Fee-Only Financial Planning
For impact investors, Americans abroad, and families with wealth on both sides of the Mexico border.
Your life crosses borders. Your financial plan should too.
Fee-only fiduciary planning for Americans abroad, families with assets in both the U.S. and Mexico, and investors who want their money to reflect their values.
Most advisors are built for people who live, earn, and retire in one country. If you hold a brokerage account in Arizona and property in Sonora, or you’re a U.S. citizen filing from Madrid, you already know the standard advice breaks down fast.
AIO Financial is a fee-only, fiduciary registered investment adviser. We coordinate investments, taxes, retirement, and estate planning across jurisdictions, with client assets held at Charles Schwab. We’re compensated only by our clients, never by commissions or product sales.
We are paid by you and only by you
No commissions, kickbacks or product quotas
Fiduciary on every recommendation, in writing
An ongoing relationship — not a one-time plan or an hourly project
We manage your assets but they stay in your name and in your account at Charles Schwab
Unlimited email access between meetings
Independent, Comprehensive, Fee-Only, Fiduciary Standard
We 100% work for you. Our only compensation are our client fees.
No commissions, no conflicts
We do not receive any commissions or sell any products. We 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 a user friendly experience and planning projections to our clients.
Comprehensive
AIO works with you to formulate a unified financial plan that includes all aspects of your financial well-being: asset management, retirement planning, tax planning, estate planning, insurance analysis, and impact investing.
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 and your goals.
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.
WHAT OUR CLIENTS ARE SAYING ABOUT US?
AIO does a great job at understanding my needs, meeting regularly, and educating me about my financial situation and options. I am so happy I found AIO!
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….
I have been with the AIO team for many years now. The reason? They provide the expertise I need to make investments that suit my needs, age, and future goals. I have felt secure for a long time due to their honest and fair financial services. Today we went over the many sustainable, socially responsible investments which will help fight climate change, offer equality in the workplace, and make our future more democratic.
I have nothing but great things to say about AIO Financial. They do more than just manage my investments. They created a plan that covers all areas of my finances, and it gives me tremendous peace of mind. I highly recommend them to anyone, especially those with a high net worth. They do not get commissions or sell anything, so I know they are always doing what is best for me.
I highly recommend AIO Financial. Bill, Val, Alex, and Luis have always been responsive and have certainly saved us thousands of dollars thanks to their advice. They never push to sell us any products and services and have consistently gone beyond what was expected. I cannot imagine better service.
Sustainable, Responsible, Impact Investing
EXPERIENCE: We have extensive experience in Sustainable, Responsible, Impact Investing (SRI) and Environmental, Social, Governance (ESG) Investing. Members First Affirmative, USSIF, and Green America- MAXIMIZE RETURN & IMPACT: SRI is an investment strategy seeking to Target both financial return and social good. You can use ESG factors in your investment decisions without sacrificing return on your investments.
- IN-LINE WITH VALUES: We help clients invest in-line with their values and make positive changes.
- SRI INCLUDES: screening, shareholder advocacy and community investing.
- EVALUATION TOOLS: We use several programs (YourStake, Ethos, and Morningstar) to evaluate the impact of investments and portfolios.
Cross-Border Expat Financial Planning
📍 Residency & Relocation Guidance — Understand visa, tax, and healthcare options in your new country
💼 Cross-Border Tax & Investment Planning — Minimize double taxation and manage U.S.-based accounts from abroad
💸 Retirement Income Strategies — Help to establish a steady income in multiple currencies and jurisdictions
🏠 Real Estate & Lifestyle Planning — Evaluate cost of living, housing, and financial impact of relocating
Introduction to AIO Financial
Bill Holliday, CFP®, AIF®, CSRIC™
Financial Advisor
Larissa Chaira
Financial Advisor
Alex Sanchez
Financial Advisor
Where have you seen AIO Financial?
Investment Pillars
Diversification
Strategic Rebalancing
Low Expense
Tax Minimization / Deferral
In-line with your values
AIO Financial uses the latest financial planning and investment tools to provide the best client-focused service.
Track your own finances
