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# AIO Financial: AIO Financial is a fee-only, fiduciary registered investment advisor serving U.S. households whose financial lives span the United States and Mexico. We provide cross-border investment management, retirement planning, tax coordination and estate planning. CFP® professionals, fiduciary since 2012.

Our firm specializes in comprehensive financial planning, including investment management, retirement planning, tax planning strategies, estate planning coordination, and insurance analysis. We take an “all-in-one” approach, integrating every aspect of a client’s financial life into a clear, customized plan that supports both short-term goals and long-term financial security.

At AIO Financial, we believe education is a critical part of financial success. Through our podcast, courses, written resources, and client conversations, we focus on simplifying complex financial topics and empowering clients to understand the “why” behind their economic strategies. Our goal is not just to manage money, but to help clients feel confident, informed, and in control of their financial future.

As a fee-only fiduciary, we do not earn commissions or sell financial products. This structure allows us to provide unbiased advice, transparency in pricing, and planning strategies that are solely focused on what is best for our clients.

Whether you are preparing for retirement, building long-term wealth, navigating taxes, or seeking clarity around your overall financial plan, AIO Financial is committed to providing thoughtful guidance, education, and personalized solutions every step of the way.

## Sitemaps
[XML Sitemap](https://aiofinancial.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Where to Live in Mexico City](https://aiofinancial.com/where-to-live-in-mexico-city/): Wondering where to live in Mexico City? Compare some of the best CDMX neighborhoods by safety, transit, earthquake risk, lifestyle, expat presence, property prices, Airbnb rules, and long-term investment potential to find the area that best fits your priorities.
- [How We Build Portfolios at AIO Financial](https://aiofinancial.com/how-we-build-portfolios/): Learn how we build portfolios at AIO Financial using risk-based allocations, global diversification, low-cost index ETFs, non-correlated assets, and disciplined rebalancing. Our investment strategy is designed around each client’s time horizon, risk tolerance, tax situation, and long-term financial goals.
- [Inheritance in America:](https://aiofinancial.com/inheritance-in-america/): Inheritance in America can be confusing because different assets follow very different tax rules. Learn how inherited cash, real estate, brokerage accounts, traditional IRAs, and Roth IRAs are taxed, along with key rules for step-up in basis, probate, trusts, and beneficiary planning.
- [Taxes for Americans Living Abroad:](https://aiofinancial.com/taxes-for-americans-living-abroad-mexico-spain/): Americans living abroad generally remain subject to U.S. tax rules, even after moving to another country. This guide explains the key tax issues for Americans living in Mexico or Spain, including the Foreign Earned Income Exclusion, Foreign Tax Credit, FBAR and FATCA reporting, tax residency rules, rental income, retirement accounts, and cross-border planning considerations.
- [How Socially Responsible Investing Has Changed:](https://aiofinancial.com/how-socially-responsible-investing-has-changed/): Socially responsible investing has evolved far beyond simply avoiding companies or industries that conflict with your values. Today, investors can choose from screening strategies, ESG funds, shareholder advocacy, sustainable ETFs, impact investing, and community investing. Learn how SRI has changed—and what to look for when deciding whether an investment truly aligns with your values.
- [Guide for Americans Moving to Spain](https://aiofinancial.com/guide-for-americans-moving-to-spain/): By AIO Financial — Fee-Only Fiduciary Financial Planners
- [Shareholder Advocacy in 2026: A Season Defined by Upheaval and Resilience](https://aiofinancial.com/shareholder-advocacy-in-2026-a-season-defined-by-upheaval-and-resilience/): *A deeper look at the key themes and proposals in the Proxy Preview 2026 report by As You Sow and Proxy Impact*
- [Ultimate Guide to Moving to Mexico](https://aiofinancial.com/guide-to-moving-to-mexico/): Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle.
- [Guide to Socially Responsible Investing (SRI)](https://aiofinancial.com/guide-to-socially-responsible-investing/): Socially responsible investing (SRI) is about aligning your money with your values while still aiming for competitive long term returns. It uses three main tools—screening, shareholder engagement, and community investing—that can be mixed and matched depending on your goals.________________________________________
- [Alternative Investments](https://aiofinancial.com/beyond-stocks-bonds/): In today’s financial environment, stock markets are reaching all-time highs, and interest rates are on a downward trend. This combination creates a challenging situation for investors relying on traditional income-generating assets like stocks, bonds, and CDs. With stock prices inflated, the returns on CDs and bonds shrinking due to lower interest rates, many investors are seeking alternative strategies to diversify their portfolios and generate income.
- [Retirement Reality Check](https://aiofinancial.com/retirement-reality-check/): When planning for retirement, it’s essential to understand how the average American prepares for it — and how those numbers compare to your own plan. Knowing the averages for savings, retirement age, Social Security benefits, healthcare costs, and lifestyle spending gives you a realistic benchmark for what to expect.
- [Socially Responsible Investing Options](https://aiofinancial.com/socially-responsible-investing-options/): Socially Responsible Investing (SRI) offers a compelling strategy for investors who want to generate financial returns while also supporting social, environmental, and ethical causes. The beauty of SRI lies in its ability to align your investment portfolio with your values, from environmental sustainability to social justice, all while aiming to provide competitive financial growth. The misconception that socially responsible investing requires a trade-off between financial return and social impact has been dispelled as SRI options have evolved. Today, investors can participate in SRI without sacrificing their financial goals.
- [Adjusting to Living Abroad](https://aiofinancial.com/adjusting-to-living-abroad/): Living abroad often looks glamorous on social media—sun-drenched beaches, charming cafes, colorful markets, and exciting day trips. But beneath those perfectly filtered photos is a much more complex reality. The truth is, adjusting to life in a new country comes with a host of emotional, cultural, and logistical challenges that can catch even the most seasoned traveler off guard.
- [Considerations when moving abroad](https://aiofinancial.com/considerations-when-moving-abroad/): Moving abroad can be one of the most rewarding experiences of your life. Whether you're planning to retire, work remotely, or simply enjoy a change of scenery, starting fresh in another country offers a blend of adventure, personal growth, and sometimes even financial relief. But international relocation isn't as simple as packing a few bags—it's a complex decision that requires thoughtful research and planning.
- [Real Estate in Mexico](https://aiofinancial.com/real-estate-in-mexico/): In recent years, there's been a notable surge in Americans purchasing real estate in Mexico. This trend driving Americans to move to Mexico This trend is driven by various factors, including Mexico's appealing climate, diverse culture, and relatively lower cost of living. We will present why Americans are increasingly drawn to Mexican real estate, the legalities involved, and the potential benefits and challenges they may face.
- [Why Expats Should Keep Their Investments in the US](https://aiofinancial.com/expats-keep-investments-in-us/): 📅 Book a Free Consultation
- [Smart Gifting Strategies](https://aiofinancial.com/smart-gifting-strategies/): At AIO Financial, many of our clients want to do more than just grow their wealth—they want to give back. Whether you’re already supporting charitable causes or considering a donation this year, there are smart, strategic ways to give that can increase your impact and reduce your taxes.
- [Proxy Season 2025: How Shareholders Are Making an Impact Amid Political Pushback](https://aiofinancial.com/shareholder-advocacy-impact-investing/): At AIO Financial, we specialize in helping our clients align their investments with their values through socially responsible investing (SRI). We believe in the power of the individual investor—and there’s no better example of that power than proxy season, when shareholders come together to hold corporations accountable.
- [10 Best Countries for Americans to Retire Abroad](https://aiofinancial.com/10-best-countries-retire-abroad/): By AIO Financial - fee only Financial Advisors for U.S. Expats
- [Americans in Mexico and Canada](https://aiofinancial.com/americans-in-mexico-canada/): As a U.S. citizen living in or planning to move to Canada or Mexico, navigating the complexities of cross-border financial planning is crucial. From tax obligations to investment strategies and estate planning, understanding how to manage your finances effectively across borders can save you time, money, and stress. At AIO Financial, we specialize in helping Americans living abroad, ensuring that their financial strategies align with their long-term goals and legal requirements.
- [Estate Planning Made Simple: Protect Your Legacy](https://aiofinancial.com/estate-planning-docs/): Estate planning is one of the most crucial yet often overlooked aspects of financial management. Without an updated estate plan, your assets and wealth may not be distributed according to your wishes, potentially leading to unnecessary legal complications, family disputes, and even increased taxes. At AIO Financial, we recognize the importance of proactive estate planning and are committed to making the process easier for our clients. As a fee-only financial planning firm, we offer free estate planning documents through our partnership with Estately to ensure your financial legacy is protected.
- [The Impact of Elections on Investments: Navigating Stock Market Fluctuations with Diversification and Smart Sector Choices](https://aiofinancial.com/impact-of-elections-on-investments/): From shifting policies to economic reforms, the effects ripple across sectors, altering interest rates, currency values, and overall investor sentiment. While short-term uncertainties can disrupt the market, long-term strategies like diversification and sector-specific investments remain reliable approaches to weather the storm.
- [Why Tucson is the Ideal Place to Live for Financial and Lifestyle Success](https://aiofinancial.com/why-tucson-is-best/): Interview with Yasmin Bilger on Engine No. 1 ETFs and sustainable investing.
- [Navigating the Complexities of Caring for Elderly Parents: A Balanced Approach](https://aiofinancial.com/financial-planning-elderly-parents/): Caring for elderly parents is both emotional and challenging, requiring careful planning, financial management, and tough decisions. My experience caring for my mother has shown me that with preparation and resilience, you can balance their needs with your own.
- [Financial Planning for High Net Worth Individuals](https://aiofinancial.com/financial-planners-for-high-net-worth-individuals/): High-net-worth individuals (HNWIs) require more complex and tailored financial strategies to manage their wealth effectively. With investable assets of $1 million or more, HNWIs often face unique financial challenges, from tax minimization to complex estate planning. Financial planners specializing in this niche must address these complexities to ensure wealth is not only preserved but also continues to grow across generations. By utilizing strategies that span investment diversification, risk management, and charitable giving, financial planners play a pivotal role in securing the financial future of HNWIs.
- [Transforming Companies with Engine No. 1 ETFs](https://aiofinancial.com/engine-number-1-etfs/): Interview with Yasmin Bilger on Engine No. 1 ETFs and sustainable investing.
- [Inheritance: IRA Rules and Tax Implications](https://aiofinancial.com/inheritance-ira-rules-taxes/): A detailed guide on understanding inheritance for effective financial planning.
- [10 Things about ESG and Sustainable Investing](https://aiofinancial.com/10-things-about-esg-sri/): In the evolving landscape of investment, Environmental, Social, and Governance (ESG) and Sustainable, Responsible, Impact Investing (SRI) stand out as transformative strategies that combine ethical considerations with robust financial returns. These approaches not only enhance an investor's portfolio but also contribute positively to societal and environmental outcomes. With a sharp increase in global interest, particularly among millennials, ESG and SRI investing have reshaped how we think about generating value, demonstrating that it's possible to impact the world positively without sacrificing profitability. This excerpt delves into the critical elements of ESG and SRI, highlighting growth trends, performance metrics, and diversified strategies that underscore their increasing mainstream acceptance and effectiveness in today's investment scene.
- [Climate Change Investment Portfolio](https://aiofinancial.com/climate-change-investment-portfolio/): In the face of an escalating climate crisis, protecting your investment portfolio becomes crucial. This blog post delves into the relationship between climate change and investment risks, advocating for Sustainable and Responsible Investing (SRI) and Environmental, Social, and Governance (ESG) criteria as essential tools. By integrating these strategies, investors can mitigate risks and contribute to a sustainable future, turning the challenges posed by climate change into opportunities for resilient growth.
- [The Role of a Fiduciary Financial Advisor: Your Guide to Trustworthy Wealth Management](https://aiofinancial.com/the-role-of-a-fiduciary-financial-advisor-your-guide-to-trustworthy-wealth-management/): The Role of a Fiduciary Financial Advisor: Your Guide to Trustworthy Wealth Management
- [The Benefits of Working with a Fee-Only Fiduciary Financial Planner](https://aiofinancial.com/the-benefits-of-working-with-a-fee-only-fiduciary-financial-planner/): The Benefits of Working with a Fee-Only Fiduciary Financial Planner
- [Why Hiring a Fee-Only Financial Planner is the Smart Choice for Your Future](https://aiofinancial.com/why-hiring-a-fee-only-financial-planner-is-the-smart-choice-for-your-future/): Why Hiring a Fee-Only Financial Planner is the Smart Choice for Your Future
- [Retirement Planning Tool](https://aiofinancial.com/retirement-planning-tool/): Retirement Planning Tool
- [Shareholder Advocacy 2024](https://aiofinancial.com/shareholder-advocacy-2024/): The 2024 proxy season reveals the complex dynamics at play in shareholder advocacy. The cautious stance of some major asset managers, combined with economic pressures and geopolitical tensions, has added new challenges to promoting ESG principles.
- [Cash Management Tool](https://aiofinancial.com/cash-management-tool/): Cash Management Tool
Budget percentages and averages
Take Charge of Your Finances with Our New Budgeting App
- [Future of Green Energy Investing](https://aiofinancial.com/future-of-green-energy-investing/): Future of Green Energy Investing
- [AffirmativESG: Tailoring Portfolios for Impactful Sustainable Investing](https://aiofinancial.com/custom-esg-investing-affirmativesg/): Unlock the potential of your investments with AffirmativESG, your gateway to custom ESG investing. This innovative tool by First Affirmative allows investors to shape portfolios that not only meet financial objectives but also mirror personal and ethical convictions. With options ranging from excluding fossil fuels to prioritizing renewable energy, AffirmativESG offers a new dimension of personalized investment strategy, empowering you to invest according to your values without compromising on performance. Discover how AffirmativESG can transform your approach to investment and help you make a meaningful impact on the world.
- [As You Sow – Shareholder Advocacy](https://aiofinancial.com/andy-behar-as-you-sow-interview/): In this insightful interview with Andy Behar, CEO of As You Sow, explore the impactful journey of shareholder advocacy and environmental sustainability that has marked his illustrious 30-year career. From his early days in cleantech to leading As You Sow towards global corporate accountability, Behar's dedication shines a light on the power of informed, engaged shareholders. Discover more about As You Sow's initiatives and Behar’s influential book, “The Shareholders Action Guide,” in our exclusive podcast and video.
- [Green Century – ESG Impact Investing](https://aiofinancial.com/green-century-shareholder-advocacy/): Join us in an engaging discussion with Jared Fernandez, a shareholder advocate at Green Century Mutual Funds, where he shares his extensive experience in promoting sustainable agriculture and effective shareholder advocacy. Learn about Green Century's unique approach combining fossil fuel-free investing and environmental support through their mutual funds. This interview explores the significant impact of environmental, social, and governance (ESG) factors on mutual fund performance and highlights Fernandez’s efforts in pivotal areas such as tropical forest preservation and sustainable agriculture. Discover the transformative power of shareholder advocacy in pushing for corporate responsibility and environmental sustainability in our full video interview.
- [YourStake.org](https://aiofinancial.com/yourstake-impact-investing/): Dive into the innovative world of YourStake, where impact investing meets actionable insights and shareholder power. In this detailed exploration, we unveil how YourStake offers financial advisors tools like portfolio impact reporting to gauge and communicate the real-world effects of investments across crucial areas like gender equality and carbon emissions. Additionally, learn about the YourStake petition platform that empowers smaller investors to enact significant changes in big companies, from addressing climate denial funding to promoting gender pay equity. Discover how YourStake is shaping the future of responsible investing and how you can leverage your investments for greater corporate accountability.
- [Green America – Corporate Engagement](https://aiofinancial.com/todd-larsen-green-america-interview/): Engage with the visionary efforts of Todd Larsen, Executive Co-Director of Green America, as he outlines the transformative initiatives aimed at fostering a green economy. In this interview, Larsen discusses his role in steering Green America's engagement with corporations and the public to promote environmental and social justice. Learn about their strategies in areas such as climate action, fair trade, and socially responsible investing, and how these efforts impact both people and the planet. Discover the significant changes they’ve influenced, including their successful campaign with Apple to improve chemical safety. Join us to gain insights into how Green America is shaping a more sustainable world.
- [Iroquois Valley Farms – Organic Farming](https://aiofinancial.com/iroquois-valley-farmland-organic-investment/): Step into the world of sustainable agriculture with Alex Mackay, Director of Business Development and Investor Relations at Iroquois Valley Farmland REIT. In this enlightening interview, Mackay shares insights into how Iroquois Valley provides crucial land access to organic family farmers and supports the transition from conventional to organic farming. Learn about the unique investment opportunities within the organic farming sector, including their strategies for financial sustainability and environmental stewardship. This discussion also delves into the future plans of Iroquois Valley to expand their impact and offers practical information for those interested in investing in organic farmland. Join us to understand how Iroquois Valley is nurturing the soil and communities across the United States.
- [Leslie Samuelrich, Green Century Mutual Funds](https://aiofinancial.com/green-century-capital-management-impact/): Dive into the world of sustainable investing with Leslie Samuelrich, President of Green Century Capital Management, as we discuss the impactful strategies of Green Century Mutual Funds. This episode of the Impact Financial Planners podcast highlights how Green Century leverages shareholder advocacy to drive significant environmental and social changes through investments. Learn about their approach to investing in companies leading in environmental, social, and governance (ESG) criteria and the success stories that have marked their journey in promoting a greener economy. Join us to gain insights into how you can contribute to sustainability through responsible investing and the power of shareholder engagement.
- [Corporate Accountability](https://aiofinancial.com/hannah-friedberg-corporate-accountability/): In this episode, we explore the significant contributions of Corporate Accountability in challenging and transforming corporate practices globally with Hannah Friedberg. Learn about the organization's strategic efforts in mobilizing communities and influencing regulatory frameworks to ensure that corporate entities are held responsible for their impact on environmental and human rights issues. Discover Corporate Accountability's long-standing commitment to advocating for transparent and ethical corporate behaviors, their notable campaigns like the Nestle boycott, and how you can engage and support their mission. Reflect on the essential role that such organizations play in shaping a just and sustainable future, ensuring that corporate power is aligned with the needs of people and the planet.
- [Ethos Investment Impact Evaluation](https://aiofinancial.com/luke-wilcox-ethos-impact-investing/): Join us in an enlightening podcast interview with Luke Wilcox, founder and CEO of Ethos, as we delve into the transformative world of sustainable, responsible, and impact investing. Discover how Ethos is revolutionizing the financial tech landscape by enabling investors and advisors to align their portfolios with their ethical values. Learn about the platform's innovative features, including a personalized rating system and impact assessment tools, which facilitate informed and value-driven investment decisions. Luke Wilcox shares his journey from data expert to pioneering CEO and how Ethos empowers advisors to engage clients effectively with sustainable impact strategies. Tune in to understand how Ethos connects with the United Nations Sustainable Development Goals to enhance investment transparency and impact.
- [Impact Assets – Donor Advised Fund](https://aiofinancial.com/impact-assets-donor-advised-fund/): Dive deep into the realm of donor-advised funds (DAF) with Scott Nance, a seasoned expert from ImpactAssets, in this comprehensive interview. Learn how ImpactAssets, spun out of Calvert Impact Capital, is pioneering the integration of impact investing with philanthropic strategies through the ImpactAssets Giving Fund. This fund offers investors a unique combination of tax benefits, investment growth, and charitable giving flexibility. With over $425 million in assets and more than 300 impact investment positions, ImpactAssets stands as a leader in facilitating direct impact investments within DAFs. Discover the "Three G’s of DAFs" — Giving, Growing, and Granting — and how you can engage in sustainable and responsible investing while supporting public charities. Scott Nance shares insights into the benefits of investing through ImpactAssets, including access to exclusive ESG mutual funds and private equity opportunities. Join us to understand how your philanthropic efforts can achieve greater impact through informed and intentional investment choices.
- [YourStake Investment Impact Reporting](https://aiofinancial.com/yourstake-impact-investing-gabe-rissman/): Join us in an engaging podcast interview with Gabe Rissman, President of YourStake, as we delve into the innovative world of impact investing. Gabe, with his background in computational astrophysics and experience in sustainable finance, discusses how YourStake empowers investors and advisors to make informed decisions aligned with their values. Learn about the unique tools and reports YourStake offers, enabling a tangible understanding of the impact of investments. Whether it's promoting gender diversity in management or investing in clean energy, YourStake provides concrete data to help investors see the real-world effects of their financial choices. Discover how YourStake is transforming the landscape of ESG investing by allowing clients to express their values through their investment portfolios, ultimately pushing for greater corporate responsibility. For more insights and to explore YourStake's tools for value-driven investing, visit YourStake.org.
- [Sustainable, Responsible, Impact Investing Conference](https://aiofinancial.com/2019-sri-conference-insights/): The 2019 Sustainable, Responsible, Impact Investing (SRI) Conference in Colorado Springs was a pivotal event, bringing together industry leaders to discuss the future of finance in relation to environmental and social responsibility. This summary captures the essence of the conference, from the commitment of major banks to combat climate change by adopting UN-backed responsible banking principles, to the innovative Digital Wealth Services Platform introduced by First Affirmative, designed to tailor SRI portfolios based on individual preferences. Delve into diverse topics covered at the conference such as the role of ESG in shareholder activism, strategies for decumulation in retirement, the potential of hemp in sustainable industries, and the increasing involvement of professional athletes in impact investing. Discover how the conference emphasized the necessity of aligning financial strategies with ethical considerations to drive positive change and secure better financial returns.
- [Alternative Investments – Moving Differently](https://aiofinancial.com/alternative-investments-for-sri/): Explore the emerging landscape of alternative investments within the realm of Socially Responsible Investing (SRI). This comprehensive overview introduces four pioneering SRI alternatives that cater to accredited investors seeking to diversify their portfolios while adhering to ethical investment practices. Learn about GreenBacker Renewable Energy Company, which focuses on sustainable energy projects; TriLinc Global, which provides growth capital in emerging markets; SQN Capital, which invests in essential business equipment; and Iroquois Valley Farms, a leader in organic agriculture investments. These alternatives not only offer potential financial returns but also contribute positively to social and environmental objectives. Discover how these investments work, their benefits, risks, and how they align with the goals of socially conscious investing.
- [Invest in Increasing Dividend Paying Stocks](https://aiofinancial.com/invest-increasing-dividend-stocks-fee-only-financial-planner/): In this podcast I will answer the question: does investing in stocks that have increasing dividends provide a portfolio that outperforms the broad market?

## Pages
- [cross border eBook Thank You](https://aiofinancial.com/cross-border-ebook-thank-you/): Cross-Border Financial Planning: what U.S. persons with accounts, property, or family in Mexico need to know.
- [SRI questionnaire](https://aiofinancial.com/sri-questionnaire/): Our Socially Responsible Investing questionnaire helps us understand your personal values and priorities so we can align your investment portfolio with the issues that matter most to you. Tell us which industries you prefer to avoid, the causes you want to support, and how strongly you want your investments to reflect your values.
- [Allison Young](https://aiofinancial.com/allisonyoung/): Hamburg, Germany or Anywhere (Virtual Meetings)
- [Expat webinar](https://aiofinancial.com/expat-webinars/)
- [Resources](https://aiofinancial.com/resources/): (coming soon)
- [expat eBook Thank You](https://aiofinancial.com/expat-ebook-thank-you/): The Expat Financial Guide, 2026 Edition — 48 pages on taxes, investing, residency, healthcare, and estate planning for Americans living abroad.
- [SRI eBook Thank You](https://aiofinancial.com/sri-ebook-thank-you/): We will review your financial situation, answer questions, and discuss our services.
- [SRI eBook](https://aiofinancial.com/aio-sri-ebook/)
- [Expat eBook](https://aiofinancial.com/expat-ebook/)
- [Luis Sanchez](https://aiofinancial.com/luissanchez/): Virtual Meetings
- [Schedule](https://aiofinancial.com/schedule/): Welcome to our scheduling page. Please follow the instructions to add an event to my calendar.
- [Cross Border Bilingual Advisory Services](https://aiofinancial.com/bilingual-advisors/): At AIO Financial, we specialize in providing culturally sensitive financial advice tailored to the unique needs of Spanish speakers and bilingual individuals in the U.S.
- [Expat Financial Planning](https://aiofinancial.com/expat-financial-plan/): Navigate complex international tax laws and minimize liabilities with our expert guidance.
- [Impact Investing](https://aiofinancial.com/impact-investing/): Sustainable Responsible Impact Investing (SRI) is an investment strategy that maximizes financial return and the good of society. SRI factors in Environmental, Social, and Governance (ESG) of investment along with shareholder advocacy and community investing. At AIO Financial, we offer customized portfolios to help align your portfolio to your values without sacrificing financial return.
- [Bill Holliday](https://aiofinancial.com/billholliday/): Tucson, AZ; Los Angeles, CA; Las Vegas, NV; Boulder, CO; Seattle, WA; or Anywhere (Virtual Meetings)
- [Larissa Chaira](https://aiofinancial.com/larissachaira/): Virtual Meetings
- [Alex Sánchez](https://aiofinancial.com/alexsanchez/): Virtual Meetings
- [Pre-Prospect Meeting Questionnaire](https://aiofinancial.com/pre-meeting-questions/): Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form. - Step 1 of 6How long until you retire?I'm already retired.Less than 5 years (2024-2029).5-10 years (2029-2034).10-20 years (2034-2044).More than 20 years (2044 and beyond).Unsure at this time.NextApproximately, how much do you have in liquid investable assets?Under $200,000.$200,000 - $400,000.$400,000 - $750,000.$750,000 - $1,000,000.$1,000,000 - $2,000,000.$2,000,000 - $5,000,000.More than $5,000,000.(Include bank accounts, investment accounts, IRAs, Roth IRAs, 401(k)s)PreviousNextWhat is your estimated total annual household income?Under $50,000$50,000 - $100,000.$100,000 - $200,000.$200,000 - $300,000.$300,000 - $500,000.$500,000 - $1,000,000.More than $1,000,000.(Total pretax income) total income? long PreviousNextWhat are you hoping to accomplish through financial planning? (Please provide specific goals) *(Example: planning for retirement, managing wealth, reducing debt, etc.)PreviousNextWhere did you hear about AIO Financial? *(Example: Google search, NAFA, YouTube, Facebook, friend or family)Where are you from? *(Please provide your city and state.)PreviousNextName *FirstLastEmail *(Please enter your email address.)Phone(Please enter your phone number if you wish to be contacted this way.)Previous Submit
- [Pre-Meeting Questionnaire](https://aiofinancial.com/meeting-questions/): Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form. - Step 1 of 6 events cover provide Do you have any major financial events coming up? Any updates we should know about?NextPlease provide the balance in any non-Schwab accounts that are not linked in eMoney (checking, savings, 401k, 403b, ...) (thank you)so we can have eMoney up to date for our meetingNextPlease provide any other update for your balance sheet (vehicle information, mortgage, ...)so we can have eMoney up to date for our meetingPreviousNextWhat is your priority that we cover in your upcoming meeting? *PreviousNextName *FirstLastEmail *PhoneNextPrevious Submit
- [Honolulu](https://aiofinancial.com/honolulu/): AIO Financial has an office located in Honolulu, HI.
- [Index Investing Course](https://aiofinancial.com/index-investing/): Index Investing Index Investing Intro - Index Investing Course Instructors - Index Investing Course Intro to Why Invest - Index Investing Course Benefits of Savings and Time Value of Money - Index Investing Course Retirement - Index Investing Course Benefit of Investment Account- Index Investing Course What to Invest In - Index Investing Course What to Invest In and What is a Stock - Index Investing Course What is a Bond - Index Investing Course Expected Return - Index Investing Course Index Investing - Index Investing Course Exchange Traded Funds and Index Mutual Funds - Index Investing Course Target Date Funds - Index Investing Course Three Fund Portfolio - Index Investing Course Intro - Types of Accounts - Index Investing Course Types of Accounts, Taxable, Tax Advantaged - Index Investing Course Taxes - Types of Accounts, Taxable and Tax Advantaged - Index Investing Course Intro Where to Invest - Index Investing Course How to Invest - Index Investing Course Intro Financial Planning and Debt - Index Investing Course Long-Term Thinking - Index Investing Course Financial Planning and Debt - Index Investing Course Start Now - Index Investing Course Account Maintenance - Index Investing Course Considerations if looking for an advisor - Index Investing Course Intro Sustainable, Responsible, Impact Investing - Index Investing Course Intro Summary - Index Investing Course Resources - Index Investing Course Thank You - Index Investing Course Get your free eBook here Please fill out the following questionnaire if you would like an advisor from AIO Financial to reach out to you. Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form. - Step 1 of 11When do you plan to retire?I'm already retiredIn less than 5 yearsIn 5-10 yearsIn 10-20 yearsIn more than 20 years(Select the option that best describes your situation.)NextWhat is the approximate total value of your liquid assets?Under $200,000$200,000 - $400,000$400,000 - $750,000$750,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $5,000,000More than $5,000,000(Include bank accounts, investment accounts, IRAs, Roth IRAs, and 401ks.)PreviousNextWhat is the approximate value of your real estate?Under $250,000$250,000 - $500,000$500,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $5,000,000More than $5,000,000(Include your primary residence, second home, rental properties, and vacant land.)PreviousNextWhat is the approximate total payoff amount of your mortgages?Under $100,000$100,000 - $250,000$250,000 - $500,000$500,000 - $1,000,000$1,000,000 - $2,000,000More than $2,000,000Please estimate the total remaining balance of all your mortgages combined.PreviousNextWhat is the approximate total value of all your other debts?Under $100,000$100,000 - $250,000$250,000 - $500,000$500,000 - $1,000,000$1,000,000 - $2,000,000More than $2,000,000Include the total of all your debts, such as credit cards, car loans, student loans, medical debt, etc.PreviousNextWhat is your estimated total annual household income?Under $50,000$50,000 - $100,000$100,000 - $200,000$200,000 - $300,000$300,000 - $500,000$500,000 - $1,000,000More than $1,000,000Include the total pretax income for your entire household.PreviousNextWhat are your total annual expenses?Under $50,000$50,000 - $100,000$100,000 - $200,000$200,000 - $300,000$300,000 - $500,000Over $500,000Include all your after-tax expenses for the year.PreviousNextDo you have any major financial events planned?Examples include selling a home, receiving an inheritance, retiring, getting married, having a baby, etc. of When What PreviousNextWhat do you hope to achieve through financial planning? *Examples include planning for retirement, managing wealth, reducing debt, etc.PreviousNextHow did you hear about AIO Financial? *Examples include Google search, YouTube, Facebook, a friend or family member, NAPFA, etc.PreviousNextName *FirstLastEmail *PhoneStatePrevious Submit
- [NAPFA Links](https://aiofinancial.com/napfa-links/): Clarity is a fee-only solo RIA that does AUM & project planning.
- [Effective Altruism](https://aiofinancial.com/effective-altruism/): Effective Altruism is using evidence and research to determine how we can best use our resources to help others. Donors can direct their funds toward options that rigorous research shows give the most impact per dollar. The following is a list of effective non-profit organizations working on a number of important issues.
- [Wealth Management](https://aiofinancial.com/wealth-management/): AIO Financial manages investment assets for clients. As asset managers (investment advisors), this is our general process:
- [Seattle](https://aiofinancial.com/seattle/): Address: 22525 SE 64th Pl, Suite 200, Issaquah, WA 98027Phone:(425) 528-0877
- [Rochester](https://aiofinancial.com/rochester/): With an already strong presence in New York State, we remain committed to delivering exceptional financial guidance tailored to individuals and families in Rochester. Known for its rich history, vibrant arts and culture scene, and exceptional quality of life, Rochester offers residents a perfect blend of urban sophistication and natural beauty.
- [Las Vegas](https://aiofinancial.com/las-vegas/): Address: 1810 E Sahara Ave, Suite 591, Las Vegas, NV 89104Phone:(702) 848-3033
- [Los Angeles](https://aiofinancial.com/los-angeles/): Address: 433 N. Camden Drive, 6th Floor, Beverly Hills, CA 90210Phone:(424) 358-5410
- [Boulder](https://aiofinancial.com/boulder/): Address: 4845 Pearl East Circle, Boulder, CO 80301Phone: (720) 779-0275
- [Tucson](https://aiofinancial.com/tucson/): Address: 2531 E Richards Pl Tucson, AZ 85716Phone: (520) 325-0769
- [Contact](https://aiofinancial.com/contact/): AIO Financials’ team of experts is always ready to assist you with any queries or concerns related to our services. Whether you’re looking for investment advice, retirement planning, or insurance, we’re here to help.
- [Testimonial](https://aiofinancial.com/testimonial/): “I have been working with AIO Financial for several years after hearing Sylvia speak to a women’s group on socially responsible investing. They were very helpful when my father died, and I had to take care of his estate. They are always willing to respond whenever I have questions or need guidance. I have used two other financial advisers in the past and have stuck with them because of their positive and caring behavior.”
- [FAQ](https://aiofinancial.com/faq/): Here are some of the questions we are frequently asked.
- [About](https://aiofinancial.com/about-aio-financial/): Discover the AIO Financial Team of experienced, fee-only financial advisors. Learn about our mission to help you achieve financial security with personalized planning and investment strategies.
- [Blog](https://aiofinancial.com/blog/): Wondering where to live in Mexico City? Compare some of the best CDMX neighborhoods by safety, transit, earthquake risk, lifestyle, expat presence, property prices, Airbnb rules, and long-term investment potential to find the area that best fits your priorities.
- [Fees](https://aiofinancial.com/fees/): We offer ongoing asset management as part of comprehensive financial planning. Transparent pricing. No hidden fees.
- [Estate Planning](https://aiofinancial.com/estate-planning/): Does planning for your future concern you? Let us assist you with our estate planning services.
- [Insurance Analysis](https://aiofinancial.com/insurance-analysis/): Over the years, we’ve uncovered that many underestimate the power of a good insurance plan. A protective layer around your wealth will ensure that your livelihood and most valuable possessions are not vulnerable. Our team of experts analyzes your insurance to look for gaps and protect what matters the most- your wealth. Our team of experienced analysts uses technology and data-driven insights to help you make informed decisions about your insurance policies.
- [Tax Planning](https://aiofinancial.com/tax-planning/): Tax laws are complicated, and the ever-changing economy, technological advancements, and legislation complicate it even more. In such a scenario, you might find yourself struggling to navigate through all these complexities to find a way toward an excellent financial opportunity. 
- [Retirement Planning](https://aiofinancial.com/retirement-planning/): Your retirement years are considered your golden years, where you have the resources and time to do anything and everything you’ve always wanted to do. But to some people, the approaching retirement age brings more worries than joy. With retirement comes the question- how will I maintain a steady flow of income? And that’s where our retirement planning services come to your aid. 
- [Investment Management](https://aiofinancial.com/investment-management/): As an investment advisory firm, we believe that your investments should be the reflection of your long-term financial goals. Therefore, we work closely with you to chalk out a unique plan made just for you. In our opinion, there is no such thing as a “standard portfolio,” and no two portfolios should look exactly alike. We aim to build a portfolio tailored to your needs and goals.
- [Services](https://aiofinancial.com/services/): As an investment advisory firm, we believe that your investments should be the reflection of your long-term financial goals….
- [AIO Financial](https://aiofinancial.com/): A financial planning podcast covering investing, taxes, estate planning, insurance, and retirement strategies with AIO Financial, your trusted Fee Only Financial Planners.

## Categories
- [Alternative Investments](https://aiofinancial.com/category/alternative-investments/)
- [Charity](https://aiofinancial.com/category/charity/)
- [Climate Change](https://aiofinancial.com/category/climate-change/)
- [Community Investing](https://aiofinancial.com/category/community-investing/)
- [crossborder financial planning](https://aiofinancial.com/category/crossborder-financial-planning/)
- [Dept](https://aiofinancial.com/category/dept/)
- [Environmental Social Governance](https://aiofinancial.com/category/environmental-social-governance/)
- [Estate Planning](https://aiofinancial.com/category/estate-planning/)
- [Expat](https://aiofinancial.com/category/expat/)
- [Expat Financial Planning](https://aiofinancial.com/category/expat-financial-planning/)
- [Fee-only advisors](https://aiofinancial.com/category/fee-only-advisors/)
- [Financial Advisors](https://aiofinancial.com/category/financial-advisors/)
- [Financial Planning](https://aiofinancial.com/category/financial-planning/)
- [Impact Investing](https://aiofinancial.com/category/impact-investing/)
- [Impact Inveting](https://aiofinancial.com/category/impact-inveting/)
- [Investing](https://aiofinancial.com/category/investing/)
- [Mutual Funds](https://aiofinancial.com/category/mutual-funds/)
- [Podcast](https://aiofinancial.com/category/podcast/)
- [Real Estate](https://aiofinancial.com/category/real-estate/)
- [Retirement Planning](https://aiofinancial.com/category/retirement-planning/)
- [Shareholder Advocacy](https://aiofinancial.com/category/shareholder-advocacy/)
- [Socially Responsible Investing](https://aiofinancial.com/category/socially-responsible-investing/)
- [Spending](https://aiofinancial.com/category/spending/)
- [SRI](https://aiofinancial.com/category/sri/)
- [Taxes](https://aiofinancial.com/category/taxes/)
- [Types Of Investments](https://aiofinancial.com/category/types-of-investments/)