JP King Advisors is an independent financial advisory firm located in Walnut Creek, California that has been in business for over 30 years. They provide personalized financial planning and investment management services to approximately 180 high net worth clients, managing over $250 million in total assets. Their experienced team draws on decades of expertise to offer clients fiduciary investment advice, comprehensive financial planning, and low-cost portfolio management.

2. Introduction – Who we are
• We are an independent financial planning and investment advisory
firm located in Walnut Creek, California
• We were established over 30 years ago, in 1981
• We are a Registered Investment Adviser (RIA) regulated by the
Securities and Exchange Commission
• We provide trusted personal financial advice and professional
investment portfolio management services
• We manage over $250 million in client assets on behalf of
approximately 180 clients
• Our clients include high net worth families, charitable trusts,
company retirement plans, and private foundations
• We are long established institutional business partners with Charles
Schwab and Fidelity Investments. They serve as primary custodians
for our client’s assets
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3. People
• Jim King, CFP®, MBA- Founder and President
• 33 years experience
• BA / MBA – Stanford University
• Scott Horton, CFP®, MS Finance- Principal and Lead Advisor
• 17 years experience
• BS Economics – University of California, Davis; MS Finance – GGU
• Justin Dodson – Financial Advisor
• 12 years experience
• BS Business Administration, Finance emphasis – Sonoma State University
• Nancy Gire, CPA, CFP®, MA, MS- Director of Operations
• 28 years experience
• BA – University of Chicago; MA – Chicago State University; MS – GGU
• Jessica Palmer - Client Service Associate
• Jonathan Gonzalez – Client Service Associate
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4. What we offer
• We draw on time-tested experience and expertise in creating solutions to our
clients’ financial challenges
• Investment management in a manner free from conflict of interest and bias
• No in-house limitations with our investment decisions.
• We operate under the fiduciary standard of care
• We embrace our legal obligation to act in the best interest of our clients
• Fiduciary standard is superior to the Suitability standard
• Brokerage firms generally are not fiduciaries
• We incorporate comprehensive financial planning in our decision making
• We provide superior personal service that builds lasting client relationships
• Quarterly investment reporting
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5. How we manage money
• Decisions are made by Investment Committee
• Meets bi-weekly, process driven
• Comprised of Jim King, Scott Horton, Justin Dodson, Nancy Gire
• We use a structured asset allocation approach to manage and balance portfolio
risk and return
• We enhance diversification by incorporating lower-correlated, non-traditional
asset classes in order to reduce volatility
• We consistently monitor and strategically rebalance client portfolios to maintain
targeted risk and return parameters
• We use both active and passive strategies
• We emphasize low costs
• We invest the substantial majority of our own personal investments in the same
portfolios we recommend for clients
• “We eat our own cooking”
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6. Portfolio characteristics
• Enhanced diversification
• We diversify beyond traditional stocks and bonds by incorporating
meaningful allocations in alternative asset classes and multi-asset
class managers to reduce portfolio volatility
• Minimized fees and expenses
• Institutional and Advisor share class mutual funds
• Passive index mutual funds and exchange traded funds (ETFs)
• Load-waived mutual funds
• Readily marketable securities
• Daily pricing
• Fully transparent
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7. A risk measured approach to asset allocation
Portfolio
Target Beta: .15 .35 .50 .65 .80
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8. We utilize institutional style asset allocation
Traditional Asset Allocation: Institutional Style Asset Allocation:
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9. The problem with the traditional“60/40” portfolio
• Maintaining a balanced portfolio, one that properly manages
risk, is critical.
• Surprisingly, the classic allocation of 60% stocks and 40%
bonds, is NOT a balanced mix.
• The correlation between 60/40 and a 100% stock portfolio is
98%. These two portfolios go up and down in near-perfect
tandem.
• Equities are so much more volatile than bonds that they drive
the entire portfolio’s returns.
Correlation is calculated using monthly returns since 1926. Equity returns
consist of the S&P 500 Index. Bond returns use a combination of the
Barclays U.S. Aggregate Bond Index from its inception on 1/1/76
through 12/31/10 and the U.S. Treasury constant 10-year maturity
index from 12/31/26 to 12/31/75. Data provided by Bloomberg
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10. Alternatives and Multi-Asset class managers offer lower correlated
returns to stocks and bonds, which can reduce portfolio volatility
Alternatives: Multi-Asset Class Managers:
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11. Fees
• Our advisory fees are extremely competitive
Assets under management Investment Management Financial Plan with 1 year
(annual fee) Investment Management
From $0 - $1,000,000 0.75% 1%
From $1,000,000 - $2,000,000 0.65% 0.80%
From $2,000,000 - $3,000,000 0.50% 0.60%
From $3,000,000 - $4,000,000 0.40% 0.50%
From$4,000,000 and above 0.30% 0.40%
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12. Contact and disclosure information:
Jim King, CFP®
jim@jpkingadvisors.com
Scott Horton, CFP®
scott@jpkingadvisors.com
Justin Dodson
justin@jpkingadvisors.com
925-935-1555
www.jpkingadvisors.com
Past performance is not a guarantee of future results
Some investments may result in loss of principal
Securities offered through Investment Architects, Inc. – Member FINRA/SIPC
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