B1B Financial Solutions
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
B1B Financial Solutions provides investment management and comprehensive financial planning to individual and high-net-worth clients. The firm manages tailored, discretionary portfolios and offers planning across retirement, estate, tax, business planning, cash flow, insurance, and college-savings topics.
The firm’s investment approach emphasizes passive, long-term portfolios built on Modern Portfolio Theory using index mutual funds and ETFs to seek low internal costs and tax efficiency. It also supplements that passive framework with fundamental, technical and cyclical analysis and manager due diligence, and implements trades on an individual-account basis rather than through aggregated block trading.
Notable aspects for a small, state-registered advisory firm include a two-advisor team that includes a CFP-trained planner, a formal Code of Ethics aligned with CFP Board standards, and the production of written financial plans for planning clients. The firm discloses no related-party conflicts, does not accept performance-based fees, relies on an institutional custody platform for execution and support, and provides custodial statements and trade confirmations rather than separate written portfolio reports from the adviser.
Client services
Expertise
Fee options
$0 - $500,000: 0.85% $500,001 - $1,000,000: 0.75% $1,000,001 - $3,000,000: 0.65% $3,000,001 - $6,000,000: 0.55% $6,000,001 - $10,000,000: 0.45% $10,000,001 - Above: 0.40%
$300 to $500 per hour, negotiable based on complexity
Main office
Nixa MO
Advisors at this office
2
Most active in
Missouri
Also doing business as
B1 B Financial Solutions · B1 B Financial Solutions LLC
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Lance O
Series 66
Nixa, MO
B1B Financial Solutions
Lance O'Neill is a financial advisor at B1B Financial Solutions with 13 years of industry experience. He holds a Series 66 designation and has worked at B1B Financial Solutions since 2019, following seven years at Heim, Young & Associates, Inc. B1B Financial Solutions provides investment management and comprehensive financial planning to individual and high-net-worth clients. The firm emphasizes passive, long-term portfolios based on Modern Portfolio Theory, supplemented by fundamental and technical analysis, and manages tailored discretionary accounts across a range of financial planning areas.
Dean Y
CFP®, Series 63
Nixa, MO
B1B Financial Solutions
Dean Young is a CFP® certificant with over 40 years of experience in the financial industry. He currently serves at B1B Financial Solutions and has held prior roles at Mercer Global Advisors, Heim, Young & Associates, and HYA Financial Corp. His career spans various advisory capacities since 1989. B1B Financial Solutions offers investment management and comprehensive financial planning to individual and high-net-worth clients. The firm emphasizes passive, long-term portfolios grounded in Modern Portfolio Theory, supplemented by fundamental and technical analysis, and provides tailored discretionary portfolio management.
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