{"url":"https://nivawealth.com/firms/aio-financial-114030","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/114030","regulatoryAum":199162733,"crd":"114030","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4930333","suffix":null,"lastName":"HOLLIDAY","firstName":"WILLIAM","middleName":"MICHAEL"},{"crd":"8030091","suffix":null,"lastName":"SANCHEZ","firstName":"LUIS","middleName":"FERNANDO"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-06-10","regulatoryAum":120000000,"clients":200,"employees":3,"offices":16},{"filedOn":"2022-02-28","regulatoryAum":150509163,"clients":155,"employees":3,"offices":6},{"filedOn":"2023-03-29","regulatoryAum":144814618,"clients":186,"employees":1,"offices":6},{"filedOn":"2024-03-08","regulatoryAum":156670000,"clients":181,"employees":1,"offices":6},{"filedOn":"2025-01-14","regulatoryAum":181932490,"clients":185,"employees":3,"offices":6},{"filedOn":"2026-02-20","regulatoryAum":199162733,"clients":197,"employees":4,"offices":6}],"secFileNumber":"801-118105","legalName":"Aio Financial, LLC","displayName":"AIO Financial","slug":"aio-financial-114030","website":"https://expatplanners.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/aio-financial/","xUrl":"http://www.x.com/AIOfinancial","founded":null,"organization":"Arizona limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2531 E Richards PL","city":"Tucson","state":"AZ","stateName":"Arizona","country":"United States","postalCode":"85716"},"tradeNames":["Aio Financial, LLC"],"registration":{"secApproved":"21 February 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1010978.3401015229,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":199162733,"discretionary":0,"discretionaryAccounts":0,"nonDiscretionary":199162733,"nonDiscretionaryAccounts":197,"wrapProgram":null,"nonUsClientsPct":3,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":149,"regulatoryAum":99123487},{"label":"High-net-worth individuals","clients":48,"regulatoryAum":100039246}],"feePrograms":[{"role":"main","program":"Assets Under Management (AUM) fee","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010743","versionId":1010743,"ratePeriod":"not_stated","fee_billing":"arrears","submittedOn":"2026-02-20","documentName":"AIO ADV PART 2A","fee_rate_low":0.3,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":3000},{"role":"other","program":"Annual retainer","summary":"Ongoing financial planning and monitoring is charged an annual retainer ranging from $100 to $5,000 per quarter, paid in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010743","versionId":1010743,"submittedOn":"2026-02-20","documentName":"AIO ADV PART 2A"},{"role":"other","program":"Fixed retainer","summary":"A fixed one-time fee for a pre-defined consulting service ranges from $200 to $5,000, paid in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010743","versionId":1010743,"submittedOn":"2026-02-20","documentName":"AIO ADV PART 2A"},{"role":"other","program":"Hourly consultation","summary":"Hourly consultation is charged at an hourly rate of up to $500 an hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010743","versionId":1010743,"submittedOn":"2026-02-20","documentName":"AIO ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:17:31.651957+00:00","documents":[{"name":"AIO ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010743","versionId":1010743,"submittedOn":"2026-02-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":199162733}],"custodyNote":"AIO Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"William Holliday","title":"Owner CCO","crd":"4930333"}],"ownership":[{"label":"William Holliday","detail":"Owner cco in the 75% or more ownership band and a control person, since May 2005."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":5,"privateResidences":0},"listedOfficeAddresses":6,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":1,"addresses":[{"street":"2531 E Richards PL","city":"Tucson","headquarters":true}]},{"state":"California","offices":1,"addresses":[{"street":"433 N. Camden Drive, 6th Floor","city":"Beverly Hills"}]},{"state":"Colorado","offices":1,"addresses":[{"street":"4845 Pearl East Circle","city":"Boulder"}]},{"state":"Nevada","offices":1,"addresses":[{"street":"1810 E Sahara Ave. #591","city":"Las Vegas"}]},{"state":"New York","offices":1,"addresses":[{"street":"140-A Metro Park","city":"Rochester"}]},{"state":"Washington","offices":1,"addresses":[{"street":"22525 Se 64th PL, Suite 2327","city":"Issaquah"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"520-325-0769","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":6},{"label":"Investment grade corporate bonds","percent":31},{"label":"Securities issued by registered investment companies or business development companies","percent":63}],"privateFunds":0},"sources":{"adv1FilingDate":"20 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/114030/PDF/114030.pdf","brochureDate":"20 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010743","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does AIO Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does AIO Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does AIO Financial charge?","answer":"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.","source":"AIO ADV PART 2A, filed 20 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does AIO Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does AIO Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does AIO Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns AIO Financial?","answer":"AIO Financial’s direct owner is William Holliday (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 20 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does AIO Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact AIO Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 20 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}