How it works
A quick look at our financial planning process
Gain Clarity
We first help you dig deep to envision and define what your ideal life looks like, uncovering your most important values along the way.
We help you answer "why is money important to you"? This creates the lens for your financial decisions and guides the path that you'd like your money to take you on.
Get Organized
From there, we comprehensively review your financials and provide a financial wellness assessment
Financial wellness affects every aspect of your life, not just your investments
Map Out Your Future
We provide tailored recommendations with your ideal life and values in mind.
Financial planning is like taking a roadtrip. It helps to have someone whose done this before help you navigate a roadmap and avoid potholes, delays, and accidents. We’ll be your GPS that lets you know where exactly you are in relation to where you want to be.
Set Sail
Finally, we empower you to take action and guide your financial decisions so you get closer to your ideal life while, hopefully, allowing you to enjoy the ride along the way.
Money defines the quality of our lives. It can shape our own destiny for the better IF we know how to use it properly
Ready to Get Started?
Stop worrying about your money and start investing in your financial future
FAQs
Yes! I currently work with approximately 30 households across 7 states.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.
I will help you answer the following questions:
When can you actually retire?
How much can you afford to spend in retirement?
How do you invest in retirement?
Which accounts do you draw from first in retirement?
When should you (and your spouse) claim Social Security?
Should you consider Roth conversions?
Are you paying more than you should in fees and taxes?
What should you do with your inheritance?
Answering these questions will create a stable foundation upon which you can make informed financial decisions.You can learn more about my retirement expertise by subscribing to my YouTube channel.
Masuda Lehrman Wealth is a fee-only (commission-free) fiduciary financial planning firm. The only compensation I receive is directly from my clients.
I offer a flat-fee ongoing retainer between $4,000-$10,000 + a one-time $1,500 onboarding fee for clients who prefer to manage their own investments. The ongoing retainer fee varies based on complexity.
I also offer the traditional Assets Under Management model for clients who prefer to delegate the ongoing management of their investments.
Both fee models include comprehensive and holistic financial planning. The only difference is whether you choose to delegate the management of your investment accounts.
My goal is to ALWAYS provide you value far in excess of the fees you pay. By saving you time, helping you avoid costly mistakes, making tax smart decisions, and protecting your investable assets we enable you to retire without worry.
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.
I work with clients who custody assets at Fidelity, Schwab, Vanguard, and Betterment. I offer investment management exclusively through Betterment. Through Betterment, I can offer passive investment management, rebalancing, tax efficiency, and alternatives such as socially responsible investing, target income generation, and quantitative factor investing.
