Business Details
22 Years
experience
Your Trusted Partner for Fee-Only Financial Planning Solutions
AIO Financial is a fee-only fiduciary firm dedicated to empowering clients through personalized financial planning and socially responsible investing. With over two decades of combined experience, our team specializes in cross-border financial solutions for expatriates and Sustainable, Responsible, Impact (SRI) investing. We prioritize client-centric service, leveraging cutting-edge financial technology to deliver customized strategies in retirement planning, tax optimization, estate planning, and investment management.Our commitment to transparency, ethical practices, and fiduciary duty ensures clients receive unbiased advice aligned with their values and long-term goals. Operating virtually with physical offices across multiple U.S. locations, we serve a diverse clientele globally while maintaining a focus on accessibility and financial education through workshops, webinars, and comprehensive resources.
Services
Investment Management
Retirement Planning
Tax Planning
Insurance Analysis
Estate Planning
Impact Investing
Cross-Border Planning
SRI Consulting
Financial Education
Wealth Management
Details
- Year established: 2004
Highlights and features
- We are fee-only fiduciaries with no product commissions or conflicts of interest.
- Specialize in cross-border financial planning for expatriates and international clients.
- Offer Sustainable, Responsible, Impact Investing (SRI) strategies aligned with client values.
- Provide virtual financial planning services with in-person options across multiple U.S. locations.
- Utilize advanced financial planning technology for accurate projections and portfolio management.
Associations and certifications
- Certified Financial Planner (CFP)
- Accredited Investment Fiduciary (AIF)
- Chartered SRI Counselor (CSRIC)
What people say
Understanding my needs
High praise and respect
Peace of mind
Saved us thousands
Responsive and available
Services
Investment Management
We create customized investment portfolios aligned with client goals, risk tolerance, and values. Our approach emphasizes diversification, tax efficiency, and low-cost strategies while leveraging advanced financial tools for ongoing monitoring and rebalancing. Clients benefit from transparent fee structures and regular performance reviews to ensure long-term growth and alignment with evolving objectives.
Retirement Planning
Our retirement planning services focus on creating sustainable income streams and optimizing tax strategies for retirement. We analyze current assets, future needs, and market conditions to develop personalized plans that address healthcare costs, estate considerations, and lifestyle goals while ensuring financial security throughout retirement years.
Tax Planning
We implement strategies to minimize tax liabilities through proactive planning and analysis of current financial situations. Our services include tax projections, review of historical returns, and implementation of legal tax reduction techniques that integrate with overall financial strategies while maintaining compliance with evolving tax regulations.
Estate Planning
Our estate planning solutions protect assets and ensure client wishes are honored through comprehensive wills, trusts, and probate assistance. We help clients develop strategies for asset protection, charitable giving, and intergenerational wealth transfer while coordinating with legal professionals to create legally sound documentation.
Impact Investing
We specialize in creating investment portfolios that align financial goals with social and environmental values. Using ESG factors and impact measurement tools, we help clients invest in opportunities that generate positive societal impact alongside competitive financial returns through screening, shareholder advocacy, and community investment strategies.
People
Bill Holliday
Certified Financial Planner
CFP professional with over 20 years of experience in fee-only financial planning. Specializes in cross-border solutions and SRI investing. Holds multiple industry certifications and actively participates in professional networks like NAPFA and XY Planning Network.
Larissa Chaira
Financial Advisor
Bilingual financial advisor with engineering background, specializing in expat financial planning. Joined AIO in 2023, offering expertise in cross-cultural financial solutions and tax considerations for international clients.
Alex Sanchez
Financial Advisor
Former software developer turned financial advisor with expertise in bilingual client services. Developed AIO's investing course and community forum, focusing on technology-driven financial education solutions for Spanish and English-speaking clients.
Luis Sanchez
Financial Advisor
Finance student and marketing expert with cross-cultural experience in Canada and Mexico. Transitioned from marketing leadership to financial advisory services, bringing innovative approaches to client communication and financial education.
Pamela Mendoza
Paraplanner
Experienced paraplanner with decade-long tenure at AIO Financial. Specializes in back-office operations, client documentation, and financial analysis while maintaining focus on continuous professional development in financial planning methodologies.
Questions
What is the minimum investment required to work with AIO Financial?
We do not have a minimum asset requirement. Our services start with a minimum quarterly fee of $125, making financial planning accessible to various client needs.
How does AIO Financial's fee structure work?
We operate on a transparent fee-only model based on assets under management, with no commissions or product sales. Detailed fee information is available on our website.
Do you offer in-person financial planning consultations?
We primarily work virtually through Zoom meetings but offer in-person consultations at our offices in Tucson, Los Angeles, Las Vegas, Boulder, Seattle, and Rochester during regular visits.
What is Sustainable, Responsible, Impact Investing (SRI)?
SRI combines financial return with positive social impact through ESG screening, shareholder advocacy, and community investing while maintaining competitive market performance.
How do you assist expatriate clients with financial planning?
We specialize in cross-border financial solutions including tax optimization, U.S. account management, and lifestyle planning for expats across multiple jurisdictions.
What makes AIO Financial different from other advisory firms?
As fee-only fiduciaries with 60+ combined years of experience, we combine cross-border expertise, SRI specialization, and technology-driven planning tools to deliver comprehensive, unbiased financial solutions.
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