AIO Financial Services

To provide the best possible financial services, AIO Financial evaluates all part of your financial situation.

  • We evaluate your taxes┬áto 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

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Analyze your current portfolio

to evaluate risks, diversification, expenses, appropriateness for your time horizon and risk tolerance
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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
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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
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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.
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Low Expenses

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Tax Minimization / Deferral

Retirement Planning

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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.
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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.
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Develop plans that meet income or expense objectives

Tax Planning & Projections

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Tax 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.
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Review past tax returns

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Discuss tax laws and ways to minimize your tax liability

Insurance Analysis

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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.
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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
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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.

Estate Planning

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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.
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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.
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Evaluate and advise on account beneficiaries

We work with you to make sure assets are passed as efficiently as possible to meet your desires.

Expat Financial Planning

AIO Financial helps US citizens living abroad with investing, taxes, estate plans and other financial issues.
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Unbiased Fee Only Fiduciary

AIO Financial does not sell any products or make money on transactions. We are unbiased and work on your behalf
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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.
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Tax Planning

Evaluate your tax situation and the agreements between the US and the country where you live.
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Estate Planning

Help insure that your estate plan will meet your needs, in the US and abroad.

Any Other Financial Area

Depending on your needs, our financial advisors assist with:

Sustainable, Responsible, Impact Investing (SRI)

We evaluate your SRI goals and provide many options to meet those goals.
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Real Estate Investing

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Education planning

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Charitable giving

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Inheritance

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Debt Reduction

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And more

 

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.

Free Investing eBook

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Learn about different types of investments and investing strategies.

AIO Financial, 520-325-0769

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