AIO Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
AIO Financial provides personalized, fee‑only financial planning and investment advice to individuals, families, trusts, estates, and small businesses, working with both high‑net‑worth and non‑HNW clients. The firm reports it does not accept commissions, does not sell financial products, and does not act as custodian of client assets.
The firm integrates investment advice into a broader financial planning process and emphasizes diversified, functional asset allocation across equities, fixed income, and real estate, with ESG ETF options available when appropriate. AIO Financial operates primarily on a non‑discretionary basis—clients retain final authority over transactions and the firm implements trades only with client authorization or a limited power of attorney.
Distinctive for a three‑advisor practice, AIO Financial maintains six offices and uses multiple public advertising channels and websites alongside client referrals. The brochure discloses a past regulatory finding related to recommendations of certain private commercial mortgage investments and describes subsequent limits on those product types and a shift to investments that can be held at the firm’s recommended custodian.
Client services
Expertise
Fee options
Fixed retainer fees range from $200 to $5,000 (one-time); Annual retainer fees from $100 to $5,000 per quarter
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.70% $1,000,001 - $2,000,000: 0.50% $2,000,001 - $12,000,000: 0.30% $12,000,001+: negotiated
Up to $500 per hour
Minimum fee: Minimum annual fee of $3,000 (or $750 per quarter) Fee-only: Fee-only financial planning firm; no commissions accepted
Main office
2531 E Richards Pl
Tucson AZ 85716
Advisors at this office
2
Most active in
Arizona · California · Colorado · Hawaii · Nevada · New York · Oregon · Washington
Also doing business as
Aio Financial, LLC · Ffa Financial · Financial Freedom Associates · Sylvia L. Matteson · Sylvia Lucile Matteson
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
Quick links
Advisors at this firm
William H
CFP®, Series 65
Tucson, AZ
AIO Financial, LLC
William Holliday is a CFP® and holds a Series 65 license with 20 years of industry experience. He has been with AIO Financial, LLC since 2004. Outside of his advisory role, he serves as a volunteer director for Promex Group, a nonprofit supporting charitable projects in Mexico. AIO Financial provides personalized, fee-only financial planning and investment advice to individuals, families, trusts, estates, and small businesses, serving both high-net-worth and non-HNW clients. The firm emphasizes diversified, functional asset allocation and operates primarily on a non-discretionary basis, implementing trades only with client authorization.
Luis S
Series 65
Tucson, AZ
AIO Financial, LLC
Luis Sanchez is a financial advisor at AIO Financial, LLC in Tucson, AZ, holding a Series 65 designation with one year of industry experience. Prior to joining AIO Financial in 2023, he was affiliated with Leones Karate Team from 2020 to 2023 and the University of Sonora from 2015 to 2020. AIO Financial provides personalized, fee-only financial planning and investment advice to individuals, families, trusts, estates, and small businesses. The firm emphasizes diversified, functional asset allocation and operates primarily on a non-discretionary basis, serving both high-net-worth and non-HNW clients without accepting commissions or selling financial products.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)