Fee-Only Fiduciary Financial Planners
Investment Management; Retirement/Spending Planning; Tax Planning; Estate Planning;
Insurance Review; Sustainable, Responsible, Impact Investing
We are located in Tucson, AZ and Los Angeles, CA 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.
WHY CHOOSE AIO FINANCIAL?
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 FeesAIO 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 PlannerAll of your meetings will be with Bill Holliday, CFP not with a junior staff member.
Comprehensive Financial PlanningWe 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.
Tax Minimization / Deferral
In-line with your values
Broad investment optionsBecause 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)
buffered enhanced notes
market linked CDs
treasuries and CDs
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. You can participate in ethical investing without sacrificing returns and by reducing risk. Contact us to find out more.