# Carl Choy

> Carl Choy is a fee-only financial advisor at CKW Financial Group in Honolulu, Hawaii. CKW Financial Group reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/carl-choy/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** CKW Financial Group
- **Based in:** Honolulu, Hawaii
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $2.53B across 1,600 accounts
- **CRD:** 1049918 (https://adviserinfo.sec.gov/individual/summary/1049918)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 63 (1982), Series 65 (1992)
- **Firm size:** 7 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** http://www.ckwhawaii.com

## Frequently asked questions

### Is Carl Choy a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Carl holds no broker registration, and CKW Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Carl charge for financial advice?

Carl's firm, CKW Financial Group, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Carl Choy based?

Carl Choy is based in Honolulu, Hawaii.

### Is Carl Choy registered with the SEC?

Yes. Carl Choy is registered as an investment adviser representative in TX (CRD 1049918), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does CKW Financial Group manage?

CKW Financial Group reports $2.53B across 1,600 accounts in assets under management.

### How do I contact Carl Choy?

Through Carl's website, www.ckwhawaii.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1049918): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.