Advisory Business Firm Description AIO Financial, LLC is a Limited Liability Corporation referred to in the brochure as AIO Financial. William M Holliday is the sole owner. The Firm was established in 2004. AIO Financial provides personalized confidential financial planning and investment advice to individuals, trusts, estates, and small businesses. Advice is provided through consultation with the client and may include determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment recommendations, education funding, retirement planning, and estate planning. AIO Financial is strictly a Fee-Only financial planning firm and a licensed investment advisory firm registered with the SEC. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No referral fees are paid or accepted. No benefits are received from custodians/broker-dealers based on client securities transactions. Investment advice is an integral part of financial planning. AIO Financial advises clients on how they can best manage the investments/resources they have to support and meet personal needs, life goals, and long- term objectives. Investment advice with regards to securities is provided, with the client making the final decision on all transactions. AIO Financial does not act as a custodian of client assets. The client always maintains asset control. This firm does not exercise discretionary authority with client assets. AIO Financial places trades for clients who choose to grant us authorization to trade under a limited power of attorney. The client must authorize all trades that this firm places. We may recommend other professionals (e.g., lawyers, accountants, insurance agents, etc.) at the request of the client. Other professionals are engaged directly by the client on an as-needed basis even when recommended by this firm. Conflicts of interest shall be disclosed to the client in the unlikely event they should occur. Assets Under Management: Our firm manages $0 on a discretionary basis and $156,670,000 on a non-discretionary basis as of December 31st, 2023. Types of Advisory Services The primary type of advisory service offered by AIO Financial is financial planning. We believe that managing investments is an integral component of personal financial planning. Therefore, this firm provides investment advice on securities and other investments as part of an on-going financial planning relationship. The firm may also provide financial planning services through short-term consultations

if that is better suited to the client's needs and resources. This firm provides a range of financial planning services which may include:
• Cash flow, Debt Management, Budgeting
• Managing Investments
• Retirement Planning
• Investment Research and Analysis
• Tax Planning
• Estate Planning AIO Financial, LLC Page 6
• Risk Management (Insurance review)
• Planning for Special Situations We believe that the financial planning process is best suited to helping clients achieve their personal and financial goals. The process involves:
• identifying with clients, their specific goals and objectives
• understanding client values and risk tolerance
• carefully analyzing current personal and financial resources
• mapping out a course of action with clients that is tailored to their unique situation and one that is most likely to be successful
• assisting in setting this plan into motion
• monitoring it closely with the client for best outcomes Our goal is to provide clients the most current information, analysis, research, strategies, and solutions to guide them in making financial decisions. Securities that AIO Financial does not advise on include option contracts (puts/ uncovered calls), futures contracts, or hedge funds. This Firm primarily advises on exchange listed securities such as mutual funds, exchange traded funds, individual stocks, individual debt securities (municipal, corporate and Treasury bonds), and certificates of deposit. Tailored Relationships At AIO Financial, advisory services are tailored to the individual needs of clients. Client goals and objectives are clarified at meetings and via correspondence and are used to determine the course of action for each individual client. Investment policy statements are created that reflect the stated goals and objectives as well as other parameters to guide investment decisions. Clients may impose restrictions on investing in certain securities or types of securities. Agreements are not assigned without client consent. Types of Agreements The following agreements define the typical client relationships. 1. Assets under Management 2. Fixed Retainer: One Time Meeting 3. Annual Retainer: Comprehensive Financial Planning 4. Hourly Consultation Office Locations & Virtual Meetings AIO Financial has clients throughout the US. AIO Financial advisors meet with many clients virtually using meeting software. AIO Financial advisors travel to meet clients in our offices, their homes, or an agreed upon locations. AIO Financial meets clients in offices that they rent in 6 cities in 6 states. The office addresses and local phone numbers are listed below: AIO Financial, LLC Page 7