Bonsai Financial

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Client assets under management

$6,849,888

Clients

0% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$110,482

About

Bonsai Financial provides discretionary investment management and financial consulting to individuals, high‑net‑worth individuals, trusts, and estates, tailoring advice to each client’s goals, risk tolerance, and time horizon. The firm emphasizes conservative investing with a focus on income planning and risk management and operates as a small team (two advisors) serving roughly 62 clients with about $6.85 million in assets under management.

The firm follows an asset‑allocation methodology intended to maintain returns while lowering risk and volatility, typically constructing portfolios using ETFs, no‑load or load‑waived mutual funds, and variable annuity sub‑accounts and rebalancing periodically. Accounts are generally managed on a discretionary basis with a stated investment horizon of three to five years, and Bonsai commonly recommends custody through Charles Schwab via its institutional program.

A distinctive feature is the firm’s insurance affiliation: principals are licensed insurance agents and operate Bonsai Insurance Services, LLC, so advisors may offer insurance products (including work with variable annuities) and receive commissions or trail compensation, a potential conflict of interest disclosed in the brochure. The firm also combines hourly financial consulting with ongoing AUM-based management and does not vote client proxies, matters prospective clients may wish to consider when evaluating fit.

Client services

Portfolio management Selection of other advisers Financial consulting

Expertise

Income planning

Fee options

Percentage

$0 - $250,000: 1.75% annually $250,001+: 1.50% annually

Project-based

$250 per hour

Other

Account minimum: $100,000

Main office location

Bonsai Financial

Phoenix AZ, United States

Number of offices

Most active in

Arizona

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

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

Is not active or affiliated with:

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

LinkedIn Facebook Website 602-343-9309

Advisors at this firm

Anthony O

Series 65

Phoenix, AZ

Bonsai Financial

Anthony Olson is a Series 65-licensed financial advisor with 14 years of industry experience. He is a principal at Bonsai Financial Services, LLC in Phoenix, Arizona, where he has worked since 2018. Prior to that, he held roles at Strategy Financial Services, LLC and Strategy Financial Insurance LLC. Olson is also the owner and manager of Bonsai Insurance Services, LLC, providing consulting on life and fixed insurance strategies. Bonsai Financial offers discretionary investment management and financial consulting to individuals, high-net-worth clients, trusts, and estates. The firm employs a conservative, asset-allocation approach focused on income planning and risk management, managing portfolios primarily with ETFs and mutual funds on a discretionary basis.

Income planning

Samuel O

Series 65

Phoenix, AZ

Bonsai Financial

Samuel Olson is a Series 65-licensed financial advisor with nine years of industry experience, currently practicing at Bonsai Financial in Phoenix, AZ. He previously worked at Secured Retirement Advisors and Strategy Financial Services. Olson is also involved in insurance brokerage through Bonsai Insurance Services, where he consults on life and fixed insurance strategies. Bonsai Financial provides discretionary investment management and financial consulting to individuals, high-net-worth clients, trusts, and estates. The firm focuses on conservative investing with an emphasis on income planning and risk management, using an asset-allocation approach that incorporates ETFs, mutual funds, and variable annuities.

Income planning

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