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Guiding Families and Small Business Owners Through Life's Transitions

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 are held to the fiduciary standard.

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 *

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 the financial confidence that comes from putting your financial future on track

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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 Photo

James Underhill, CFP®, MBA

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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 23 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 34 years. They have two sons, Jonathan and Jordan.

Jordan Underhill, CFP® Photo

Jordan Underhill, CFP®

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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.

Prior to 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.

Tyler Irving Photo Tyler Irving Hover Photo

Tyler Irving

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We are pleased to announce Tyler Irving has been promoted to the role of Para-Planner.  Tyler was our firm’s Intern and recently graduated from the University of Arizona with a Bachelor’s Degree in Family and Personal Financial Planning.  He will be eligible to sit for the CFP® Board Exam in 2022.  

Tyler will be managing our Financial Planning department and providing research and analysis in supporting our senior advisors.  Tyler has plans to become licensed as an Investment Advisor and work towards becoming the firm’s Junior Advisor.  

Tyler is the Life Teen music Director at St. Thomas the Apostle Church and is a self-taught pianist, guitarist and pretty much any other instrument he picks up.

Elisabeth Russell  Photo Elisabeth Russell  Hover Photo

Elisabeth Russell

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Our Document Specialist is Elisabeth Russell.  Elisabeth is from Albuquerque, NM and has an Associate’s Degree in Accounting.  She moved to Tucson in 2015 and has worked as Document Coordinator for three of the 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.

Rebecca Fredona Photo Rebecca Fredona Hover Photo

Rebecca Fredona

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Rebecca Fredona joined Underhill Financial as our Client Service Administrator. This role will oversee Client Meeting Preparation, & Follow-Up Tasks and Management of our Financial Plans including updating client goals and data as well as invoicing.  

Rebecca was a General Manager of local restaurant franchise overseeing a staff of 25.  She managed hiring, inventory, cash management and procedures.  Rebecca is a native of Tucson and enjoys playing board games, going to the movies and enjoying time with her son, Nicholas.

Max Christoff Photo

Max Christoff

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Max is graduating in May 2023 with a Bachelor’s Degree in Family and Personal Financial Planning.  He is the Director of Membership Acquisition for UofA’s Financial Modeling Club and a member of the Financial Planning Association of Southern Arizona.  Max is a former collegiate baseball player and has worked in the construction industry as a superintendent overseeing project development and execution.  He has lived in Tucson his entire life and is excited to be a part of the Underhill Financial Team.

Thank you to all of the generous donors!

Thank you for teaming up with us to make a difference in our local community!

Warm Regards,

Jim, Jordan and The Underhill Financial Team

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:


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:


Step 3:


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:


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* $1,500
Annual Plan Renewal Fee$500

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* $2,500
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.


'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

Business Succession Symposium

Presented On Wednesday, June 16th, 2021

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

Business Succession Planning

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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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


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.

General Meeting Forms