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.

The 90-Day Roadmap
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Flat Fee Limited Engagement

Best for:

Those who want to get clarity and direction before committing to an ongoing relationship.
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$3,000 - $6,000

50% due upon signing, remainder billed monthly in arrears

A comprehensive financial plan that anwers all of your biggest retirement questions.

High-level investment recommendations — general guidance on portfolio structure, but you retain control of your accounts.

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

Flat fee is based on the complexity of your financial situation: Marital status, number of accounts, investable assets, annual income, etc.

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If you start with the Flat Fee Limited Engagement, you can move into Ongoing Full Service Wealth Management at any point during or after the initial 3-month period.

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The Guided Path
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Full Service Wealth Management
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Best for:

Those who want a long-term partner to design their plan and manage their investments.
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1.00%

<$1M

0.85%

$1M-$3M

0.75%

$3M+

*Based on assets under management (AUM)

*$5,000 minimum fee annually
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Everything included in the 90-Day Roadmap + wealth management and ongoing plan refinements

If you prefer, you can start here right away — skipping the Flat Fee Limited Engagement and moving directly into this full-service relationship.

If you start with the Flat Fee Limited Engagement, you can move into Full Service Wealth Management at any point during or after the initial 3-month period.

AUM fee schedule would replace the flat fee so there’s no overlap or double payment.

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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 offer two ways to work together, depending on how involved you want me to be in managing your investments.

The Flat Fee Limited Engagement is a three-month retainer focused on creating your comprehensive financial plan. You’ll receive clear, actionable guidance while keeping control of your own accounts.

The Full-Service Wealth Management model is an ongoing partnership where I manage your investments and continuously update your plan. The fee is based on assets under management (AUM) and includes comprehensive financial planning, investment management, and ongoing updates to your plan.

Both options provide the same level of fiduciary care and personalized advice — the difference is simply whether you’d like to implement the plan yourself or have me handle it for you.

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.

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.