# Financial advisors for retirement planning in Hawaii > For retirement planning in Hawaii, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Jason Cutitta of ToBA Financial, Abel Soares of Hui Malama Financial Advisors LLC and David Bello of BelloAdvisers. Page: https://find.wellspent.co/specialties/retirement-planning/hawaii/ 25 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to about retirement planning in Hawaii? For retirement planning in Hawaii, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Jason Cutitta of ToBA Financial, Abel Soares of Hui Malama Financial Advisors LLC and David Bello of BelloAdvisers. - [Jason Cutitta](https://find.wellspent.co/advisors/jason-cutitta/), ToBA Financial, Kaneohe. Holds the CFP and EA. Fees on file: percentage of assets, fixed fees. - [Abel Soares](https://find.wellspent.co/advisors/abel-soares/), Hui Malama Financial Advisors LLC, Waianae. Holds the CFP and CPA. Fees on file: percentage of assets, hourly. - [David Bello](https://find.wellspent.co/advisors/david-bello/), BelloAdvisers, Kailua. Holds the CFP. Fees on file: percentage of assets. - [Daniel Masuda Lehrman](https://find.wellspent.co/advisors/daniel-masuda-lehrman/), Masuda Lehrman Wealth, Honolulu. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Brad Klontz](https://find.wellspent.co/advisors/brad-klontz/), Occidental Asset Management, Lihue. Holds the CFP. Fees on file: ongoing planning fee. - [Ryan Miyashiro](https://find.wellspent.co/advisors/ryan-miyashiro/), Kahala Financial Advisors, Honolulu. Holds the CFP. Fees on file: percentage of assets. ## How many fee-only financial advisors in Hawaii work on retirement planning? The Wellspent public graph lists 25 fee-only advisors for retirement planning in Hawaii, at 14 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirement planning in Hawaii located? Of the 25 fee-only advisors for retirement planning in Hawaii, 19 are in Honolulu, followed by 1 in Lahaina and 1 in Waianae. ## How do fee-only advisors for retirement planning in Hawaii charge? The most common fee among fee-only advisors for retirement planning in Hawaii is a percentage of assets, used by 96% of the 25 with fees on file. Many use more than one: 60% charge by the hour and 36% charge fixed fees. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the CFP, EA and CPA. In Hawaii, 44% of the 25 advisors listed hold the CFP. - CFP (44% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (4% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (4% of advisors listed): CPAs help with the tax side of withdrawals. ## How do Hawaii advisors for retirement planning compare with the rest of the US? 60% of fee-only advisors for retirement planning in Hawaii charge by the hour, compared with 45% of the 7,304 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Hawaii tax Social Security? No. Hawaii doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor about retirement planning in Hawaii? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does Hawaii tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in Hawaii? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Daniel Masuda Lehrman](https://find.wellspent.co/advisors/daniel-masuda-lehrman.md) | Masuda Lehrman Wealth | Honolulu, Hawaii | CFP, Certified Student Loan Professional | Percentage of assets, One-time planning fee | | [Jennifer Macedo](https://find.wellspent.co/advisors/jennifer-macedo.md) | Front Street Financial | Lahaina, Hawaii | CFP | Percentage of assets, Fixed fees | | [Abel Soares](https://find.wellspent.co/advisors/abel-soares.md) | Hui Malama Financial Advisors LLC | Waianae, Hawaii | CFP, CPA, PFS | Percentage of assets, Hourly, Fixed fees | | [Brad Klontz](https://find.wellspent.co/advisors/brad-klontz.md) | Occidental Asset Management | Lihue, Hawaii | CFP | Ongoing planning fee | | [Jason Cutitta](https://find.wellspent.co/advisors/jason-cutitta.md) | ToBA Financial | Kaneohe, Hawaii | CFP, EA | Percentage of assets, Fixed fees | | [Christina Brown](https://find.wellspent.co/advisors/christina-brown.md) | Andrews Advisory Associates | Honolulu, Hawaii | CFP | Percentage of assets, Hourly, Fixed fees | | [Scott Tonai](https://find.wellspent.co/advisors/scott-tonai.md) | Andrews Advisory Associates | Honolulu, Hawaii | CFP | Percentage of assets, Hourly, Fixed fees | | [David Bello](https://find.wellspent.co/advisors/david-bello.md) | BelloAdvisers | Kailua, Hawaii | CFP | Percentage of assets | | [Greg Miyashiro](https://find.wellspent.co/advisors/greg-miyashiro.md) | Kahala Financial Advisors | Honolulu, Hawaii | CFP | Percentage of assets | | [J.R. Robinson](https://find.wellspent.co/advisors/j-r-robinson.md) | Financial Planning Hawaii | Honolulu, Hawaii | | One-time planning fee, Percentage of assets, Flat fee or retainer | | [Ryan Miyashiro](https://find.wellspent.co/advisors/ryan-miyashiro.md) | Kahala Financial Advisors | Honolulu, Hawaii | CFP | Percentage of assets | | [Daniel DeSouza](https://find.wellspent.co/advisors/daniel-desouza.md) | | Honolulu, Hawaii | CFA | Percentage of assets | | [Tafiti Uso](https://find.wellspent.co/advisors/tafiti-uso.md) | Pacific Wealth Partners | Honolulu, Hawaii | CFP | Percentage of assets | | [Jeffery Margolf](https://find.wellspent.co/advisors/jeffery-margolf.md) | Tangent Financial | Honolulu, Hawaii | CFA | Percentage of assets, Hourly, Fixed fees | | [Owen Lahr](https://find.wellspent.co/advisors/owen-lahr.md) | Andrews Advisory Associates | Honolulu, Hawaii | | Percentage of assets, Hourly, Fixed fees | | [Travis Tsukayama](https://find.wellspent.co/advisors/travis-tsukayama.md) | Andrews Advisory Associates | Honolulu, Hawaii | | Percentage of assets, Hourly, Fixed fees | | [David Hall](https://find.wellspent.co/advisors/david-hall.md) | Peak Planning Group | Hilo, Hawaii | | Percentage of assets, Hourly, Fixed fees | | [Robert Priske](https://find.wellspent.co/advisors/robert-priske.md) | Robert Priske | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Bradley Totherow](https://find.wellspent.co/advisors/bradley-totherow.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Gabriella Puaa](https://find.wellspent.co/advisors/gabriella-puaa.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Harlan Cadinha](https://find.wellspent.co/advisors/harlan-cadinha.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Harlan Cadinha](https://find.wellspent.co/advisors/harlan-cadinha-37879.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Kaleialoha Cadinha-Pua'A](https://find.wellspent.co/advisors/kaleialoha-cadinha-pua-a.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Michael D'Addario](https://find.wellspent.co/advisors/michael-d-addario.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | | [Robyn Macy](https://find.wellspent.co/advisors/robyn-macy.md) | Cadinha & Co | Honolulu, Hawaii | | Percentage of assets, Hourly | ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).