Fee-Only Financial Advisor in Honolulu, Hawaii
Focusing on retirement strategies for those within 5 years of retirement or managing inherited wealth
Learn more
Focusing on retirement strategies for those within 5 years of retirement or managing inherited wealth
Learn moreFinancial planning should cover every aspect of your life, not just your investments. Through my five-step retirement planning process, I'll help you tackle important financial decisions by evaluating every aspect of your financial well-being.
Built by a CFP® specializing in retirement income planning, this assessment helps you determine whether you’re on track to retire within the next five years.
Build a low-cost, diversified portfolio designed around your retirement income needs
Right-size your investment risk so market swings don't derail your plan
Establish a clear investment strategy and target asset allocation you can stick with
Coordinate investments across taxable, tax-deferred, and Roth accounts for tax efficiency
Rebalance on a disciplined schedule to manage risk as markets move
Monitor performance and keep your portfolio aligned with your plan
Evaluate rental property and other real estate opportunities
Simplify and automate the management of investment properties
Review every policy you own: life, disability, health, home, auto, and long-term care. I don't sell insurance or earn commissions, so my only incentive is recommending what's truly best for you
Ensure your will, trust, and powers of attorney reflect your current wishes, or help you put them in place for the first time
Think through the big decisions together: executors, trustees, guardians, trust provisions for children, and estate taxes
Connect you with vetted estate attorneys and insurance specialists when deeper expertise is needed
Clarify what this inheritance should accomplish for you and your family
Turn inherited assets into reliable, automated income
Build a tax-smart withdrawal strategy for inherited IRAs and other accounts, including the 10-year rule
Decide thoughtfully whether to pay down debt, invest, or both
Set the right cash reserve so you never feel pressured to make rushed decisions
Help you and your heirs grow confident managing wealth
Coordinate with your CPA and estate attorney so nothing falls through the cracks
Update estate documents and beneficiary designations to reflect your new circumstances
Look for opportunities to reduce your lifetime tax bill, not just this year's
Work alongside your CPA so tax planning and tax filing stay in sync
Sequence withdrawals, Roth conversions, and Social Security timing to keep you in lower tax brackets
Make full use of tax-advantaged accounts such as IRAs, Roth IRAs, HSAs, and small-business retirement plans
Capture available deductions for rental properties and other real estate
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®) with an Economics degree from the University of Michigan.
Financial planning & investment management services for retirement and inherited wealth
