B1B Financial Solutions

Updated today

Find your advisor

Client assets under management

$59,908,034

Clients

38% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$1,032,897

About

B1B Financial Solutions provides investment management and comprehensive financial planning to individual and high-net-worth clients. The firm manages tailored, discretionary portfolios and offers planning across retirement, estate, tax, business planning, cash flow, insurance, and college-savings topics.

The firm’s investment approach emphasizes passive, long-term portfolios built on Modern Portfolio Theory using index mutual funds and ETFs to seek low internal costs and tax efficiency. It also supplements that passive framework with fundamental, technical and cyclical analysis and manager due diligence, and implements trades on an individual-account basis rather than through aggregated block trading.

Notable aspects for a small, state-registered advisory firm include a two-advisor team that includes a CFP-trained planner, a formal Code of Ethics aligned with CFP Board standards, and the production of written financial plans for planning clients. The firm discloses no related-party conflicts, does not accept performance-based fees, relies on an institutional custody platform for execution and support, and provides custodial statements and trade confirmations rather than separate written portfolio reports from the adviser.

Client services

Financial planning Portfolio management

Expertise

College savings (529s, UTMA, etc.) Cash flow / budgeting Debt management General estate planning guidance Retirement income strategy

Fee options

Percentage

$0 - $500,000: 0.85% $500,001 - $1,000,000: 0.75% $1,000,001 - $3,000,000: 0.65% $3,000,001 - $6,000,000: 0.55% $6,000,001 - $10,000,000: 0.45% $10,000,001 - Above: 0.40%

Project-based

$300 to $500 per hour, negotiable based on complexity

Main office location

B1B Financial Solutions

Nixa MO, United States

Number of offices

Most active in

Missouri

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

417-209-6290

Advisors at this firm

Lance O

Series 66

Nixa, MO

B1B Financial Solutions

Lance O'Neill is a financial advisor at B1B Financial Solutions with 13 years of industry experience. He holds a Series 66 designation and has worked at B1B Financial Solutions since 2019, following seven years at Heim, Young & Associates, Inc. B1B Financial Solutions provides investment management and comprehensive financial planning to individual and high-net-worth clients. The firm emphasizes passive, long-term portfolios based on Modern Portfolio Theory, supplemented by fundamental and technical analysis, and manages tailored discretionary accounts across a range of financial planning areas.

College savings (529s, UTMA, etc.) Cash flow / budgeting Debt management General estate planning guidance Retirement income strategy

Dean Y

CFP®, Series 63

Nixa, MO

B1B Financial Solutions

Dean Young is a CFP® certificant with over 40 years of experience in the financial industry. He currently serves at B1B Financial Solutions and has held prior roles at Mercer Global Advisors, Heim, Young & Associates, and HYA Financial Corp. His career spans various advisory capacities since 1989. B1B Financial Solutions offers investment management and comprehensive financial planning to individual and high-net-worth clients. The firm emphasizes passive, long-term portfolios grounded in Modern Portfolio Theory, supplemented by fundamental and technical analysis, and provides tailored discretionary portfolio management.

College savings (529s, UTMA, etc.) Cash flow / budgeting Debt management General estate planning guidance Retirement income strategy

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support