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Knox Financial Services Says Farewell To Team Member

January 19, 2023 |  Steffani Otto has decided to make a career change and has resigned from her position here at Knox Financial Services. Steffani has been a vital part of our company and will truly be missed. She has always been committed to providing exceptional service to our clients. We appreciate her professional and dedicated work ethic. Thank you Steffani for all you have done for us throughout the years! We have enjoyed working with you. We wish Steffani the best!

Secure Act 2.0 Expands Retirement Plan Features

December 23, 2022  |  Washington, DC: “Secure 2.0” is part of the omnibus appropriations bill approved by the Senate on Thursday and the House on Friday.  The bill has passed the House and Senate, and is awaiting signature by the President.  Major provisions of the bill impacting retirement plans are:

  • Automatic enrollment for employee 401(k) plans.  
  • Required Minimum Distributions would increase to age 73 in 2023, and then to age 76 in 2033.  The penalty for failing to take RMDS would be reduced from 50% to 25%, and in some cases, 10%.
  • Larger catch-up contributions:  Under current law, you may add an additional $6,500 to your 401(k) plan after at age 50 and after.   Secure 2.0 would increase the limit to $10,000 starting in 2025 for those over age 60.  These amounts will be indexed for inflation.  Catch-up contributions will be  subject to Roth treatment (not-pretax) if you earn $145,000 or more.
  • Employers potentially could make contributions for employees who are paying student loans instead of saving for retirement.
  • Retirement accounts may be subject to up to a $1,000 withdrawal provision from emergency expenses, without the 10% penalty tax prior to age 59 1/2.
  • Part-time employees who work between 500 and 900 hours for two consecutive years would  be eligible for the company 401(k).
  • A federal matching contribution for lower-income retirement savers of up to $1,000, replacing the existing tax credit.
  • Roth 401(k) plans will eliminate the Required Minimum Distribution and become like Roth IRA accounts, where no Required Minimum Distribution is required.
  • Rollovers from 529 plans to Roth IRA accounts may be lowered, within certain limits.
  • Tax credits for business that allow military spouses to enroll in their retirement plan and qualify for immediate vesting.

As more details become available, we will keep you informed.  


Team Members Learn and Celebrate at Knox Summit

November 18-20, 2022  |  Dubuque, IA:  Our team and guests enjoyed an educational, fun, and memorable outing as we returned to Dubuque, IA for our annual team retreat.  The Knox Summit is a chance to learn, spend time with our colleagues, try something new, and plan for our future. 

Jason introduced the summit, with a recap of our 2022 and how the transformative events of 2022 was a pivotal point for our organization.  G.W. Barney Bond, our resident tax professional, shared the challenges and opportunities of the the present tax code and how advice is more important than ever.   Bob Cogan, our long-time friend and advisor, talked about how "Change Is Inevitable - Participation Is Optional" where the only lasting truth is change.  Dr. David Gehling, concluded our meeting with how the "Leaving A Legacy" mindset will move us to be, do and have the outcomes we desire. 

Our team went on the "steepest, shortest scenic railway" and later learned about bowling.  Steffani and Terry learned about strikes and winning, while Amber and Jason learned about "bowling elbow."  We misplaced the photos with the group/team dancing.  And that is a good thing.

Thank you to all that attended.  We enjoyed our time with you.  Look Forward to 2023! 

Our Process
Our History
Our Values
Our Resources

Text Messages -  Another Way to Communicate

November 3, 2022  |  Decorah and West Union, IA:  Some prefer a phone call, some prefer email and some prefer text messages.   Our text number is 563-412-4770.

  • If you wish to speak with a team member, please call 1-877-566-9468 or 563-412-4770.
  • If you wish to text, please sms 563-412-4770. 
  • If you prefer email, send messages to
  • Our Assistance Center also provides ways to initiate many activities and is available 24 hours per day, 7 days per week.

FINRA rule 4511 requires preservation of text messages on our company's books and records.   Text messages sent to our other phone numbers are not monitored - use 563-412-4770 to text us.

If you have questions or comments about our text message system, please contact Jason Knox at 1-877-566-9468, xt 444; via text at 563-412-4770; or

Thank you for updating your address book.

Jason Knox, AIF®, CRC® Provides Education For NFV Financial Literacy Classes

October 25, 2022  |  West Union, IA:  Jason presented financial topics to North Fayette Valley Financial Literacy classes.  Two sessions of topics from the importance of credit scores, dollar cost averaging, knowing where your money goes, how mutual funds work and more.  I enjoyed my day helping the next generation learn about the importance of finances in their life.

Jason and Amber Knox attend Lincoln Investment 2022 Wealth Management Forum 

October 15 - October 19, 2022  |  Philadelphia, PA:  Jason and Amber Knox attended the annual Lincoln Investment Wealth Management Forum.  A tremendous opportunity to interact with our industry leading financial professional peers, keynote speakers, industry leaders, and Lincoln Investment staff.  Ed Forst presented the state of Lincoln Investment, the executive team reviewed the ongoing initiatives at Lincoln, regulatory updates were covered by Dale Brown from FSI, and Dr. David Kelly provided an Economic Update.   Twenty-four breakout sessions were offered to learn more about specific topics in the industry.   Keynote speakers included Ronan Tynan and Christine Gaze - Purpose Consulting Group.  We learned about the amazing services provided by Caron Treatment Centers, and cognitive resilience with Dr. Ben Sorenson.  We even enjoyed a version of Family Feud between advisors and home office staff - diplomacy prevents me from revealing the winner!   We really enjoyed our time collectively sharing best practices with our advisor peers and friends, dedicated professionals who provide financial solutions for clients across the nation.   We are honored to be part of such an amazing extended family.

A huge "Thank You!!!" to Steffani for minding the office while we attended.  


Knox Financial Services Client Communications

09/06/2022 | We seek to provide information that is useful to you.

Knox Notes:  Jason shares his thoughts to consider on the economy, markets, finances, and other topics.  Published each month on the first Tuesday, with an email reminder.

Monthly Market Insights:  Our brief video with recent market results and updates.  Published the first week of the month, with an email reminder.

Video of the Month:  Another brief video with financial planning and lifestyle topics.  Published on or about the third week of the month, with an email reminder.

Economic Updates:  Our written weekly and monthly Economic Updates newsletter.   We provide email notification each month about this newsletter resource.  

Knox Financial Minute Newsletter:  Our written monthly newsletter on select financial and planning topics.  Published monthly on the 3rd Tuesday with email reminder.   Our Knox Financial Minutes are heard on 104.7 KVIK and 103.5 KNEI, with audio recordings available on our site.

Knox Financial Happenings:  See what's happening at Knox Financial, with updates about services we provide, to our team, activities and more.  Published monthly on the 4th Tuesday, with an email reminder.

We also post various topics on finances, investing, and lifestyle on Facebook and LinkedIn .   Like us on Facebook or follow us on LinkedIn to receive notifications. 

Prefer to receive notifications via text instead of email?  Send us a message at 563-412-4770 to request text notification.


Celebrating Anniversaries

Celebrating Anniversaries

08/01/2022:  Jason Knox celebrates more than 25 years in the financial services industry.  "I have always enjoyed finding Solutions for our clients.  I believe I found the best career early!  With all the changes I have seen in the past 25 years, I am confident the future will bring even more innovation in the ways we help clients achieve their goals."

Knox Financial Services is also celebrating our 5th anniversary.  After 20 years of working at another firm,  Jason wished to provide innovative services for clients.  In 2017, Jason and Amber Knox started their own financial planning and wealth management firm, Knox Financial Services.  We utilize innovative technology, leading products and services that are also available from national firms, but retain our independence, allowing us to focus on our clients' needs, not a corporate agenda.  We take pride in our local ownership, local decisions and a family-owned culture, allowing us to objectively develop Solutions when working with our clients.

Knox Financial Services Wishes Well To Team Member

08/03/2022  |  Jackie Harless will depart Knox Financial Services to devote more time to her home and family.  Jackie has been a great member of our team.  She has shown dedication, hard work, professionalism and commitment to serving our clients.  Thank you Jackie!  We appreciate your knowledge and experience.  We enjoyed our time working with you.  We wish Jackie the best of luck with her future endeavors.  We are sure she has a bright path ahead.

Choose eDelivery For Your Lincoln Investment Statements

Choose eDelivery For Your Lincoln Investment Statements

07/11/2022  | Lincoln Investment account owners have the option to receive their statements and regulatory documents via postal mail or eDelivery.

With eDelivery, you receive notification a new document is available in your Lincoln Investment Investor Website.  The statement is not included in the email for security, the email is a notification a new statement is available in your website.  With eDelivery, you receive your statements days sooner than postal mail.  Your website also stores historical statements for later reference.

Regulatory documents, like prospectuses and disclosures may be sent via eDelivery as well.  Reduce the mailbox clutter!

We seek to provide information about your accounts that is useful to you.  We provide services that allow you to access the information about your account that is most important to you:  

  • With your Personal Financial Website, you may elect to have a weekly email sent to you with updates about your account.  Login anytime to see your account balances and history, and so much more!
  • With your Wealth Reporting website, additional information about your account is available at any time, including performance, asset allocation, and benchmark comparisons.

Our Client Service Team will work with you to provide the service, or combination of services that provide you with timely information about your account.  

Lincoln Investment Recognizes Jason Knox as Nick's Roundtable Qualifying Member

May 30 - June 3, 2022  |  Vail, CO:  Lincoln Investment recognized Jason Knox as a qualifying member of their top recognition club, Nick's Round Table. 

Lincoln Investment recognizes financial advisors who have achieved the firm's annual qualifying criteria based on overall production, new clients, advisory accounts and assets under management. Lincoln Investment honors them for their dedication to helping people retire well by presenting them with these awards.  

The Nick's Roundtable gathering includes meeting with Lincoln Investment's President, top leadership, investment analysts, other Lincoln Investment staff, as well as opportunities to share information with other top advisors.   Jason commented "Lincoln Investment is a great partner in providing exceptional resources and technology that help us better serve our clients.  I have enjoyed our relationship with Lincoln Investment since August, 2010, and look forward to the future."   

 Awards are not indicative of future performance. Working with an award winner is no guarantee of future financial success. Individuals should conduct their own evaluation.

Congratulations Nick!

Congratulations Nick!

May 15, 2022  |  West Union, IA: Nick completed his senior year at North Fayette Valley!   Nick plans to attend Upper Iowa University in the fall and pursue sports therapy.  We are proud of the many accomplishments Nick has achieved and the fine young man he is.  

“You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose. You're on your own. And you know what you know. And YOU are the one who'll decide where to go...”

― Dr. Seuss, Oh, the Places You'll Go

Our Assistance Center Offers More Ways To Communicate, Initiate Requests And Includes Online Resources

05/04/2022  |  The Knox Financial Services Client Service Team is available during our regular business hours by calling 1-877-566-9468, option 1; email; or text 563-412-4770 and are ready to assist with your requests.

Our Assistance Center provides tools for you to to initiate many requests, such as providing us with updates, send messages or files, schedule an appointment, sign up for newsletters, use our online planner and more!  Our Assistance Center is open 24/7 for your needs.

We take pride in our personal service and having our Team available for our Clients requests.  We also recognize that some prefer to do business electronically, utilize the convenience of online requests, or start their requests at their own desired time, which may not match our office hours.   You may now call, email, text, or get started online, whichever is most convenient for you.

As always, if you have questions, please call 1-877-566-9468 and speak with a member of our Client Service Team, email; text 563-412-4770, or visit our Assistance Center.

Knox Financial Offers New Office Hours 

04/05/2022  |  Decorah and West Union, IA:  Our new office hours are:


By Appointment and: 

  • Monday            8:00 AM to 5:00 PM
  • Tuesday           8:00 AM to 5:00 PM
  • Wednesday     8:00 AM to 5:00 PM
  • Thursday         8:00 AM to 4:00 PM
  • Friday              8:00 AM to 3:00 PM

West Union

By Appointment and: 

  • Monday           8:00 AM to 5:00 PM
  • Tuesday          8:00 AM to 5:00 PM
  • Wednesday    8:00 AM to 5:00 PM
  • Thursday        8:00 AM to 4:00 PM
  • Friday             8:00 AM to 3:00 PM

Knox Financial Services offers Cardiopulmonary Resuscitation (CPR) Training Class

03/05/2022  |  Knox Financial Services hosted CPR training for 18 clients and guests.  All received their CPR Certification after completing the course.   Thank you to all that attended.  We really enjoyed our day with you.

We hope you never have a need to use CPR.  If you do, we hope our CPR training will give you the guidance, knowledge, and confidence to help someone. 

We are again offering a certified Instructor led training class on Saturday, November 5, 2022.  By completing the class and meeting the requirements, as determined by the Instructor, you are eligible for the Certificate of Completion.  

Knox Financial Services is assuming the cost of the CPR training and certification for our clients and their guests that register and attend the class.  To learn more, or to register, visit our CPR Training page. 

Lincoln Investment Recognizes Jason Knox as Hall of Fame Qualifying Member

December 8-12, 2021  |  Marco Island, FL:  Lincoln Investment recognized Jason Knox as a member of their Hall of Fame.   Qualifying members achieved Lincoln Investment's top recognition clubs, Nick's Round Table or President's Club, for ten years.  Jason achieved the Hall of Fame in the shortest time possible.  These awards recognize those Lincoln Investment financial advisors who have achieved the firm's annual qualifying criteria based on overall production, new clients, advisory accounts and assets. Lincoln Investment honors them for their dedication to helping people retire well by presenting them with these awards.  

Awards are not indicative of future performance. Working with an award winner is no guarantee of future financial success. Individuals should conduct their own evaluation.

Our Process
Our History
Our Values
Our Resources

Happy Thanksgiving!!!

November 22, 2021  |  We gather on Thanksgiving to be thankful for what we have, for the family we love, the friends we cherish and the blessing that will come.  May this day be a reminder of the wonderful things in life.  Happy Thanksgiving from all of us at Knox Financial Services.

Introducing your Personal File Safe - A Safe Place For Your Important Documents 

October 14, 2021  |  With you so many important documents and files, our financial lives and all of the paperwork often becomes complex.  Knox Financial Services provides our clients with their own secure online folder as a place to store your files.  This provides an easily organized way to backup your files and documents, and allows you to to access them at any time, on any device, with your unique login. 

Our Personal File Safe file system may be a place to store copies of your will, power of attorney, deeds, titles, vital records, tax-returns, pictures, or other files and documents that are important to you.  You may upload your files directly from your computer or device.  If you have documents in paper form, please contact our Client Service Team to arrange a time to scan your files at one of our office locations.  We will upload these files to your Personal File Safe.

Visit Personal File Safe for more information.

Please Pardon our Progress - West Union

October 18, 2021  | West Union, IA:  Repaving our of parking lot is completed!  Thank you for your cooperation.  

Our Process
Our History
Our Values
Our Resources

Knox Financial Services Fall 2021 SXS Journey

October 2, 2021  |  Northeast Iowa:  Great people, great scenery, great fun!  Thank you to all that attended our Fall 2021 SXS Journey.  We enjoyed spending our day with you and hope all had a wonderful day.  Thank you again for the many gracious land owners that allowed us to enjoy the great outdoors.

See Pictures from our SXS Journey

Knox Financial Casual Days Help Local Organizations   

October 1, 2021  |  West Union, IA: Knox Financial team members enjoy casual dress on Thursdays & Fridays.  Each team member is making a contribution to a local charity each month, with Knox Financial matching all team member contributions.   

With our casual dress on Thursdays and Fridays, please know we will continue to maintain our focus on client's needs.  When you are in the office, ask our team members about the organizations we support.   Helping great organizations and having fun- a winning combination! 

December, 2021:     Parent Share & Support Adopt a Family 2021

November, 2021:    North Fayette Valley Fine Arts Booster Club

October, 2021:        West Union Festival of Lights

September, 2021:   North Fayette Valley Athletic Booster Club

August,  2021:       Humane Society of Northeast Iowa

July, 2021:              West Union Volunteer Fire Department

June, 2021:             Turkey Valley Community School District Student Guidance Funds

May, 2021:              Echo Valley Trap Team

April, 2021:             North Fayette Valley Post Prom

March, 2021:          North Fayette Valley Community Coalition

February, 2021:      West Union Parks and Recreation

January, 2021:        Turkey Valley Trap Range

December, 2020:    Wadena Lighted Cross

November, 2020:    Friends of the Library of West Union

October, 2020:        Friends of the Decorah Public Library

September, 2020:   North Fayette Valley Athletic Booster Club

August, 2020:         North Fayette Valley Fine Arts Booster Club

July, 2020:              Winneshiek Medical Center Foundation– Home Health & Hospice

June, 2020:            Humane Society of Northeast Iowa

May, 2020:              West Union Iowa Volunteer Fire Department

April, 2020:             South Winneshiek Area First Responders

March, 2020:          Retrieving Freedom

February, 2020:      NEICAC Food Pantries

January, 2020:        Palmer Memorial Foundation

Thank You for your Cooperation with our Sidewalk Project

September 7, 2021  |  West Union:  Thank you for your cooperation while we improved our office entrance.   We appreciate your willingness to work around our front door being closed while the sidewalk was replaced.  

The parking lot replacement is scheduled for October.  We will notify you of the planned dates, so we may schedule around our parking lot being unavailable.  Thank you for being patient with our progress. 

Our Process
Our Values
Our History
Our Resources

Share your documents securely with Knox Financial Services 

July 7, 2021  |  Decorah, IA & West Union, IA: Knox Financial offers a secure tool to share your files and documents with our team.   Visit Knox Financial File Share to upload your files and documents directly to our Team.   

Virtual Tour of our West Union location

July 7, 2021  | West Union, IA: Visit Knox Financial Services West Union Office to see a virtual tour of our West Union, IA location. 

Knox Financial Services SXS Journey 

June 26, 2021  |  Northeast Iowa.  Clients and guests enjoyed our Spring 2021 SXS outing. The day included a scenic tour of northeast Iowa, some rain, some sun, a birthday celebration, amazing off-road tours, and a delicious meal.  In lieu of an entry fee, donations were made to local Fire Departments - helping great organizations while having fun!  Thank you to all that attended, we really enjoyed our amazing day with you. 

Our next scheduled SXS ride is Saturday, September 11, 2021.  This event will start at our West Union office location.

See Pictures From Our SXS Journey

Lincoln Investment Recognizes Jason Knox as Hall of Fame Qualifying Member

February 2, 2021  |  Fort Washington, PA:   Lincoln Investment recognized Jason Knox as a member of their Hall of Fame.   Qualifying members achieved Lincoln Investment's top recognition clubs, Nick's Round Table or President's Club, for ten years.  These awards recognize those Lincoln Investment financial advisors who have achieved the firm's annual qualifying criteria based on overall production, new clients, advisory accounts and assets. Lincoln Investment honors them for their dedication to helping people retire well by presenting them with these awards.  

Awards are not indicative of future performance. Working with an award winner is no guarantee of future financial success. Individuals should conduct their own evaluation.

Knox Financial Says Goodbye to Our Little Buddy, Tucker.

Knox Financial Says Goodbye to Our Little Buddy, Tucker.

May 18, 2020  |  Madison, WI:  Tucker passed away peacefully after a brief illness.  Tucker was our canine Greeter and Chief Fun Officer (CFO) from 2009 to 2020.  Tucker assisted in the establishment of our Decorah and West Union office locations.  When Tucker visited our offices, he would greet our guests, guard the door, enjoy resting in the sun, and alert our team to anyone or anything that passed by.  He would also remind our team when it was time for ear scratches or a treat.  Tucker always brought smiles to our faces.  Dearly missed, always loved, forever in our hearts.  We love you, Tucker! 

Visit Tucker's Memorial Page