Southern Arizona's Family & Small Business

Wealth Advisor

Compassionate Planning Backed by Experience

From wealth building to estate planning, our comprehensive services are designed to enrich our clients’ lives by helping them pursue financial freedom.

At Underhill Financial Advisors, LLC, we’re dedicated to providing every client with the individualized attention needed to plan and work toward their financial goals.

It’s not enough to have decades of experience under our belts. It’s combining our 20-plus years in the industry with our passion for putting our clients first that drives our business. Our warm and welcoming associates are here to help you safeguard your financial future.

Your Financial Success Is Our Legacy

Clarifying, Simplifying and Creating Confidence

That’s what we’re all about.

We measure our success in the confidence you feel by putting your financial future on track.

Our Vision

Every client should have a clear, cohesive and personalized financial plan. This plan should serve as a roadmap to navigate through life’s transitions while keeping clients on track. It is our goal to make every strategy well-designed, effectively communicated and periodically reviewed for adjustments.

Our Passion

As trusted advisors, we want to make a positive difference in the lives of our clients. Our core value is to always place our client’s needs and interests first. By doing this, we’ve committed to inspiring trust and loyalty in every client we serve.

Our Role

We're committed to using integrity in our planning process as we strive to put our client's needs and interests first. It is our goal to simplify our clients' lives by providing financial confidence that comes from putting your financial future on track.

Give Us a Call

Who We Work Best With

The reality is, everyone can use a little guidance when it comes to their finances. But our professionals are well-equipped to handle the unique financial needs of those including:

Browse Our Services

James Underhill, CFP®, MBA

WEALTH ADVISOR, FOUNDER

Read Bio

Jim Underhill, CFP^®, MBA is the founder and Managing Member of Underhill Financial Advisors, LLC, a full-service wealth management firm based in Tucson, Arizona. The firm works best with successful families, business owners and corporate managers facing significant transition.

Jim is a CERTIFIED FINANCIAL PLANNER Professional^® with over 26 years’ experience managing clients’ portfolios—Underhill Financial Advisors, LLC services clients in 33 states.

Jim has a Mechanical Engineering degree from The University of Missouri and an MBA from the University of Pittsburgh. He is a past Board President of the Southern Arizona Estate Planning Council, a member of the Financial Planning Association, the University of Arizona Foundation’s Planned Giving Professional Advisory Council, and The UofA Personal & Family Financial Planning Advisory Board.

The cornerstone of Jim’s practice is that each client has a personalized financial plan to guide them through life’s transitions. Our planning process simplifies our client’s lives by creating a clear roadmap for their future.

Jim lives in Tucson and has been married to his wife, Suzanne, for 37 years. They have two sons, Jonathan and Jordan.

Jordan Underhill, CFP®, CRPC™

WEALTH ADVISOR, PARTNER

Read Bio

Jordan Underhill, CFP® is a financial advisor with Underhill Financial Advisors, LLC. Jordan’s responsibilities include Private Client Wealth Management, Small Business Retirement Planning, Risk Management, and Family Legacy Planning.
Jordan is a CERTIFIED FINANCIAL PLANNER™ Professional and holds the Chartered Retirement Planning Counselor™ designation, Series 7 and Series 66 Securities Licenses as well as an Arizona Life & Health Insurance License. Jordan is a member of the Southern Arizona Estate Planning Council and he is a Professional Advisory Committee Member of the Community Foundation for Southern Arizona. Jordan obtained his Business Degree from the University of Arizona, Eller College of Management.
Before joining the Firm, he worked for a Fortune 500, managing a Multi-State Region for their Small Business Sales Division.
Jordan lives in Tucson with his wife Casey, and three children, Charlotte, Desirae, and James.

Davis Baker

FINANCIAL PROFESSIONAL

Read Bio

Davis Baker is Underhill Financial Advisors, LLC’s newest Financial Advisor.

Davis brings us 7 years of financial services experience from two large financial institutions, Vanguard and Fidelity. He is a licensed professional holding FINRA Series 6, Series 7, and Series 63 licenses. He has his Bachelor’s degree in Business Economics from the University of Arizona’s Eller College of Management.

Davis was born and raised in Tucson and is engaged to his fiancée, Hannah. They enjoy spending time with their rambunctious Catahoula leopard dog, Jackson. In his spare time, Davis can be found on the golf course or riding his bike on Mt Lemmon.

His responsibilities at Underhill Financial include the following:

Assisting in Financial Research
Providing Trading and Securities Support
Enhancing our Small Business Capabilities
Providing Support for a Select Group of Clients

Please join us in welcoming Davis to the Underhill Financial team!

Elisabeth Russell, FPQP®

DOCUMENT SPECIALIST

Read Bio

Our Document Specialist is Elisabeth Russell. Elisabeth is from Albuquerque, NM, and has an Associate’s Degree in Accounting. In July 2023, she passed the exams to hold the FPQP™ (Financial Paraplanner Qualified Professional) designation. She moved to Tucson in 2015 and has worked as a Document Coordinator for three Jim Click Automotive Dealerships overseeing contracts, warranties, and title documentation.

Elisabeth and her two sons, Damien and Brayden love to play soccer and are all on local teams in Tucson.

Erin Brett

CLIENT ADMINISTRATOR

Read Bio

Erin Brett is our Client Administrator at Underhill Financial. Erin is a native Tucsonan and has a background in residential real estate, office management, and client administration. Prior to joining the firm, Erin worked for a local non-profit organizing animals and children managing their day-to-day operations and grant submittals.

Erin has three daughters, Courtney, Haley, and Brielle, and together they share a passion for fostering animals, volunteering, and local involvement.

Erin's role and responsibilities include:

Managing Client Scheduling and Client Communications
Assisting with Client Online Access
Building Agendas for Client Meetings
Coordinating Client Enrichment Events

Alyson Ainza

STUDENT INTERN

Read Bio

Alyson Ainza is a senior at the University of Arizona, obtaining her Bachelor’s Degree in Personal and Family Financial Planning and graduating in May 2025. Her goal is to break down barriers for financial inclusion and promote greater financial well-being and education for everyone. She also works with the Take Charge America Institute as a Cat Ambassador teaching financial literacy to students, and volunteers at the Community Food Bank. A Tucson local and the youngest of two sisters, Alyson enjoys traveling and is excited to join the Underhill team.

From all of us at Underhill Financial, we wanted to send a heartfelt thank you to all those who were able to attend and walk with us Saturday, October 21 at the Light The Night community outreach event. The turnout, donations, and support for the Leukemia & Lymphoma Society have been overwhelming to us. We are so thankful to be part of a community that stands together to make a difference in the lives of our friends, families, and loved ones.

If you were unable to attend but would still like to donate, the link below will be active through the end of the year. Thank you all for supporting us in the fight to cure cancer and save lives!

Donate Here

Are You Ready to Take Control? We’ll Lead the Way.

Whether you’re the owner of a small business or climbing the corporate ladder,

our advisors have designed a process to help set, implement and pursue your personal and financial goals.

We’ll ensure your level of comfortability is met by offering transparent solutions

centered around trust and understanding.

Code of Ethics
Act in a manner that reflects positivity on the financial planning profession and Certified Financial Planner® certification *
Act in the clients best interest
Exercise due care
Avoid or disclose and manage conflicts of interest
Maintain the confidentiality and protect the privacy of client information
Act in a manner that reflects positivity on the financial planning profession and Certified Financial Planner® certification *

The Underhill Financial Process

Step 1:

Introduction

Before we begin planning, we’ll start by getting to know one another. Help us understand your unique financial needs and goals so we can better prepare our strategies.

Based on our introductory meeting, we’ll research an appropriate set of options for you. During this time we’ll take into account your current financial situation and any goals or expectations outlined previously.

Step 2:

Discovery

Step 3:

Solutions

After we’re confident in the options we’ve found for you, we’ll develop a personalized financial plan designed to help you stay on track and reach your goals.

Once you’re comfortable with the plan we’ve developed, we’ll set your strategy into motion.

Step 4:

Implementation

Step 5:

Ongoing Reviews

We’ll regularly review and update your plan to ensure you’re on track to meet your goals. In addition, we’ll coordinate with your legal and tax advisors as needed.

Let's Get Started

Comprehensive Services

to Help Fulfill Your Financial Goals

We offer several core services:

Retirement Planning

Retirement needs analysis
Social Security (old Age, Survivor, and Disability Insurance, OASDI)
Types of retirement plans
Qualified plan rules and options
Other tax-advantaged retirement plans
Regulatory considerations (RMD’s; Pre-mature withdrawals)
Key factors affecting plan selection for businesses
Investment considerations for retirement plans
Distribution rules, alternatives, and taxation

Characteristics and consequences of property titling
Estate planning documents
Gifting strategies
Incapacity planning
Powers of appointment
Types, features, and taxation of trusts
Charitable transfers
Deferral and minimization of estate taxes
Fiduciaries

Estate Planning

Tax Strategies Planning*

Income tax fundamentals and calculations
Characteristics and income taxation of business entities
Income taxation of trusts and estates
Cost Basis Reporting & Tracking
Tax consequences of the disposition of property
Tax reduction/management techniques
Passive activity and at-risk rules
Tax implications of special circumstances
Charitable contributions and deductions

Characteristics, uses and taxation of investment vehicles
Types of investment risk
Quantitative investment concepts
Measures of investment returns
Asset allocation and portfolio diversification
Accumulation & Distribution
Portfolio development and analysis
Investment Strategies

Investment Planning

Insurance Planning

Principles of risk and insurance
Analysis and evaluation of risk exposures
Health Insurance and health care cost management (individual)
Disability Income Insurance (individual)
Long-term care insurance (individual)
Annuities
Life insurance (individual)
Income taxation of life insurance
Business uses of insurance
Insurance needs analysis

*SPF does not provide tax or legal advice.

Why Choose Our Fee-Based Firm?

We’re an Investment Advisory Firm

We Always Act In Our Client’s Best Interest

We’re an Independent Firm

We Offer Our Client’s Choice With No Conflict of Interest

We’re Fee-Based Advisors

Our Fees Are Transparent & Competitive

We’re Experienced

Our 3 Investment Advisors have over 30 years of combined experience

Sound good? Let’s Get Started Today

Transparency Is the Key to Trust

As a fee-based firm, we want to be honest in what we offer. That’s why we’re open and transparent when it comes to our services and what we charge.

Financial Planning

Core Plan

One-Time-Development Fee* $2,500
Annual Plan Renewal Fee$750

Check all services desired

Core Services

Estate Planning
Cash Flow Management
Investment Analysis
Tax Planning
Retirement Goal Optimization
Life Insurance Planning
Long Term Care Planning
Social Security Analysis
College Funding Analysis

Advanced Plan

One-Time-Development Fee* $5,000
Annual Plan Renewal Fee$1,000

Includes Core Services Plus:

Enhanced Services

Business Transition Planning
Succession Planning
- Key Employee Planning
- Buy/Sell Agreement funding
- 401(k) Plan Design & Management
Stock Options/Awards Planning
Pension Strategies
Legacy Planning
Philanthropic/Charitable Giving Strategies

*One-Time Development Fee subject to change based on services selected.

The financial planning fees described above may increase or decrease depending upon the complexity of your individualized financial plan or the assets upon which your financial plan is based. Financial plans are sold pursuant to a Financial Planning Agreement (FPA) between The AmeriFlex® Group, an Independent Registered Investment Advisor and you, the client, pursuant to the terms and conditions contained therein. Please consult the fee listed on the FPA for the fee applicable to your financial plan. In the event of a discrepancy between the fees listed above and the fee listed on your FPA, the fee listed on your FPA will control.

Resources

2024 Education Series

Estate & Tax Planning

PRESENTED ON Tuesday, January 30, 2024

Presentation by Underhill Financial & AssetMark Inc.

View Presentation

2024 Market Insights by Kezia Samuel

Estate & Tax Planning Panel

Small Business Symposiums

2nd Annual Small Business Symposium

Succession Planning:

"Maximizing Continuity"

PRESENTED ON WEDNESDAY, May 10, 2023

Presentation by Underhill Financial, City National Rochdale, and WealthPoint, LLC. With introduction from Aaron Jones, Regional Consultant, AssetMark Trust Company.

View Presentation

1st Annual Small Business Symposium

Succession Planning:

"Defining Your Legacy"

PRESENTED ON WEDNESDAY, May 10, 2021

Presentation by Underhill Financial and WealthPoint, LLC. With introduction from Aaron Jones, Regional Consultant, AssetMark Trust Company.

View Presentation

'Your Family Matters' Webinar Series

Part 5 of 5: Investments Matter

November 16, 2021

Part 4 of 5: Long Term Care Matters

September 21, 2021

Part 3 of 5: Retirement Matters

May 18, 2021

Part 2 of 5: Tax Matters

March 16, 2021

Part 1 of 5: Estate Matters

January 19, 2021

Market Insights and The Top 10 Tips to Reduce Tax Liability

Presented on Tuesday, October 29th, 2019

A Presentation by Alexandra L. Miller, CPA, PC. With introduction from Faith Chaffee, Vice President and Senior Portfolio Specialist, Savos Investments.

Top 10 Tips to Reduce Tax Liability

Aging with Vitality, Part II

Presented on Tuesday, July 30th, 2019

A Presentation by Ann Marie Chiasson, MD, MPH. With introduction from Brad Wheeler, President, AssetMark Trust Company.

Aging With Vitality, Part II Presentation

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Calculators

Live For Today, Plan For Tomorrow

We’re ready to help families and individuals like you put their financial futures on track. Give us a call or send us a message below to get started today!

Underhill Financial Advisors, LLC

3146 N Swan Rd

Tucson, AZ 85712

Phone: 520-795-2950
Fax: 520-795-2960

Access Your Accounts & Performance

Forms

Important Documents

The following forms allow you to fill in the necessary information from your computer.

Upon completion, please upload to your secure eMoney electronic document storage Vault.
Or, bring a copy to our office in preparation for your upcoming meeting.

Southern Arizona's Family & Small Business

Wealth Advisor

Compassionate Planning Backed by Experience

From wealth building to estate planning, our comprehensive services are designed to enrich our clients’ lives by helping them pursue financial freedom.

At Underhill Financial Advisors, LLC, we’re dedicated to providing every client with the individualized attention needed to plan and work toward their financial goals.

It’s not enough to have decades of experience under our belts. It’s combining our 20-plus years in the industry with our passion for putting our clients first that drives our business. Our warm and welcoming associates are here to help you safeguard your financial future.

Your Financial Success Is Our Legacy

Clarifying, Simplifying and Creating Confidence

That’s what we’re all about.

We measure our success in the confidence you feel by putting your financial future on track.

Our Vision

Our Passion

As trusted advisors, we want to make a positive difference in the lives of our clients. Our core value is to always place our client’s needs and interests first. By doing this, we’ve committed to inspiring trust and loyalty in every client we serve.

Our Role

Give Us a Call

Who We Work Best With

The reality is, everyone can use a little guidance when it comes to their finances. But our professionals are well-equipped to handle the unique financial needs of those including:

Individuals & Families in Transition

Individuals & Families in Transition

Small Business Owners

Small Business Owners

Corporate Executives & Managers

Corporate Executives & Managers

Browse Our Services

Jim Underhill, CFP®, MBA is the founder and Managing Member of Underhill Financial Advisors, LLC, a full-service wealth management firm based in Tucson, Arizona. The firm works best with successful families, business owners and corporate managers facing significant transition.

Jim is a CERTIFIED FINANCIAL PLANNER Professional® with over 26 years’ experience managing clients’ portfolios—Underhill Financial Advisors, LLC services clients in 33 states.

The cornerstone of Jim’s practice is that each client has a personalized financial plan to guide them through life’s transitions. Our planning process simplifies our client’s lives by creating a clear roadmap for their future.

Jim lives in Tucson and has been married to his wife, Suzanne, for 37 years. They have two sons, Jonathan and Jordan.

Davis Baker is Underhill Financial Advisors, LLC’s newest Financial Advisor.

Davis was born and raised in Tucson and is engaged to his fiancée, Hannah. They enjoy spending time with their rambunctious Catahoula leopard dog, Jackson. In his spare time, Davis can be found on the golf course or riding his bike on Mt Lemmon.

His responsibilities at Underhill Financial include the following:

Assisting in Financial Research

Providing Trading and Securities Support

Enhancing our Small Business Capabilities

Providing Support for a Select Group of Clients

Please join us in welcoming Davis to the Underhill Financial team!

Elisabeth and her two sons, Damien and Brayden love to play soccer and are all on local teams in Tucson.

Erin has three daughters, Courtney, Haley, and Brielle, and together they share a passion for fostering animals, volunteering, and local involvement.

Erin's role and responsibilities include:

Managing Client Scheduling and Client Communications

Assisting with Client Online Access

Building Agendas for Client Meetings

Coordinating Client Enrichment Events

If you were unable to attend but would still like to donate, the link below will be active through the end of the year. Thank you all for supporting us in the fight to cure cancer and save lives!

Donate Here

Are You Ready to Take Control? We’ll Lead the Way.

Whether you’re the owner of a small business or climbing the corporate ladder,

our advisors have designed a process to help set, implement and pursue your personal and financial goals.

We’ll ensure your level of comfortability is met by offering transparent solutions

Code of Ethics

The Underhill Financial Process

Step 1:

Introduction

Before we begin planning, we’ll start by getting to know one another. Help us understand your unique financial needs and goals so we can better prepare our strategies.

Based on our introductory meeting, we’ll research an appropriate set of options for you. During this time we’ll take into account your current financial situation and any goals or expectations outlined previously.

Step 2:

Discovery

Step 3:

Solutions

After we’re confident in the options we’ve found for you, we’ll develop a personalized financial plan designed to help you stay on track and reach your goals.

Once you’re comfortable with the plan we’ve developed, we’ll set your strategy into motion.

Step 4:

Implementation

Step 5:

Ongoing Reviews

We’ll regularly review and update your plan to ensure you’re on track to meet your goals. In addition, we’ll coordinate with your legal and tax advisors as needed.

Let's Get Started

Comprehensive Services

to Help Fulfill Your Financial Goals

We offer several core services:

Retirement Planning

Retirement needs analysis

Social Security (old Age, Survivor, and Disability Insurance, OASDI)

Types of retirement plans

Qualified plan rules and options

Other tax-advantaged retirement plans

Regulatory considerations (RMD’s; Pre-mature withdrawals)

Key factors affecting plan selection for businesses

Investment considerations for retirement plans

Distribution rules, alternatives, and taxation

Jim Underhill, CFP^®, MBA is the founder and Managing Member of Underhill Financial Advisors, LLC, a full-service wealth management firm based in Tucson, Arizona. The firm works best with successful families, business owners and corporate managers facing significant transition.

Jim is a CERTIFIED FINANCIAL PLANNER Professional^® with over 26 years’ experience managing clients’ portfolios—Underhill Financial Advisors, LLC services clients in 33 states.