Our Advisors
Meet your dedicated financial advisors committed to putting your interests first and helping you work toward your financial goals.
The Fiduciary
Advantage
Legal Obligation to You
Fiduciaries are legally bound to act in your best interest, not their own or their firm's.
Higher Standard of Care
We must provide advice that meets the highest standard of professional care and competence.
Transparent Fee Structure
Clear, upfront disclosure of all fees and potential conflicts of interest.
What This Means for You
Unlike brokers who may be incentivized to sell certain products, fiduciary advisors must recommend strategies and investments that are truly in your best interest. We're transparent about our fees, potential conflicts, and always put your financial well-being above our own compensation.
Meet Your Advisory
Team
Aaron Tuttle CPFA®
Founder & Financial Advisor
Aaron founded Wagon Wheel Financial to help families build retirement plans they can rely on for life—and to offer something very different from the typical financial advisor experience. As a Certified Plan Fiduciary Advisor (CPFA®), he focuses on designing retirement income strategies intended to last 25 years or more, aligning investments, Social Security, pensions, and other resources to create durable, predictable cash flow throughout retirement.
Unlike many advisors who focus mainly on returns or products, a core part of Aaron’s work is long-term tax reduction planning—helping clients make smarter decisions today so they can potentially pay less in taxes over their lifetime, not just this year. He has guided many clients through complex moments like inheritances, business exits, and major life transitions, always with an eye toward preserving after-tax wealth and sustaining income.
Known for his clear, down-to-earth communication style, Aaron takes pride in explaining complex topics in a way that helps clients feel informed, confident, and able to sleep at night. He meets clients where they are, listens carefully to what matters most, and then builds practical, customized strategies around their goals. Aaron regularly travels between Naples and Grants Pass to serve clients, providing consistent, high-quality guidance across both office locations.
Toren Tuttle
CPA® MBA®
Tax Advisor
Toren serves as the Tax Planning Specialist at Wagon Wheel Financial, helping clients make smart, tax‑efficient decisions before and throughout retirement. As a Certified Public Accountant (CPA) who has also passed his financial advisor licensing exams, he focuses on the tax side of planning—especially strategies that matter most when preparing for and living in retirement, such as tax‑efficient withdrawals, Roth conversions, and multi‑year planning around required minimum distributions.
From an early age, Toren knew he wanted to be part of the family business and work alongside his dad and founder of Wagon Wheel Financial, Aaron. Over time, he discovered his niche in assisting clients with the tax planning portion of their financial plans and using that expertise to enhance each client’s overall strategy. Before joining Wagon Wheel Financial, Toren played quarterback in college, an experience that shaped his disciplined, team‑oriented approach and his ability to make calm, confident decisions under pressure—qualities clients now benefit from in every planning conversation.
AJ Smith
Financial Advisor
AJ brings extensive experience in financial planning and investment management to serve our Grants Pass clients. With a deep understanding of the local community and economy, AJ provides personalized financial strategies tailored to the unique needs of Southern Oregon residents.
Known for building lasting relationships with clients, AJ focuses on comprehensive financial planning that encompasses retirement strategies, investment management, and estate planning considerations specific to the Pacific Northwest region.
AJ’s commitment to ongoing education and staying current with financial planning best practices ensures that clients receive the most up-to-date and effective strategies for their financial goals.