AIO Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 101–250 clients last fiscal year.
AIO Financial reports 197 clients. They include 149 individual clients and 48 high-net-worth individuals. Of its assets, 0.0% ($0 across 0 accounts) are managed with discretion; $199M across 197 accounts are not. Of its clients, 3% are outside the U.S. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 76% | 50% |
| High-net-worth individuals | 24% | 50% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 149 | $99.1M | 49.8% | $665K |
| High-net-worth individuals | 48 | $100M | 50.2% | $2.08M |
| Total | 197 | $199M | 100% | $1.01M |
- Clients
- 149
- Regulatory AUM
- $99.1M
- AUM share
- 49.8%
- Avg. per client
- $665K
- Clients
- 48
- Regulatory AUM
- $100M
- AUM share
- 50.2%
- Avg. per client
- $2.08M
Total
- Clients
- 197
- Regulatory AUM
- $199M
- AUM share
- 100%
- Avg. per client
- $1.01M
- Clients outside the U.S.
- 3%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
AIO Financial charges 0.30%–1.00% for its Assets Under Management (AUM) fee. The brochure does not state whether the rate is annual. The fee is billed in arrears, is negotiable and has a $3,000 annual minimum. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Annual retainer
- Ongoing financial planning and monitoring is charged an annual retainer ranging from $100 to $5,000 per quarter, paid in arrears.
- Fixed retainer
- A fixed one-time fee for a pre-defined consulting service ranges from $200 to $5,000, paid in advance.
- Hourly consultation
- Hourly consultation is charged at an hourly rate of up to $500 an hour.
William Holliday owns 75% or more of AIO Financial. It has 4 employees, 2 of them in advisory roles.
Leadership
- William HollidayOwner CCO
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Aio Financial, LLC
William Holliday
Control person · since May 2005
AIO Financial’s regulatory assets grew 1.7× from $120M (June 2021) to $199M (February 2026); clients were 197 in both filings and employees rose from 3 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $199M | 197 | 4 | 6 |
| January 2025 | $182M | 185 | 3 | 6 |
| March 2024 | $157M | 181 | 1 | 6 |
| March 2023 | $145M | 186 | 1 | 6 |
| February 2022 | $151M | 155 | 3 | 6 |
| June 2021 | $120M | 200 | 3 | 16 |
Besides its headquarters, AIO Financial has 5 offices, with 6 listed addresses across 6 states.
Arizona · 1 listed address
- 2531 E Richards PL, TucsonHQ
California · 1 listed address
- 433 N. Camden Drive, 6th Floor, Beverly Hills
Colorado · 1 listed address
- 4845 Pearl East Circle, Boulder
Nevada · 1 listed address
- 1810 E Sahara Ave. #591, Las Vegas
New York · 1 listed address
- 140-A Metro Park, Rochester
Washington · 1 listed address
- 22525 Se 64th PL, Suite 2327, Issaquah
Other business names
AIO Financial has reported 1 other business name to the SEC.
- Aio Financial, LLC
Contact and registration details
- Legal name
- Aio Financial, LLC
- Headquarters
- 2531 E Richards PL, Tucson, AZ 85716
- Website
- expatplanners.com
- Phone
- 520-325-0769
- @aio-financial
- SEC file
- 801-118105
- Structure
- Arizona LLC
- Fiscal year end
- December
AIO Financial uses Charles Schwab ($199M) as custodian for its separately managed accounts. AIO Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $199M100%
At year end, AIO Financial’s separately managed accounts were mostly in funds (63%) and bonds (31%).
What the accounts hold
- Stocks6%
- Funds63%
- Bonds31%
How many clients does AIO Financial have?
AIO Financial has 197 clients and manages $199 million for them, as of February 2026. They include 149 individual clients and 48 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 February 2026
What services does AIO Financial offer?
AIO Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does AIO Financial charge?
AIO Financial charges 0.30%–1.00% for its Assets Under Management (AUM) fee. The brochure does not state whether the rate is annual. The fee is billed in arrears, is negotiable and has a $3,000 annual minimum.
Which custodians does AIO Financial use?
AIO Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $199M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 February 2026
How many financial advisors does AIO Financial have?
AIO Financial has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does AIO Financial invest in?
At the end of its last fiscal year, AIO Financial’s separately managed accounts held 63% registered funds (mutual funds, ETFs, BDCs), 31% investment grade corporate bonds and 6% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns AIO Financial?
AIO Financial’s direct owner is William Holliday (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 20 February 2026
How does AIO Financial get paid?
AIO Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact AIO Financial?
AIO Financial’s main office is at 2531 E Richards PL, Tucson, AZ 85716. Its phone number is 520-325-0769. Its website is expatplanners.com.