Fee-Only Fiduciary Financial Planners

Investment Management; Retirement/Spending Planning; Tax Planning; Estate Planning;

Insurance Review; Sustainable, Responsible, Impact Investing


Fee-Only Fiduciaries

AIO Financial is an independent, comprehensive, fee-only financial planning firm. We do not receive any commissions and do not sell any products – so that we can be unbiased and be solely dedicated to meeting your needs as fiduciaries.


We work with you on all aspects of your financial well-being, including: asset management; retirement planning; taxes; estate planning; impact investing. Our fee is based on the assets that we manage.

Virtual or In-Person

We are located in Tucson, Phoenix, and Los Angeles but we work with clients virtually throughout the world. We often travel to visit non-local clients during the year.

Independent Comprehensive Fiduciary Financial Planners


We do not receive commissions or sell products.


We are comprehensive financial planners helping you formulate a unified plan.


We work only for you, as a fiduciary, to represent your best financial interest with 100% loyalty.


As fee only fiduciaries, we’re different from 90% of other financial advisors

  • We have no conflicts of interest – we do not receive any commissions and we do not sell any products
  • We are only compensated by you, our client
  • We are unbiased in our recommendations
  • We can assist you in any financial area you want help with – we do not need to sell a product to get compensated, so we can help with retirement planning, taxes, insurance, estate planning, debt reduction along with investment management – to give you comprehensive financial support.
  • We work for you, not an insurance or mutual fund company – no commissions no product sales
  • We can use a variety of investments to meet your needs, including: ETFs, mutual funds, separately managed accounts, market linked CDs, individual stocks and bonds, …
  • We are fiduciaries – bound by the highest standard of care

Competitive Fees

AIO Financial fees are based on the amount of assets that we manage for you. We assist with all other aspects of your financial well being as part of our service, including: retirement planning, advising on accounts that we do not manage (such as 401k’s), taxes, insurance, estate plan, …

Work with a Certified Financial Planner

All of your meetings will be with Bill Holliday, CFP not with a junior staff member.

Comprehensive Financial Planning

We work with you on all aspects of your finances to develop a unified comprehensive plan. In addition to investment management, we work with you on retirement planning, tax planning, insurance, estate plan, spending plan, and education planning.

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




Strategic Rebalancing


Low Expenses


Tax Minimization / Deferral


In-line with your values

Broad investment options

Because we do not earn commissions and do not sell products, we can meet our clients’ needs using a wide variety of investment vehicles. We provide individualized investment portfolios based on our clients’ risk tolerance and time horizon. We invest in domestic and international stocks, bonds, and alternative investments (not correlated to stock or bond markets). There are investments that protect your principle and give you exposure to markets (structured products).


exchange traded funds (ETF)


bonds (corporate, municipal)


alternative investments


buffered enhanced notes


market linked CDs


treasuries and CDs


limited partnerships


mutual funds


individual stocks


untraded REITs

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

Sustainable, Responsible, Impact Investing

For those people who are interested in Sustainable, Responsible, Impact Investing (SRI), also known as socially responsible investing and ESG investing, we have extensive experience helping people invest in-line with their values and make positive changes.  SRI includes: screening, shareholder advocacy and community investing.

Bill hosts a podcast called Impact Financial Planners on the topic. We offer a free ebook and blog about SRI.  AIO Financial is a member of Impact Investing Firms and First Affirmative. 

You can participate in ethical investing without sacrificing returns and by reducing risk.


AIO Financial is bound by a fiduciary duty. We do not receive commissions or sell products so we can be unbiased and put your needs first.