry term. It shows up as an inheritance that landed without instructions, estate documents signed a decade ago and never revisited, a business interest that now represents most of a household’s net worth, or a tax bill noticeably larger than the year before. The investment strategies here are designed and managed in-house, and the same small team handles the coordination, tax work, estate structure, and insurance surrounding them, which means one group of people carries the full context rather than each holding a single piece of it.
Investment Management
Investing with King Global Investments means investing in a system. The KGI Dynamic Allocation Portfolio, KGI Alpha, and KGI Structured Growth Notes work together on the equity side, while KGI Equity Income, KGI Municipal Equity Income, and KGI Structured Income Notes cover income.
Income needs are always allocated first; once those are met, the remainder goes to growth.
The Municipal Equity Income Portfolio serves investors needing tax protection alongside high income, while Equity Income fits lower tax brackets or qualified accounts. Dynamic Allocation is a global asset allocation portfolio — half global equities, half tactical across commodities, sectors, and metals. Strategic indexing sits beside it at roughly ten to fifteen percent of the growth portfolio, and another ten percent is allocated to KGI Structured Income Notes.
KGI uses dual-directional structures that can profit when markets finish up or down to a set level. Indexing is paired with tactical positions so something is winning in every scenario. Because the income portfolios are tactically managed, we can reach for higher-yielding securities with stop losses in place. In the Municipal Equity Income Portfolio, the municipal sleeve is allocated eighty percent to high-yield munis.
Comprehensive Wealth Management
Accounts tend to collect in different places over a career, an old employer plan in one institution, a brokerage account in another, real estate, a business interest, and policies purchased at various points along the way. We keep track of all of it through a living balance sheet maintained for each household, updated throughout the year and formally reconciled at year-end, so a decision in one area gets made with visibility into what it does to the others. Households above a million dollars in investable assets generally have more moving parts, and coordinating those parts with the other professionals already involved is part of our ongoing relationship with you.
- A living balance sheet covering investments, real estate, business interests, insurance, and liabilities
- Direct coordination with your CPA, attorney, and other advisors, including gathering records held elsewhere on your behalf
- Guidance for high-net-worth and ultra-high-net-worth households, along with education funding strategies for children and grandchildren
Retirement Strategies
Once the paychecks stop, everyday expenses start coming out of the portfolio instead, and the central question shifts from how much can be accumulated to how much can be drawn and from which accounts first. We structure distributions around municipal bonds, dividend-paying equities, covered call positions, and credit holdings, weighing the order of withdrawals against how each account is taxed. Our reviews continue well past the transition date, since spending patterns, tax law, and market conditions all keep moving.
- Withdrawal sequencing across taxable, tax-deferred, and tax-free accounts
- Social Security claiming timing and required minimum distribution scheduling
- Pension elections, lump-sum decisions, and rollovers from former employer plans
Tax-Efficient Strategies
Two portfolios can post an identical return and leave their owners with very different amounts once April arrives. Which securities sit in which accounts, when gains are realized, and how income is generated all factor into that difference, and one of our income strategies allocates heavily to high-yield municipal bonds for exactly that reason. Your tax preparer generally sees the result only after the calendar year closes, so we discuss decisions made during the year with them while there is still time to act.
- Asset location across taxable and tax-advantaged accounts
- Tax-loss harvesting and timing of gain realization
- Municipal bond income for households in higher marginal brackets
Estate, Trust, and Legacy Strategies
Documents signed years ago frequently no longer match the assets they were written to cover, and a trust that was never funded accomplishes very little. We check how titling, beneficiary designations, and trust language line up against the current balance sheet as part of every review. Our partnership with BOK Financial Trust Company places full trust services alongside investment management, so the people who understand how the portfolios are built are also positioned to carry out the estate structure as it was written, across more than one generation.
- Trust services through BOK Financial Trust Company, including trustee and successor trustee arrangements
- Special needs trusts for family members who require lifetime support
- Charitable giving structures and transfers intended to reach children and grandchildren
Risk Management and Insurance
Some events sit outside what any investment account can reasonably handle, including several years of skilled care or the loss of the person whose earnings support a household. We measure coverage against what the balance sheet can already absorb on its own, which keeps policies sized to the actual gap rather than sold by default. Policies bought decades ago come under the same review, since the circumstances that prompted the original purchase have usually changed.
- Life insurance analysis, including existing policies purchased under earlier circumstances
- Extended care strategies addressing skilled nursing, assisted living, and in-home care costs
- Coordination between coverage and estate documents so proceeds reach the people named