{
  "crd_number": 114030,
  "slug": "aio-financial-llc-tucson-az-114030",
  "primary_business_name": "AIO FINANCIAL, LLC",
  "legal_name": "AIO FINANCIAL, LLC",
  "dbas": [
    "AIO FINANCIAL, LLC"
  ],
  "city": "Tucson",
  "state": "AZ",
  "country": "United States",
  "cbsa_code": "46060",
  "metro": {
    "cbsa_code": "46060",
    "common_name": "Tucson",
    "msa_name": "Tucson, AZ",
    "path": "/advisors/az/tucson"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2020-02-21",
  "years_registered": 6,
  "period": "2026-10-01",
  "filing_date": "2026-02-20",
  "carried_forward": false,
  "raum_total": 199162733.0,
  "raum_discretionary": 0.0,
  "raum_non_discretionary": 199162733.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 4,
  "advisory_employees": 2,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 99123487.0,
      "count": 149
    },
    "high_net_worth_individuals": {
      "raum": 100039246.0,
      "count": 48
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 1,
  "states_registered": [
    "AZ",
    "CA",
    "CO",
    "HI",
    "NV",
    "NY",
    "OR",
    "WA"
  ],
  "websites": [
    "https://aiofinancial.com",
    "https://aiofinanzas.com.com",
    "https://expatplanners.com",
    "https://facebook.com/AioFinancial",
    "https://instagram.com/aiofinancial",
    "https://linkedin.com/company/aio-financial",
    "https://x.com/AIOfinancial",
    "https://youtube.com/@Aiofinancial"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/114030",
  "disclosure_items": [
    {
      "item": "11.D(2)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?"
    }
  ],
  "city_as_filed": "TUCSON",
  "url": "https://advisorcensus.com/firm/aio-financial-llc-tucson-az-114030",
  "display_name": "AIO Financial, LLC",
  "summary": "AIO Financial, LLC is an SEC-registered investment advisory firm in Tucson, AZ, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 20, 2026.",
  "citation": "AdvisorCensus. AIO Financial, LLC (CRD 114030): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Selection of other advisers (including private fund managers)"
  ],
  "quick_answers": [
    {
      "q": "How is AIO Financial, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), AIO Financial, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does AIO Financial, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated February 20, 2026 states: Subscription: $100 to $5,000 a quarter (on-going comprehensive financial planning and monitoring of…); Flat fee: $200 to $5,000 (Pre-defined consulting service); Hourly rate: $500 an hour (Hourly consultation). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is AIO Financial, LLC located?",
      "a": "AIO Financial, LLC's principal office is in Tucson, AZ, according to its Form ADV; the March 2026 filing also lists 5 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is AIO Financial, LLC registered with the SEC or a state?",
      "a": "AIO Financial, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 114030."
    },
    {
      "q": "How much does AIO Financial, LLC manage?",
      "a": "AIO Financial, LLC reports $199,162,733 in regulatory assets under management in its Form ADV filing dated February 20, 2026 (0% discretionary)."
    },
    {
      "q": "How have AIO Financial, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for AIO Financial, LLC: Regulatory assets under management: $150,187,365 in the October 2021 data and $199,162,733 in the October 2026 data, up 33%. Total employees: 3 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does AIO Financial, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (149); high net worth individuals (48)."
    },
    {
      "q": "Which custodians does AIO Financial, LLC use?",
      "a": "AIO Financial, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does AIO Financial, LLC report any disciplinary disclosures?",
      "a": "Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/114030"
    },
    {
      "q": "Does AIO Financial, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated February 20, 2026 says: \"AIO Financial does not impose a minimum dollar value of assets or other financial criteria as prerequisites to becoming a client of this firm.\""
    },
    {
      "q": "What changed in AIO Financial, LLC's recent Form ADV filings?",
      "a": "In the March 2026 filing data: Employees performing advisory functions went from 3 to 2. Added an office in Rochester, NY. No longer lists an office in Lake Oswego, OR. Registered or notice-filed in NY."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 150187365.0,
      "total_employees": 3,
      "filing_date": "2021-09-07"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 150509163.0,
      "total_employees": 3,
      "filing_date": "2022-02-28"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 144814618.0,
      "total_employees": 1,
      "filing_date": "2023-03-29"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 156670000.0,
      "total_employees": 1,
      "filing_date": "2024-03-08"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 181932490.0,
      "total_employees": 3,
      "filing_date": "2025-01-14"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 199162733.0,
      "total_employees": 4,
      "filing_date": "2026-02-20"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Employees performing advisory functions went from 3 to 2.",
        "Added an office in Rochester, NY.",
        "No longer lists an office in Lake Oswego, OR.",
        "Registered or notice-filed in NY."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 20, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Subscription: $100 to $5,000 a quarter (on-going comprehensive financial planning and monitoring of…)",
      "Flat fee: $200 to $5,000 (Pre-defined consulting service)",
      "Hourly rate: $500 an hour (Hourly consultation)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "AIO Financial does not impose a minimum dollar value of assets or other financial criteria as prerequisites to becoming a client of this firm."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $100 to $5,000 a quarter (on-going comprehensive financial planning and monitoring of…)"
        ],
        "quotes": [
          "We charge a fixed annual fee based on total investment assets (securities accounts, investment real estate), income and complexity. This fee is paid in arrears, on a quarterly or monthly basis and ranges from $100 to $5,000 per quarter."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $200 to $5,000 (Pre-defined consulting service)"
        ],
        "quotes": [
          "We charge a fixed one-time fee based on the number of hours needed to complete the requested service and the complexity of the task. This fee is paid in advance and ranges from $200 to $5,000."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $500 an hour (Hourly consultation)"
        ],
        "quotes": [
          "Hourly consultation is available to individuals wishing to begin a systematic approach to financial and life planning, or individuals requiring segmented financial overviews (review of component parts of financial planning such as retirement planning) or segmented implementation. An hourly rate up to $500/hour is charged."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "subscription",
          "amount": null,
          "min": 100.0,
          "max": 5000.0,
          "period": "quarterly",
          "service": "on-going comprehensive financial planning and monitoring of investment assets"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 200.0,
          "max": 5000.0,
          "period": "one_time",
          "service": "Pre-defined consulting service"
        },
        {
          "kind": "hourly",
          "amount": 500.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Hourly consultation"
        }
      ]
    },
    "quotes": [
      "AIO Financial does not impose a minimum dollar value of assets or other financial criteria as prerequisites to becoming a client of this firm.",
      "We charge a fixed annual fee based on total investment assets (securities accounts, investment real estate), income and complexity. This fee is paid in arrears, on a quarterly or monthly basis and ranges from $100 to $5,000 per quarter.",
      "We charge a fixed one-time fee based on the number of hours needed to complete the requested service and the complexity of the task. This fee is paid in advance and ranges from $200 to $5,000.",
      "Hourly consultation is available to individuals wishing to begin a systematic approach to financial and life planning, or individuals requiring segmented financial overviews (review of component parts of financial planning such as retirement planning) or segmented implementation. An hourly rate up to $500/hour is charged."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/aio-financial-llc-tucson-az-114030.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 149,
      "fewer_than_5": false,
      "raum": 99123487.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 48,
      "fewer_than_5": false,
      "raum": 100039246.0
    }
  ],
  "disclosure_line": "Reports 1 disclosure item on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/114030",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}