Independent, Fee-Only, Fiduciary

I believe transparency is fundamental to a trusting relationship.

That’s why I list my fees right here.

I am never paid any sales commissions, transaction charges, or kickbacks.

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The Two-Stage Advisory Relationship

‍Every client relationship begins with understanding their full financial picture and building a comprehensive retirement plan around it.

Not sure what a financial plan includes?

‍View a complete sample plan →
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STAGE 1
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The 90-Day Retirement Roadmap
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$4,200 - $8,400

50% due upon signing, remainder billed monthly in arrears

Schedule Free Initial Consultation

A comprehensive financial plan that answers your biggest retirement questions.

Three months of meetings for follow-up questions and plan refinements.

Flat fee is based on your income, net worth, and complexity of your financial situation. Exact fee quote will be provided after initial consultation

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STAGE 2
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Implementation & Ongoing Wealth Management
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Annual Fee

Assets Managed

1.00%

Under $1,000,000

0.85%

$1,000,000 – $3,000,000

0.75%

$3,000,000+

*subject to minimum annual fee
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Income — your Retirement Paycheck Plan. A monthly retirement paycheck — amount, timing, accounts, and withholding.

Investments — your Retirement Resilience Plan. Protected years of spending and a written down-market action plan.

Taxes — your Lifetime Tax Map. Roth conversions, withdrawal sequencing, and Medicare thresholds — planned over your lifetime.

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How I Earn My Fees

70%

Planning & coaching

30%

Portfolio Construction & Management

Beating or timing the market

Picking the top investments

Earning commissions, kickbacks, or transaction charges

Let's talk!

Schedule a short, 15-30 minute phone or Zoom meeting to see if we’re a good fit.

I’ll ask you what led you to schedule the meeting, what your concerns are, what questions you have, and what you’re hoping to accomplish by working together.

Schedule Free Initial Consultation

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. 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. Implementation & Ongoing Wealth Management is an ongoing advisory relationship built around four coordinated pillars — income, investments, taxes, and estate — plus investment management, implementation, and continued guidance as life evolves. Some clients begin with the Roadmap; others 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.

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.