
Discover how the Dynamic Wealth Model™ coordinates your income, investments, and taxes into one unified plan – designed for today’s unpredictable markets, rising tax pressures, and longer retirements.
Most retirement plans were built for a world that no longer exists.
Traditional playbooks, such as the 60/40 portfolio and 4% withdrawal rule... were designed decades ago. Today's retirees face a very different landscape, with higher inflation, volatile markets, and longer lifespans. Yet countless plans still rely on outdated assumptions, leaving retirees exposed in ways they don’t even realize.
Most advisors only manage investments – not your retirement system.
A portfolio alone won’t protect your lifestyle. If your income, withdrawals, and taxes aren’t coordinated, you can lose tens or hundreds of thousands over retirement. This is why so many retirees underspend, overpay in taxes, or feel uncertain... despite having done everything “right.”
Taxes can quietly erode wealth more than market volatility.
For retirees with seven-figures saved, taxes often become the single biggest drag on lifetime wealth. Required Minimum Distributions, Social Security taxation, IRMAA penalties, and poor withdrawal sequencing can cost six figures over a retirement… yet most plans barely address them.
My name is A.J., I'm a CFP® that works with high-net-worth families to keep them from overpaying the IRS, and utilize their wealth to live the life they've dreamed of.

A.J. Vignola CFP®, Parter at King Financial Network
Retirement Income Engineering
A precise, year-by-year plan for where your income will come from, how much you can safely spend, and how your withdrawals adapt to markets, inflation, and rising expenses – giving you clarity and control, not guesswork.
Lifetime Tax Reduction Strategy
A forward-looking analysis of your tax exposures – RMDs, Social Security taxation, IRMAA, withdrawal sequencing, and estate liabilities – along with a tailored plan to reduce taxes across the next 20–30 years, not just this year alone.
Dynamic Plan Coordination
Your investment strategy, income plan, and tax decisions operate together as one system, with ongoing adjustments as markets shift and your life evolves – ensuring your plan moves with you, not against you.

Real Stories. Real Clarity. Real Confidence.
King Financial Network is a uniquely competent and conscientious group of professionals, led by an amazing individual, Jim King, highly intelligent and genuinely caring about his clients' financial and overall well-being. My interactions with Jim and his team are always fun and enjoyable, as well as instructive. Above all, confidence and trust in your financial advisor is a priceless feeling.
I feel important at King Financial. All the top people know my name! My Financial Advisor AJ gives top notch advice and keeps a close eye on my investments. My long-term health insurance advisor Linda has helped me understand my mother's policy even though it was not purchased through King Financial. Jim King sends out a monthly forecast giving great information on the market and all the factors impacting the market. These people really care. I'll be a client for life.
I am with King Financial for over 5 years. AJ, Tony and Jim are always available to answer questions and provide good advise. Good people with a personal family-like atmosphere, yet they use sophisticated tools for planning purposes. I also like Jim King's monthly on-line video review of the markets' past, present and future performance.
I have been working with Jim King and the entire King Financial team for many years and it has been nothing but a great experience throughout. Regardless of the need the team is knowledgeable, attentive and very knowledgeable. I recommend them often and will continue to do so.
Terrific group to work with, they explain all your options and recommend solutions. Working with the king financial group my wife and I feel more relaxed, and comfortable about our future and retirement plans.
Jim King has been our financial advisor for almost 30 years. Jim and his whole team are the best. They are all extremely knowledgeable, professional and passionate about their work. They only have their client’s best interest at heart.
Jim is the absolute best, knowledgeable, straight with the facts, engaging and a pleasure to work with. We love AJ as well. I’m glad we switched advisors to work with Jim. He is also incredibly responsive.
Excellent advice! Tony provided me with very sound, tax-friendly strategies for my personal financial plans. He was very invested in my well-being, and put me at ease so that I could feel good about my retirement future! Cannot recommend their services highly enough!! Thank you, Tony!
King Financial team can be summed up with the following: Trusted advisors, accessible, caring, listens to client needs, hands on, competent on the investments portfolios to suit my profile. Jim, Tony, and AJ are the best! I have referred many new clients and all are happy with their services.
We have been using Jim and Tony & the team at all KFN for many years and can only say that they are always working with our best interest in mind. So glad we switched from another company years ago to King Financial Network!
We've been working with AJ at King Financial for over three years now and have nothing but positive things to say. The whole team is attentive and ready to help you with any questions you have. The proactive approach and regular meetings help us feel like our goals will always be addressed and that we're heading in the right direction for where we want to go with our lives.
KFN is a group of thoughtful partners who have always prioritized my personal goals as it relates to my financial objectives. Their transparency and attention to collaboration make me feel comfortable when taking action with my money. I appreciate their monthly video updates, so I can better understand things going on in the marketplace, and the influences it has on my portfolio!
Highly recommend KFN to anyone considering a financial advisor. Within a year of switching to KFN they were able to make back the money my 401k lost during COVID! Having switched from Vanguard, it was a welcoming surprise to have honest conversations with a human about hitting my short and long term goals on a quarterly basis. Jim went above and beyond by also providing some much needed advice on the feasibility of buying my first house.
Jim, Tony, AJ & their team are extremely professional. They are always there to answer questions and determine the best path for your Financial Future. I have only had a great experience with them.
We switched to King Financial from another Firm about three years ago and we are extremely happy with the service we get from King Financial. We wanted to know that our assets were working hard while not being under too much downside risk - and we feel comfortable that our money is being handled with this in mind. We truly appreciate the Team approach and comprehensive nature of how King Financial operates. All in All - we feel that King Financial has delivered more than we expected and feel very comfortable knowing our assets are being watched over with such diligence and care. Thanks Jim, AJ, Tony, Joe, Linda, etc....!!!!!!!
We have been working with KF for more than 10 years and appreciate their financial advice and strong support! Jim and Tony have really helped our family navigate the market, our financial needs in good times and bad times. Both of them are warm, kind, and professional. Their calm demeanor often put us at ease during difficult times for our family. KF also offers other one stop and streamline services, such legal and tax support.
I’ve been investing with King Financial for 9 years and have been very happy with the financial results. Everyone at King Financial is so attentive and efficient, they always put their client services first. I highly recommend King Financial/Commonwealth to anyone looking for financial advisors. Their approach is holistic they’ve also been very helpful on advising on health insurance, life insurance, wills and estate planning.
As a client for the past three years, I can attest to the consistent excellence of King Financial Network. Throughout this period, their guidance has been invaluable during a difficult market environment. Their team approach and focus on comprehensive financial planning were both important to me when choosing a team to work with. They have the ability to provide objective advice with full knowledge and information. I love working with them and wholeheartedly endorse their services.
My MIL used KFN Services for years and her assets were very well taken care of and she was well pleased. When she passed in 2021 at 93, my husband, as her Executor was impressed with the ease of managing the transition of her estate finances under KFN. It was then that we decided rather than managing our various financial assets ourselves, we consolidated all with KFN. Our son also followed in our foot steps, and we have all been pleased with the attention to detail and report updates provided, especially listening and advising us as to the options to attain our financial goals. We did well enough on our own, though as we reach our 70's we wanted to ensure the ease of transition of our estate assets to our son as our Executor, as it was with my MIL.
You feel like an ultra wealthy individual with King Financial. That’s how they treat their every client, like a boutique firm. You call, text, or email - immediate response! They proactively schedule reviews with you and truly have your interests in mind. Their investment style is tailored to every client, carefully balanced risks and rewards. Even in bad economy and market turmoil, they manage your money as if it is their own.
I have been extremely satisfied with their investment advice as well as their quarterly follow up meetings. These meetings have given me the opportunity to not only review my accounts but also ask questions as they pertain to current and future holdings. Thank you to all members of the KFN team.

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