WHAT FINANCIAL PLANNING SHOULD BE
A strategy for your money. A vision for your life. A plan for it all to work together.
Let’s be honest—“financial planning” means different things to different people. Some advisors only manage investments. Others sell insurance. Many still earn commissions by pushing products.
We’re different.
As a Hawaii-based fiduciary financial advisor, we serve clients nationwide with custom financial strategies that deliver clarity, alignment, and results. Our approach is simple: independent, comprehensive planning that supports every area of your financial life—without pushing products for a commission or investment minimums required. You get clear, personalized advice and a partner committed to helping you make confident, values-aligned decisions in all aspects of your financial life.
HOW IT WORKS
A clear path to financial confidence
Real financial planning isn’t just advice—it’s a collaborative relationship built on trust, insight, and action. Our process is high-touch, personalized, and designed to evolve with you—whether you’re planning for retirement, optimizing your taxes, or growing generational wealth. At the heart of our work is the C.L.E.A.R. System—a framework designed to bring structure, momentum, and clarity to every corner of your financial life.
CLARIFY
Understanding you, your story, your values, and your goals
Before recommending any strategies, we dive deep into your personal and financial background. This helps us understand your unique priorities, risk tolerance, and values—so your plan is tailored, not templated.
Sessions
Three 90-minute planning sessions to gather your data, define your goals, and build your custom plan.
Questions
Unlimited communication during the planning phase for questions, clarity, and additional data gathering.
Gift
One complimentary strategy session to gift to a loved one.
LAYOUT
We map out your financial picture and uncover blind spots
Once we understand where you’re starting from, we organize and simplify the pieces—income, assets, liabilities, and tax exposure—into a clear roadmap for your future.
Coaching
Quarterly coaching and planning calls to adjust strategies, inspire progress, and support new decisions.
Updates
Annual plan updates and flexible meeting scheduling to keep everything current and relevant.
Access
Unlimited access throughout the year for guidance on any life or financial event—big or small.
EVALUATE AND EDUCATE
We deliver a custom plan with tailored strategies and options
With your goals and data in place, we stress-test different financial paths. This includes analyzing investment opportunities, equity compensation, tax-saving strategies, and potential trade-offs.
Plan
Delivery of a detailed, actionable financial plan designed around your values and vision.
Equity planning
Equity compensation planning, including RSUs, ISOs, NSOs, ESPPs, and deferred compensation
Tax planning
Proactive, year-round tax planning to reduce your lifetime tax bill—not just your April 15th burden
Benefit analysis
Employer benefits analysis to help you maximize workplace opportunities—from 401(k) match strategies to HSA and other fringe benefits
Insurance reviews
Insurance policy reviews to ensure you’re not over- or under-insured across life, disability, property, and long-term care—so you have the right protection, not just more of it
Economic updates
Quarterly market updates to help you stay informed and calm—no matter the headlines.
Education
Enrollment in our digital education course for financial literacy and mindset growth
ACT AND AUTOMATE
We help you put your plan into action because a plan without action is just a document
From setting up accounts to executing portfolio changes, we walk alongside you every step of the way. Our job is to remove friction so your financial plan becomes reality.
Financial collaboration
Collaboration with your CPA, estate attorney, and other professionals to align your full financial life also assistance vetting professionals, including estate attorneys, tax strategists, and insurance specialists.
Portfolio
Professional portfolio design, tailored to your goals, risk, and tax strategy. Ongoing tax-efficient management, proactive reallocating, and monitoring.
Cash Management System
Develop, implement and automate a structure to receive, spend, save and invest your money. Debt payment plan (as needed).
Risk management
Insurance policy review and recommendations to find the right type and amount of coverage to support your needs and to reduce your greatest financial threats.
REVIEW AND RECALIBRATE
Life changes, and so does your plan—we update it with you, regularly
Life doesn’t stand still, and neither should your plan. We proactively check in, adapt to new milestones or tax law changes, and help you stay aligned—even when the market isn’t.
Dashboard
Full access to RightCapital, our intuitive financial planning dashboard
Accountability
Ongoing accountability and coaching to turn insight into real progress
WHAT YOU'VE HEARD VS WHAT'S TRUE
Myth-busting the financial planning world
Let’s clear the air. We’ve heard the assumptions, the stereotypes, and the secondhand advice—and we’re here to set the record straight.