AIO Fee Only Financial Advisors N Oracle Rd, Tucson

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]

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

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™

Thank you Lee - I appreciate your kind review. Bill

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

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

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™

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