AIO Financial Podcast & Blog

Our podcast and blog cover a variety of personal financial planning issues, including: investing, retirement planning, taxes, estate planning and insurance.

Bear Markets

What is a bear market? A bear market is when the market has more than a 20% downturn from its recent highs. There is no exact length of time for how long a bear market will last. The longest bear market in history occurred during the Great Depression and lasted...

Impact Investing (SRI)

  1 What is SRI? Sustainable, Responsible, Impact Investments (SRI) provide you with the chance to vote with your investments and influence our world. SRI is a rapidly growing area of investment. It is outpacing the overall rate of general investment growth. SRI...

Assisted Living in Mexico

1 Assisted Living in Mexico The cost of assisted living in the US is incredibly high and can be out of reach for many people. The cost depends on where you are located and the level of care you need. The median cost (according to Genworth in 2021) is $4,500 per month...

Retirement Software

We are going to look closer at some of the issues around retirement planning. Retirement planning is really about priorities: • When do you want to retire? • How much would you like to spend in retirement? • How much can you save before retirement? • Will you work...

Why Invest?

In this episode, we discuss: the many reasons you should invest Investments can be used for: 1. Retirement or financial independence, when you no longer need to work. This is a primary objective for many people to be able to replace their income (or...
Spend less & Invest the rest

Spend less & Invest the rest

To reach financial independence, spend less than you earn and invest the rest. This is our moto. It’s simple advice but it’s so true. It’s also not followed that much. Here are some statistics illustrating the lack of savings in American: 64% don’t think they’re on...

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Why Invest?

Why Invest?

In this episode, we discuss: the many reasons you should invest Investments can be used for: 1. Retirement or financial independence, when you no longer need to work. This is a primary objective for many people to be able to replace their income (or...

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Start Investing Now

Start Investing Now

The best time to start investing is right now Really, right now. Time works for your investments. There are many reasons to put off investing: it’s too complicated, later when I make more money, when the kids are older, when my debt is paid off, when I...

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Plant-based & Climate Vegan ETF EATV

Plant-based & Climate Vegan ETF EATV

In this episode, I have an interview with Elysabeth Alfano - the CEO/CMO of VegTech™ Invest and the Founder of Plant Powered Consulting. They have an exchange traded fund (ETF). The VegTech™ Plant-based Innovation & Climate ETF (Ticker: EATV) Invest...

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Responsible Credit Cards

Responsible Credit Cards

Why Switch to a Responsible Credit Card When you open a credit card, your fees go to the issuing bank. This includes: fees merchants pay for each purchase, interest on your balance, annual fees, balance transfer fees, and late fees. The bank then makes loans to...

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Financial Advisors Kataya & Val

Financial Advisors Kataya & Val

The other day Bill Holiday sat down with the two newest fee only financial advisors at AIO Financial to ask some questions and learn a little more about them. Here’s what they talked about. Bill: In this episode, we’re going to introduce you to two of our new advisors...

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The Cost of Expat Life in Mexico

The Cost of Expat Life in Mexico

We have a free ebook about financial issues for expats: Download here Lake Capala Half of the battle to reach Financial Independence is not spending very much. A great way to not spend very much is to live in a low-cost area. Living outside of the US is a one way to...

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Sustainable Responsible Impact Investing

Sustainable Responsible Impact Investing

In this episode, I discuss Sustainable, Responsible, Impact Investing AIO Financial (fee only financial planners) specializes in Socially Responsible Investing (SRI).  The following is an introduction to SRI. Sustainable, Responsible, Impact Investing...

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Ethos Investment Impact Evaluation

Ethos Investment Impact Evaluation

In this episode, Bill interviews Luke Wilcox from Ethos. Luke is the founder and CEO of Ethos. Ethos is a platform for investors and consumers to align their spending with the causes they care about, including racial justice, workplace safety, climate...

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YourStake Investment Impact Reporting

YourStake Investment Impact Reporting

In this episode, Bill interviews Gabe Rissman from your YourStake.   Gabe is the president of YourStake. Gabe's background in data science comes from studying computational astrophysics at Yale, with his thesis focus on dark matter. He has experience...

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Financial Rules of Thumb

Financial Rules of Thumb

This post and episode is a compilation of a few financial rules of thumb. I hope these are helpful for you. 4% Rule for Retirement Spending In this podcast I will answer the question: What are the benefits and limitations to the 4% withdrawal rule for...

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