Financial Planning for Multigenerational Wealth

I serve inheritance leavers and receivers locally in Honolulu, Hawaii and virtually nationwide

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Holistic Financial Planning

Financial planning should cover every aspect of your life, not just your investments. Following the CFP Board's Financial Planning Process, I'll help you tackle important financial decisions by evaluating every aspect of your financial well-being.

  • Utilize financial planning software

  • Explore “what if” scenarios using Monte Carlo simulations to identify possible financial paths

  • Social Security and/or pension optimization

  • Annuity and other guaranteed income only when appropriate and preferred

  • Rental property cash flow analysis

  • Retirement income planning that addresses longevity, long-term care, market, and inflation risk.

    Where should your next dollar go?
  • Provide investment education, tools, and resources

  • Define your risk preference/tolerance

  • Establish investment strategy, philosophy, and target asset allocation

  • Construct portfolio (Index, Technology, Climate Impact, Target Income, etc)

  • Rebalance 1-4x annually

  • Monitor market conditions and investment performance

  • Evaluate rental property or Airbnb investment

  • Automating and managing investment properties

  • Review all aspects of insurance, including life, disability, health, home, auto, and long-term care.  To be clear, we don’t earn commissions on selling insurance.  We only recommend what is in your absolute best interest.

  • Setting up estate planning and/or reviewing, updating, or redoing your current estate planning documents

  • Discuss executors, trustees, guardians, trust provisions for kids, estate tax, etc. 

  • Refer to insurance and estate planning experts when appropriate

    What Issues Should I Consider
    If My Spouse Passed Away?
  • Identify and categorize your estimated expenses and income sources

  • Create automated income streams

  • Review current spending

  • Analyze existing debt

  • Review cash reserves and liquidity

  • Optimize banking relationships

  • Track and analyze cash flow

  • Optimize credit card rewards for travel, cash back, etc

    Take Financial Wellness Quiz
  • Recommend tax optimization and efficiency strategies

  • Facilitate communication with your CPA and refer when appropriate

  • Strategize income distribution of tax-advantaged accounts through withdrawal hierarchy, Roth conversions, and Social Security timing

  • Discuss and recommend tax-advantaged accounts such as IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, etc.

  • Formulate tax deduction strategy for rental properties and Airbnb

    Download 2024 Important Numbers

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About Daniel Masuda Lehrman, CFP®, CSLP®

I am a Fee-Only Fiduciary and Founder of Masuda Lehrman Wealth LLC, serving clients locally in Honolulu, Hawaii and virtually nationwide.

Prior to starting my own firm, I was a Vice President Financial Consultant at Charles Schwab in their Downtown Honolulu office. I have worked in financial planning for 10 years at Vanguard, Fidelity, and Schwab.

I'm a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) and Certified Student Loan Professional (CSLP®) with an Economics degree from the University of Michigan.

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