# AIO Financial, LLC

> 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.

- CRD: 114030
- Filed as: AIO FINANCIAL, LLC
- Also doing business as: AIO FINANCIAL, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Tucson, AZ
- Filing period: October 2026
- Form ADV filing dated: February 20, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/114030
- AdvisorCensus page: https://advisorcensus.com/firm/aio-financial-llc-tucson-az-114030

## Quick answers

**How is AIO Financial, LLC compensated?**
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).

**How much does AIO Financial, LLC charge?**
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.

**Where is AIO Financial, LLC located?**
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).

**Is AIO Financial, LLC registered with the SEC or a state?**
AIO Financial, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 114030.

**How much does AIO Financial, LLC manage?**
AIO Financial, LLC reports $199,162,733 in regulatory assets under management in its Form ADV filing dated February 20, 2026 (0% discretionary).

**How have AIO Financial, LLC's assets and staff changed since 2021?**
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.

**What types of clients does AIO Financial, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (149); high net worth individuals (48).

**Which custodians does AIO Financial, LLC use?**
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.

**Does AIO Financial, LLC report any disciplinary disclosures?**
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

**Does AIO Financial, LLC state an account minimum?**
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."

**What changed in AIO Financial, LLC's recent Form ADV filings?**
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.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 20, 2026)

- Account minimum: None

> AIO Financial does not impose a minimum dollar value of assets or other financial criteria as prerequisites to becoming a client of this firm.

- Subscription: $100 to $5,000 a quarter (on-going comprehensive financial planning and monitoring of…)

> 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.

- Flat fee: $200 to $5,000 (Pre-defined consulting service)

> 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 rate: $500 an hour (Hourly consultation)

> 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.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $199,162,733
- Discretionary: $0
- Non-discretionary: $199,162,733

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 149 | $99,123,487 |
| High net worth individuals | 48 | $100,039,246 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2020 (6 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, HI, NV, NY, OR, WA
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(2): 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?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/114030

### Other offices (Schedule D, Section 1.F), as of the March 2026 filing
- Beverly Hills, CA
- Boulder, CO
- Issaquah, WA
- Las Vegas, NV
- Rochester, NY

### Websites listed on Form ADV (Item 1.I)
- aiofinancial.com
- aiofinanzas.com.com
- expatplanners.com
- Facebook @AioFinancial
- Instagram @aiofinancial
- LinkedIn @aio-financial
- X @AIOfinancial
- YouTube @Aiofinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $150,187,365 | 3 | September 7, 2021 |
| October 2022 | $150,509,163 | 3 | February 28, 2022 |
| October 2023 | $144,814,618 | 1 | March 29, 2023 |
| October 2024 | $156,670,000 | 1 | March 8, 2024 |
| October 2025 | $181,932,490 | 3 | January 14, 2025 |
| October 2026 | $199,162,733 | 4 | February 20, 2026 |

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.

## Changes in the filing (last 12 months)

### March 2026
- 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. AIO Financial, LLC (CRD 114030): Form ADV filing data as of October 2026.