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AIO Financial, LLC

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Client assets under management

$199,162,733

Clients

197

24% high-net worth

Advisors

2

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

99

High

Average account size

$1,010,978

About

AIO Financial provides personalized, fee‑only financial planning and investment advice to individuals, families, trusts, estates, and small businesses, working with both high‑net‑worth and non‑HNW clients. The firm reports it does not accept commissions, does not sell financial products, and does not act as custodian of client assets.

The firm integrates investment advice into a broader financial planning process and emphasizes diversified, functional asset allocation across equities, fixed income, and real estate, with ESG ETF options available when appropriate. AIO Financial operates primarily on a non‑discretionary basis—clients retain final authority over transactions and the firm implements trades only with client authorization or a limited power of attorney.

Distinctive for a three‑advisor practice, AIO Financial maintains six offices and uses multiple public advertising channels and websites alongside client referrals. The brochure discloses a past regulatory finding related to recommendations of certain private commercial mortgage investments and describes subsequent limits on those product types and a shift to investments that can be held at the firm’s recommended custodian.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning Cash flow / budgeting ESG / Sustainable investing

Fee options

Fixed

Fixed retainer fees range from $200 to $5,000 (one-time); Annual retainer fees from $100 to $5,000 per quarter

Percentage

$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.70% $1,000,001 - $2,000,000: 0.50% $2,000,001 - $12,000,000: 0.30% $12,000,001+: negotiated

Project-based

Up to $500 per hour

Other

Minimum fee: Minimum annual fee of $3,000 (or $750 per quarter) Fee-only: Fee-only financial planning firm; no commissions accepted

Main office location

AIO Financial, LLC

2531 E Richards Pl

Tucson AZ 85716, United States

Number of offices

6

Most active in

More info

Arizona · California · Colorado · Hawaii · Nevada · New York · Oregon · Washington

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Instagram Website 520-325-0769

Advisors at this firm

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user avatar

William H

CFP®, Series 65

Tucson, AZ

AIO Financial, LLC

William Holliday is a CFP® and holds a Series 65 license with 20 years of industry experience. He has been with AIO Financial, LLC since 2004. Outside of his advisory role, he serves as a volunteer director for Promex Group, a nonprofit supporting charitable projects in Mexico. AIO Financial provides personalized, fee-only financial planning and investment advice to individuals, families, trusts, estates, and small businesses, serving both high-net-worth and non-HNW clients. The firm emphasizes diversified, functional asset allocation and operates primarily on a non-discretionary basis, implementing trades only with client authorization.

General retirement planning Cash flow / budgeting ESG / Sustainable investing
user avatar

Luis S

Series 65

Tucson, AZ

AIO Financial, LLC

Luis Sanchez is a financial advisor at AIO Financial, LLC in Tucson, AZ, holding a Series 65 designation with one year of industry experience. Prior to joining AIO Financial in 2023, he was affiliated with Leones Karate Team from 2020 to 2023 and the University of Sonora from 2015 to 2020. AIO Financial provides personalized, fee-only financial planning and investment advice to individuals, families, trusts, estates, and small businesses. The firm emphasizes diversified, functional asset allocation and operates primarily on a non-discretionary basis, serving both high-net-worth and non-HNW clients without accepting commissions or selling financial products.

General retirement planning Cash flow / budgeting ESG / Sustainable investing
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