Invest in a Sustainable Future

AIO Financial is a fee only financial planning firm. We do not receive commissions or sell any products so we can be unbiased and work 100% for our clients. We are held to a fiduciary standard.

We work with you on all aspects of your financial plan: investment management, retirement planning, tax planning, estate planning, and insurance review.

Independent Comprehensive Tailored

We know how daunting it can get to navigate the world of financial planning without the proper guidance. That’s why we:


Work on a fee-only basis which means that you’ll get 100% unbiased and tailored plans from a personal financial advisor made to align with your values.


Work with you to formulate unified plans that include all aspects of your financial planning: asset management, retirement planning, taxes, estate planning, and impact investing.


Provide a customized plan that takes into account your specific goals and gives you a clear roadmap of financial advice.


Fee-Only Fiduciaries

We do not receive any commissions or sell any products. We are completely unbiased and only work 100% for our clients. As fee only financial planners, we are held to a fiduciary standard.


Latest Technology

We believe in staying up to date with the latest technology available to provide the best experience and planning projections to our clients.


Individualized Planning

Every case requires a unique perspective with a plan that suits the individual. We work with you closely to develop a financial plan made just for you. From asset management to tax planning we review your complete financial situation.


Virtual Service

We primarily provide financial planning services online through virtual zoom meeting. We can meet in person as needed. We are located in Tucson, AZ but travel to our offices in Los Angeles, Las Vegas, Portland, Boulder, and Seattle regularly.


Through our fee-only model, comprehensive planning services and use of cutting-edge technologies, AIO challenges the status quo of the financial planning business. Our team of experts mainly consists of certified financial planners in the UK who create strategies that simplify the complexities of the financial world and guide you through it. We are not driven by profits or commissions but by the passion for helping you make smarter investment decisions so that you can achieve your lifestyle goals and invest in a sustainable future.
wealth management portfolio
Don’t just take our word for it. Here’s what one of our clients had to say about our services:

“I have nothing but high praise and respect for this company. You are treated with the same care and concern, whether your investment is large or small. Personal and dependable and available, what more can one hope for? 5 stars and then some….”

“Bill Holliday and his team provide exceptional financial guidance and advice. I feel very confident investing my money with AIO Financial. Bill really gets to know his clients and makes recommendations based on their risk tolerance and financial goals.He has a broad range of experience to meet financial and life planning needs.”

“I have had a great experience working with Bill and the team at AIO. I feel confident that they are guiding me in the best direction for my financial future. After each meeting I leave feeling that any questions or concerns I had were addressed and understand why they are recommending changes to my account.” “Bill is really helpful and knowledgeable and reassuring, and the whole staff is responsive. I feel confident in their financial service and rest-assured that my investments align with my values.”

Sustainable, Responsible,
Impact Investing

wealth management real estate

Our Advisors

Where have you seen AIO Financial – fee only
(fiduciary) financial planners

Investment Pillars






Low Expenses


Tax Minimization / Deferral


In-line with your values

Broad investment

AIO Financial uses the latest
financial planning and
investment tools to provide
the best service possible to our clients.

morning star
money guide pro
charles schwab

AIO Financial uses the latest financial planning and investment tools to provide the best service possible to our clients.

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Question 1

How long until you retire?

Question 2

Approximately, how much do you have in liquid assets? (copy)

Question 3

Approximately, what is the value of your real estate?

residence, second home, rental properties, vacant land

Question 4

What is the approximate pay off value of your mortgages?

all together

Question 5

What is the approximate value of all other debt?

total of: credit cards, car loans, student loans, medical debt, etc