I serve inheritance leavers and receivers locally in Honolulu, Hawaii and virtually nationwide
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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.
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
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
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
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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Financial planning & investment management services for inheritance leavers and receivers
