FAQs

Can you meet virtually / work with people outside of Hawaii?

Yes! I offer in-person meetings in Hawaii and virtual meetings nationwide. This works very well for those living on the East or West Coast who prefer to meet in the late afternoon or evening.

Are you a Fiduciary 100% of the time?

Yes, I am a fiduciary 100% of the time. To learn why hiring a fiduciary is SO important, check out this Investopedia article.

How do we work together?

I use a clear two-stage process to help clients move from planning to implementation.

Stage 1, The 90-Day Retirement Roadmap, is a defined flat-fee planning engagement designed to answer your most important retirement-planning questions and provide a prioritized course of action.

Stage 2, Implementation & Ongoing Wealth Management, is an ongoing advisory relationship that includes financial planning, investment management, implementation, and continued guidance as life evolves.

Some clients begin with the 90-Day Retirement Roadmap; others are ready to begin directly with Implementation & Ongoing Wealth Management.

How do you earn money?

Masuda Lehrman Wealth is a fee-only, commission-free fiduciary financial planning firm. The only compensation I receive is directly from my clients.
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You can read more on my pricing page.

What is your investment philosophy?

This question can be answered in a couple ways: First, I believe in goals-based strategic asset allocation, which in a nutshell means that your goals and risk tolerance dictate the ratio of aggressive versus conservative investments in your portfolio.

I believe that low-cost passive investing should be the default for most people. Studies have shown that active management, whether that’s individual stock pickers or hedge funds, not only charge higher fees but also consistently underperform their benchmarks long-term.