# Scott Tonai

> Scott Tonai is a fee-only financial advisor at Andrews Advisory Associates in Honolulu, Hawaii, who holds the CFP credential. Scott focuses on retirement planning, tax planning and estate & legacy planning. Andrews Advisory Associates reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/scott-tonai/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Andrews Advisory Associates
- **Based in:** Honolulu, Hawaii
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Fees (firm's website):** a $250,000 asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $268.6M across 263 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Pre-retirees
- **CRD:** 6619125 (https://adviserinfo.sec.gov/individual/summary/6619125)
- **SEC registration:** Investment adviser representative in HI
- **Exams passed:** Series 63 (2016), Series 65 (2016)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** http://www.andrewsllc.com

## Frequently asked questions

### Is Scott Tonai a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Scott holds no broker registration, and Andrews Advisory Associates reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Scott charge for financial advice?

Scott's firm, Andrews Advisory Associates, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### How much does Scott charge?

According to Andrews Advisory Associates's website, checked October 30, 2026: a $250,000 asset minimum.

### Where is Scott Tonai based?

Scott Tonai is based in Honolulu, Hawaii.

### What does Scott specialize in?

Scott's specialties include retirement planning, tax planning and estate & legacy planning. Scott works with pre-retirees.

### What credentials does Scott Tonai hold?

Scott Tonai holds the CFP credential.

### Is Scott Tonai registered with the SEC?

Yes. Scott Tonai is registered as an investment adviser representative in HI (CRD 6619125), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Andrews Advisory Associates manage?

Andrews Advisory Associates reports $268.6M across 263 accounts in assets under management.

### How do I contact Scott Tonai?

Through Scott's website, www.andrewsllc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6619125): 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
- The firm's website (https://www.andrewsllc.com/): specialties, clients served, and fees, checked October 30, 2026

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