Financial advisors for retirement planning in Hawaii
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Jason Cutitta ToBA Financial, Kaneohe Holds the CFP and EA. Fees on file: percentage of assets, fixed fees.
- Abel Soares Hui Malama Financial Advisors LLC, Waianae Holds the CFP and CPA. Fees on file: percentage of assets, hourly.
- David Bello BelloAdvisers, Kailua Holds the CFP. Fees on file: percentage of assets.
- Daniel Masuda Lehrman Masuda Lehrman Wealth, Honolulu Holds the CFP. Fees on file: percentage of assets, one-time planning fee.
- Brad Klontz Occidental Asset Management, Lihue Holds the CFP. Fees on file: ongoing planning fee.
- 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.
Plus 2 in other cities.
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.
- CFP44% in Hawaii
- The CFP covers income, tax, insurance, and estate decisions together.
- EA4% in Hawaii
- Enrolled agents help with Roth conversions and withdrawal order.
- CPA4% in Hawaii
- 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.
Dark bars are Hawaii. Light bars are all US advisors for retirement planning.
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.
All 25 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Daniel Masuda Lehrman | Masuda Lehrman Wealth | Honolulu | CFP, Certified Student Loan Professional | Percentage of assets, One-time planning fee |
| Jennifer Macedo | Front Street Financial | Lahaina | CFP | Percentage of assets, Fixed fees |
| Abel Soares | Hui Malama Financial Advisors LLC | Waianae | CFP, CPA, PFS | Percentage of assets, Hourly |
| Brad Klontz | Occidental Asset Management | Lihue | CFP | Ongoing planning fee |
| Jason Cutitta | ToBA Financial | Kaneohe | CFP, EA | Percentage of assets, Fixed fees |
| Christina Brown | Andrews Advisory Associates | Honolulu | CFP | Percentage of assets, Hourly |
| Scott Tonai | Andrews Advisory Associates | Honolulu | CFP | Percentage of assets, Hourly |
| David Bello | BelloAdvisers | Kailua | CFP | Percentage of assets |
| Greg Miyashiro | Kahala Financial Advisors | Honolulu | CFP | Percentage of assets |
| J.R. Robinson We do comprehensive financial planning for individuals and families in the mid-market affluent space. | Financial Planning Hawaii | Honolulu | Not listed | One-time planning fee, Percentage of assets |
| Ryan Miyashiro | Kahala Financial Advisors | Honolulu | CFP | Percentage of assets |
| Daniel DeSouza | Not listed | Honolulu | CFA | Percentage of assets |
| Tafiti Uso | Pacific Wealth Partners | Honolulu | CFP | Percentage of assets |
| Jeffery Margolf | Tangent Financial | Honolulu | CFA | Percentage of assets, Hourly |
| Owen Lahr | Andrews Advisory Associates | Honolulu | Not listed | Percentage of assets, Hourly |
| Travis Tsukayama | Andrews Advisory Associates | Honolulu | Not listed | Percentage of assets, Hourly |
| David Hall | Peak Planning Group | Hilo | Not listed | Percentage of assets, Hourly |
| Robert Priske | Robert Priske | Honolulu | Not listed | Percentage of assets, Hourly |
| Bradley Totherow | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
| Gabriella Puaa | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
| Harlan Cadinha | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
| Harlan Cadinha | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
| Kaleialoha Cadinha-Pua'A | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
| Michael D'Addario | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
| Robyn Macy | Cadinha & Co | Honolulu | Not listed | Percentage of assets, Hourly |
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