Financial planning & investment management services for retirement and inherited wealth
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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.
Every client follows the same path. In the first 90 days we build your retirement plan. Then I manage the investments that carry it out, and keep the plan current. The first 90 days exist because most people have a good reason not to move their money on day one: the plan comes first, then the management.
Not sure what a financial plan includes?
View a complete sample plan →
Are within about 1-5 years of retirement, or already retired.
Want one advisor to build the plan and manage the investments that carry it out.
Value a holistic, comprehensive planning over investment-focused advice
Have roughly $850,000 or more in investments for me to manage (my minimum annual fee is $8,500).
Plan to keep managing your own portfolio long term.
Want a one-time plan without ongoing implementation.
Are looking for an advisor to pick hot stocks or time the market.
I’ll tell you candidly in our first call if I don’t think I’m the right fit.
Minimum annual fee: $8,500 · Billed quarterly from your Schwab accounts
Planning & coaching
Portfolio Construction & Management
Beating or timing the market
Picking the top investments
Earning commissions, kickbacks, or transaction charges
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.
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.
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
