Top Financial Advisors in Arizona

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TCI Wealth Advisors in Tucson is a fee-only firm in Tucson that works with both non-high-net-worth and high-net-worth individuals. It also does business with pension plans, charitable organizations and corporations.

Rather than call for a specific initial investment, TCI charges a $1,000 minimum annual fee for investment advisory services and a $2,500 minimum annual fee for its ASPIRE offering for young professionals. For this reason, potential clients will want to make sure they have enough invested to justify these fees.

TCI provides wealth management and investing services in addition to pension management advising services.

Advisors at TCI Wealth Advisors tailor their approach to each client’s needs and preferences. The biggest factors they take into account are risk tolerance, time horizon and desired rate of return. They then schedule regular meetings with clients to keep everyone on the same page regarding the investment plan.

Common investments used in client portfolios include stocks, bonds and mutual funds. The firm does use short-term investments under certain circumstances, but it typically relies on two main principles: diversification and remaining invested.

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TFO Family Office Partners is a fee-only firm in Phoenix with services geared toward non-high-net-worth and high-net-worth individuals, as well as charities.

The firm generally requires a $50,000 annual minimum fee for wealth management and full service clients, but may waive it for certain situations, such as legacy clients, referrals, or those likely to meet the minimum later.

In order to best serve its clients, TFO looks to provide a holistic set of financial planning and investment management offerings. Clients can use wealth planning, investment advisory, family milestone planning, tax consulting, estate planning, gift planning, philanthropic planning, family governance and more.

Rather than attempting to outperform others in the highly competitive market, TFO focuses on creating tailored strategies based on each client’s goals, current assets and risk tolerance.

Diversification is central to the firm's strategy, ensuring that client portfolios include a wide range of asset classes and securities to minimize reliance on market forecasts.

Additionally, TFO aims to manage fees and taxes to enhance overall wealth accumulation. Finally, they maintain a disciplined approach, regularly rebalancing portfolios to align with client objectives, despite market fluctuations.

TFO primarily invests in no-load mutual funds, ETFs and managed accounts.

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Public Safety Financial/Galloway is a fee-based firm located in Mesa. The firm is fairly unique in that its services are based entirely around providing "retirement planning and financial solutions for Police, Fire, Government Employees, their families and friends," according to the firm's website.

Almost all of the firm's clients are non-high-net-worth individuals, with a some high-net-worth individuals rounding it out.

There is no specific account minimum for new clients, but the firm recommends investing at least $100,000 in the Venture portfolio strategy, $50,000 in the All Inclusive offering and $50,000 in the ETF Active and ETF Passive strategies.

Insurance products and securities can be sold by certain on-staff advisors here for commissions. This creates a potential conflict of interest, though the firm's fiduciary duty still requires it to act in clients' best interests.

Investment management and asset allocation services are available at this firm. Various types of financial planning, like retirement planning and pension maximization, are also available.

While PSF/Galloway often builds a custom portfolio for each client, it may also recommend a model portfolio with a predecided asset allocation. Should your advisor go with the latter, a model portfolio that still meets your needs will be chosen.

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Strategic Equity Management, Inc, which does business as SEM Wealth Management, is a fee-based firm located in Tucson. It serves both non-high-net-worth and high-net-worth individuals, as well as charities, other investment advisors and businesses.

SEM imposes a minimum account size of $50,000, which can be waived at its discretion.

The firm says in its brochure that it offers access to insurance products through DPL Financial Partners, but clients are not required to use DPL and can work with any licensed agent. While this can represent a conflict of interest, SEM is legally required to act as a fiduciary.

SEM offers discretionary investment management, or asset management, services through three main program types:

Tactical Programs use technical analysis and daily monitoring of market prices to apply mechanical investment models based on global market changes. These models are often proprietary to SEM and developed through extensive computer back-testing.

Dynamic Programs rely on economic models and monthly monitoring of allocations, adjusting based on global economic indicators. They invest more aggressively during periods of rising economic growth and take a defensive approach when growth slows.

Strategic Programs combine strategic and dynamic models with quarterly monitoring. These programs often use Vanguard and American Funds, and some are offered under the trademarked AMERIGUARD name.

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Total Investment Management is a fee-based firm in Scottsdale that caters to aviation professionals. The firm works mostly with non-high-net-worth individuals, but it also does business with high-net-worth individuals and corporations.

There is no minimum investment required, but there is a minimum fee of $600. For this reason, potential clients will want to make sure they can invest enough to make this fee worthwhile.

Certain advisors at this firm can receive commissions for insurance sales made with clients. While this presents a potential conflict of interest, the firm's fiduciary duty requires its advisors to act in clients' best interests, no matter what.

The firm offers three asset management programs: TIM Basic, TIM Portfolio and TIM Premier. Each provides access to proprietary model portfolios.

Portfolios are managed using a blend of strategic and tactical asset allocation, starting with a mix based on the client’s risk tolerance, age, and goals, and adjusting as market conditions change.

Asset classes may include small-cap, mid-cap, and large-cap stocks, international equities, and bonds, with mutual funds and ETFs as the primary holdings, and additional securities available to TIM Premier clients.

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Ironwood Investment Counsel is a fee-only financial advisor based in Scottsdale that works primarily with individuals and high-net-worth individuals, but also serves pension and profit-sharing plans, business entities, charitable organizations and other investment advisors.

Ironwood Investment Counsel generally requires a minimum investment of $500,000, although this threshold may be adjusted at the firm's discretion.

The firm charges an annual investment advisory fee based on the market value and type of assets under management. Additionally, it may levy separate fees for handling special projects or other matters.

As a fee-only practice, Ironwood Investment Counsel advisors do not receive additional compensation for recommending financial products and services to advisory clients. This means the firm is subject to fewer potential conflicts of interest than a fee-based firm that employs insurance agents and/or registered representatives of broker-dealers.

Ironwood Investment Counsel offers a comprehensive suite of services tailored to meet the individual financial needs of its clients. These include investment advice, pension and retirement plan consulting, as well as participant education for retirement plan accounts.

The firm’s approach to investing includes long-term purchases where securities are held for at least a year, short-term purchases with securities sold within a year, and trading activities involving securities sold within 30 days.

Ironwood Investment Counsel typically invests in individual equity securities, fixed-income securities and mutual funds. The firm also may tap independent investment managers or sub-advisors to manage a portion of client assets.

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Galvin, Gaustad & Stein is a Scottsdale-based, fee-only firm that works mostly with non-high-net-worth and high-net-worth individuals, as well as pension and profit-sharing plans, and corporations.

There is an account minimum of $500,000.

In addition to investment advisory services, the firm also offers retirement plan analysis and the following financial planning services:

• Business planning
• Cash flow forecasting
• Asset allocation
• Retirement planning
• Estate planning
• Financial reporting
• Investment consulting
• Insurance needs analysis
• Charitable giving
• Risk management
• Distribution planning

Galvin, Gaustad & Stein uses a proprietary investment strategy that's rooted in fundamental analysis to guide its security selection process.

For equities, the firm uses a three-step methodology: a stock screening process that identifies stocks with metrics like low volatility, consistent dividend growth and strong profitability; a company-specific discounted cash flow model to estimate fair value based on future cash flows; and an in-depth qualitative analysis focusing on competitive advantages, management quality and potential red flags.

For bonds, Galvin, Gaustad & Stein emphasizes investment-grade corporate debt, evaluating issuers' financial health, debt levels and repayment ability. The firm seeks to maximize yield while managing interest rate and credit risks.

In selecting mutual funds and ETFs, Galvin, Gaustad & Stein analyzes expense ratios, performance, management teams and liquidity. The firm tailors its strategies to each client’s unique risk profile and objectives, ensuring that portfolio selections align with individual financial goals.

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Balboa Wealth Partners, Inc, which does business as SEM Wealth Management, is a fee-based firm located in Scottsdale. It serves both non-high-net-worth and high-net-worth individuals, pension and profit sharing plans, charities and businesses.

The firm typically requires a minimum account balance of $250,000 for comprehensive portfolio management or asset management services, which is generally non-negotiable and must be maintained throughout the client relationship.

Written financial plans generally have a minimum fee of $750.

As ra fee-based firm, advisory persons at the firm may earn commissions on recommended transactions, but clients are not required to act on these recommendations. While this can represent a conflict of interest,  Balboa is legally required to act as a fiduciary.

According to its brochure, Balboa provides investment advisory services to individuals, trusts, estates, charitable organizations, businesses and retirement plans.

Services include comprehensive portfolio management and asset management, offered on a discretionary or non-discretionary basis. Portfolios may use mutual funds, ETFs, stocks, bonds, options, and in some cases, existing client holdings.