Aio Financial, Llc
- Regulatory AUM
- $199M
- Discretionary
- $0
- Clients
- 197
- Avg AUM / client
- $1.0M
- Accounts
- 197
- Employees
- 4
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Feb 20, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 149 | $99.1M | 49.8% |
| High net worth individuals | 48 | $100M | 50.2% |
People (2)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| William Michael Holliday | Owner Cco | CFP | May 2005 (21y) | 75% or more |
| Luis Fernando Sanchez | Registered representative | Jan 2025 (2y) |
Undisclosed: 0% – 25% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 02/20/2026 | 1.07 MB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
Allegations: AIO FINANCIAL AND HOLLIDAY RECOMMENDED INVESTING IN A FIRST POSITION COMMERCIAL MORTGAGE (FPCM) INVESTMENT (WOODBRIDGE FUNDS) FOR THREE ACCREDITED CLIENTS DURING PORTFOLIO REVIEWS CONDUCTED IN AIO FINANCIAL'S TUCSON, ARIZONA OFFICE. PRIOR TO RECOMMENDING THE FPCMS TO THEIR CLIENTS, THE ARIZONA CORPORATION COMMISSION (ACC) DETERMINED THAT AIO FINANCIAL AND HOLLIDAY DID NOT CONDUCT REASONABLE DUE DILIGENCE OF THE WOODBRIDGE FUNDS, WHICH WOULD HAVE UNCOVERED THE RISKS OF THE FPCMS AND THE DETAILS OF THE MASSACHUSETTS CONSENT AND THE TEXAS ORDER. ACCORDING TO THE ACC, BEFORE THEY INVESTED, THE THREE CLIENTS WERE NOT INFORMED OF THE MASSACHUSETTS CONSENT OR THE TEXAS ORDER. NOR WERE THEY INFORMED OF THE RISKS OF THE FPCMS. WOODBRIDGE FUNDS PAID THE THREE CLIENTS THE AGREED UPON INTEREST AND INVESTMENTS IN FULL. AIO FINANCIAL AND HOLLIDAY DID NOT RECEIVE ANY COMPENSATION FROM WOODBRIDGE FUNDS. Status: Final Sanction Detail: $3,000 FINE Summary: THREE ACCREDITED CLIENTS OF AIO FINANCIAL CHOSE TO INVEST IN A ONE-YEAR FIRST POSITION COMMERCIAL MORTGAGE INVESTMENT. THE INVESTMENT AMOUNTS WERE LESS THAN 2% OF EACH CLIENT'S PORTFOLIO. AIO FINANCIAL DID NOT RECEIVED ANY COMPENSATION FROM THE INVESTMENT. AS FEE ONLY FINANCIAL ADVISORS, AIO FINANCIAL DOES NOT RECEIVE ANY COMPENSATION FROM ANY INVESTMENT. BASED ON THE ACC'S INTERVIEWS OF THE 3 ACCREDITED CLIENTS, THEY DETERMINED THAT THERE WAS NOT SUFFICIENT DISCLOSURE OF AN INVESTMENT. AIO FINANCIAL PAID THE $3,000 FINE.
Disclosure text reproduced verbatim from the firm's own Form ADV filings.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Selection of other advisers
Custody
Reported custodians
- Charles Schwab & Co. $199M (100% of AUM) Feb 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Feb 20, 2026.
View current Form ADV (SEC/IAPD) ↗