Financial planning & investment management services for retirement and inherited wealth
Connect with me!
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.
Yes, I am a fiduciary 100% of the time. To learn why hiring a fiduciary is SO important, check out this Investopedia article.
Nearly every client follows the same path through my five-step process. Phase 1, Build the Plan, is the 90-Day Retirement Roadmap and covers Steps 1–3 (Understand, Identify, Build): in the first 90 days we answer your most important retirement questions and agree on a prioritized set of decisions. Phase 2, Run the Plan, is Implementation & Ongoing Wealth Management and covers Steps 4–5 (Implement, Adapt): I manage your investments, carry out the plan, and keep it current as your life and the tax law change. Clients who begin with ongoing management directly receive the same planning work, and the separate planning fee can be waived. A small number of clients complete the Roadmap only. That’s available, but it isn’t how I’m set up to do my best work for you.
For ongoing wealth management, yes. Your accounts are held in your name at Charles Schwab, and I manage them there. That’s what lets me implement the plan rather than hand you a to-do list. If you’d prefer to keep managing your own investments, I’m probably not the right fit, and I’ll say so in our first call.
Usually not. If your advisor manages your investments but isn’t doing the planning, you’re already paying an ongoing fee for a fraction of the work. The right conversation is whether I should be the one earning that fee, not whether to add a second one on top. If you’d like to keep your current advisor and buy planning separately, I’m probably not the right fit.
Masuda Lehrman Wealth is a fee-only, commission-free fiduciary financial planning firm. The only compensation I receive is directly from my clients.
You can read more on my pricing page.
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.
Financial planning & investment management services for retirement and inherited wealth
