AIO Financial Services
To provide the best possible financial services, AIO Financial evaluates all part of your financial situation.
- We evaluate your taxes to minimize your tax burden. We especially consider investment tax implications.
- We get a good understanding of your spending plan and retirement plan to determine your investment time horizon (when you need money).
- We review your insurance to make sure you are appropriately covered but not over covered.
- We look at your estate plan to insure that beneficiaries, will designations, and the structure of your estate plan effectively meet your desires.
Tap on our service categories below for details about each.
Investment Review & Management
Analyze your current portfolio
to evaluate risks, diversification, expenses, appropriateness for your time horizon and risk tolerance
With you, construct an individualized diversified portfolio
taking into consideration your needed prudent reserve (emergency savings), when you need your investment money, your tax situation, and your comfort for volatility
Evaluate as many proposals as needed
we will make investment portfolio recommendations and work with you to come up with a solution that meets your needs
Regularly review and re-balance
we strategically re-balance your portfolio to the agreed upon investment policy each quarter or at least every 6 months. This keeps you from getting over exposed in any one asset class and forces you to sell high and buy low.
Tax Minimization / Deferral
Evaluate spending needs and retirement goals
if you do not have a handle on your monthly or annual spending, we have tools to help you understand where you are currently spending money and we discuss future spending needs.
Evaluate various scenarios of different income and expenses
we look at your current and expected income, your assets and your existing and future expenses. Given your assets and expected income (including when you want to stop or reduce working), we can estimate how much you can spend a year. If you give us how much you want to spend per year, we can estimate how long you may need to work to meet that goal.
Develop plans that meet income or expense objectives
Tax Planning & Projections
We look at your most recent tax return and based on your income, with holdings, and deductions, we use a program to evaluate the current year taxes. We discuss ways to minimize your state and federal taxes. Based on proposed tax law changes, we make recommendations to best take advantage of your tax situation.
Review past tax returns
Discuss tax laws and ways to minimize your tax liability
Review current insurance coverage
We want to be sure you are appropriately covered but not over covered. We look at your coverage, deductibles, riders and the amount you are paying.
Discuss insurance needs/options
We review the insurances you have and can discuss different types of insurance that you may or may not need – such as long term care insurance, life insurance, disability insurance, … We use our retirement planning evaluation to determine what type and amount of life insurance, if any, may be desired
If needed, help get quotes
We do not sell insurance and we do not receive any compensation from any insurance sales people but we can make recommendations on where you may want to get quotes to compare with what you currently have. We generally recommend that people get quotes every four to five years because the insurance market is constantly changing.
Review existing estate plan
We review your estate planning documents to be sure the beneficiaries and personal representatives are up to date and meet your desires. We make sure you have complete documents so they are ready if needed. We discuss tax issues and how different assets will be transferred to be sure everyting is as you desire.
If needed, help getting estate plan documents
We are not lawyers and do not prepare documents but we have worked with several lawyers, we know their fees, and can facilitate getting your estate plan documents generated or updated.
Evaluate and advise on account beneficiaries
We work with you to make sure assets are passed as efficiently as possible to meet your desires.
Unbiased Fee Only Fiduciary
AIO Financial does not sell any products or make money on transactions. We are unbiased and work on your behalf
Expat Investment Considerations
We balance your currency and country investment exposure. We recommend investing in US brokerage accounts to minimize expenses and have the best security and regulatory protection.
Evaluate your tax situation and the agreements between the US and the country where you live.
Help insure that your estate plan will meet your needs, in the US and abroad.