AIO Fee Only Financial Advisors N Oracle Rd, Tucson

AIO Fee Only Financial Advisors Reviews

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  Scott Marsh
  1

  Requested fee-only planning from Bill Holiday. Instructed him that I wanted to manage our modest retirement account with low fee ETFs. Only wanted to employ him to set up our portfolio. He advised we invest in alternative investments--1/3 of our entire retirement portfolio. He provided no prospectus nor advised us as to the unique character of these investments. Mr Holiday took a commission from the sale of these investments--although he told us he would never take a sales commission. We've lost a large part of these investments and are unable to liquidate the remainder. He was dishonest and professionally unethical. I suppose it was our fault that we trusted him. I advise you never to use him or his firm.

  Response from the owner

  This is not a true review. I expect Google will take it down. Slander, especially if it impacts a company's business, should not be allowed - it should not be legal. AIO Financial is a member of NAPFA. We are, and always have been, fee-only advisors. We do not get commissions nor do we sell any financial products. We are completely unbiased because we are solely compensated by our clients. As fee-only advisors, held to a fiduciary standard, there is no benefit to us to steer clients into a portfolio that is not appropriate for them. Investments do have the risk of loss (they do change value). That is part of investing. All of the investments we use, and have used, do provide a prospectus. For client portfolios, we primarily use Exchange Traded Funds (ETF) and mutual funds unless a client requests something else. We provide diversified portfolios and rebalance them regularly. We do not recommend any alternative investments, that are not ETFs or mutual funds, to any clients unless they are requested by our client. We offer ongoing service, an index investment course, an subscription community (with a forum and live zoom calls), and one-time meetings. We work with most of our clients on an ongoing basis. We meet regularly throughout the year and keep up on all of their financial goals. This allows us to make adjustments to their financial plan (including investments) and address their changing needs. There are limitations to brief financial consulting engagements - investments that were requested years ago may not be appropriate years later. Any financial plan should be reviewed and adjusted. We are comprehensive financial advisors and work with clients on areas of: investing, retirement planning, taxes, insurance, and estate planning. As advisors, education is a principle job of ours. We educate clients on their retirement plan (their goals and obstacles), insurance (is their coverage appropriate for their situation), estate plan (are their objectives being met), taxes (are they making the best decisions to minimize their long-term taxes), and investments. The reason many people come to us is so that we can support them with their investments. We take that responsibility very seriously. We determine their time horizon and risk tolerance to determine the portfolio that is most appropriate for them. Again, these portfolios are primarily constructed of ETFs and mutual funds. Portfolios (and investments) do change in value over time and we discuss the risk/return trade off - and the pros and cons of different portfolios. We work hard to educate our clients and put them in a portfolio that meets their needs. We work hard to educate our clients about the investments they are getting into. Many of our clients have an interest in Sustainable, Responsible, Impact Investing (SRI) or Environments, Social, Governance (ESG) investing - and are very interested in the details of the investments they have. We do explain what Exchange Traded Funds (ETFs) and mutual funds are because that is what we use. In the rare case where a client is interested in alternative investments that are not ETFs or mutual funds - we do answer any questions and explain the nature of the investments. Sincerely Bill Holliday, CFP®, AIF®, CSRIC™ 520-325-0769 [email protected]

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  ffafinancial feeonly1
  5

  I have been working with AIO financial for about 12 years and couldn’t be more comfortable. I feel secure with my future planning which has been personalized over the years. As life events happen, AIO has been with me the whole way. I feel supported and heard, in more than one situation, AIO has anticipated my concern and contacted me. And they know financial planning. I have recommended AIO to several friends over the years, no one has been disappointed. AIO is the best of small business; smart, sensitive, kind and stays current. I highly recommend. Fran Donnellan, client since 1998

  Response from the owner

  Fran Thank you for the very nice review. I have enjoyed working with you all of these years. Bill

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  Alejandro Sanchez
  5

  Very informative and complete explanation, service is good and polite. To be honest, i think that Bill is a highly reliable CFP and will stay with him to manage my financial plan. To be honest it feels good when i have any kind of doubt and have all the answers to anything i need on the matter, highly recommend it.

  Response from the owner

  Thank you Alex for the kind words and nice review. We appreciate your review. Bill

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  William Holliday
  5

  “Thanks to AIO Financial, I have become increasingly knowledgeable about what I do and don’t have regarding the financial underpinnings for my life, and what options I have. I really need their comprehensive strategy regarding planning for investments, insurance, assets, estate plans and taxes. I really like the fee-only structure of the professional relationship and I appreciate the supportive and conscientious way we interact. I feel safe and secure with AIO.” Laurie Jurs, client since 2003

  Response from the owner

  Thank you Laurie for the nice review. I appreciate your trust in us. It has been a pleasure working with you over all of these years. Bill

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  Bill Holliday
  5

  I am a single professional woman who has worked with AIO Financial for about 7 years. While they have guided me throughout, I have always felt ultimately in charge of my finances. In those seven years, I have purchased and paid off my home, built a solid retirement account, and taken the dream vacation of my life. I am extraordinarily satisfied with their service. Toni Bray, client since 2005

  Response from the owner

  Toni - thank you for the nice testimonial. I appreciate the positive feedback. Time passes so fast and there are always changes - it's been nice to be part of your journey. Bill Holliday, CFP®, AIF®, CSRIC™

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  AIO Financial
  5

  AIO Financial planners are fiduciaries (fee only, members of NAPFA) - their blogs, podcasts and videos about ESG, Impact Investing, Socially Responsible Investing are informative. They are comprehensive financial advisors who are only compensated by their clients.

  Response from the owner

  Thank you for the review. Yes, Sustainable, Responsible, Impact Investing (SRI) and Environmental, Social, Governance (ESG) investing are important to many of our clients. It provides people the opportunity to invest in-line with their values through: screening, shareholder advocacy, and community investing. SRI has changed greatly over the years and there are new tools available to evaluate the impact of an investment portfolio and to screen investment options. With all of the available investment options and evaluation tools - anyone can build a portfolio that reflects their values and can feel good about making a positive impact through their investments. We try to provide as much information as possible to our clients who are interested in SRI. Bill Holliday, CFP®, AIF®, CSRIC™

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  M. Maguire
  5

  I've been going to AIO for several years. They're truly All In One financial planners. I like Bill's straightforward style, lack of financial bias, and socio-environmental conscience.

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  Michael Hill
  5

  I met with Bill Holliday late last week to get some quick advice and was pleasantly surprised when he informed me that the initial 1 hour consultation is free. As it turns out, he was able to quickly and easily educate me on my main issue. With that out o the way, we finished up my initial consultation reviewing my 401k. Thank you Bill.

  Response from the owner

  You're welcome Michael. Thank you for the kind review. Bill

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  lee presser
  5

  I have nothing but high praise and respect for this company. You are treated with the same care and concern, whether your investment is large or small. Personal and dependable and available, what more can one hope for? 5 stars and then some....

  Response from the owner

  Thank you Lee - I appreciate your kind review. Bill

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  Kemper Brightman
  5

  Hard to find a financial planner with specific expertise in the sustainability sector. Big thanks to AIO for all the help.