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FPH Blog

John Robinson | Sep 25, 2025

The Latest News from Financial Planning Hawaii

RIA Change, Do you love it?, Mutual Group, Rabble Rouser, How much $ to retire in HI, Read 'em & weep.
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John Robinson | Sep 25, 2025

Cash ETFs: The New "New Thing" in the Search for Yield and Safety?

Cash Management
Mutual Funds
Optimizing the efficiency of your cash is an important element of investment planning. Cash ETFs are merit consideration along with high yield savings accounts
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John Robinson | Sep 25, 2025

Saying the Quiet Part Out Loud

Financial Planning
fiduciary
8 answers to questions every Financial Planning Hawaii client should ask about the transition for JW Cole to our own stand-alone SEC RIA.
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John Robinson | Jun 4, 2025

Timely Tidbits - News & Alerts For Financial Planning Hawaii Clients (June 2025)

Financial Planning Hawaii
News & Alerts for Financial Planning Hawaii Clients for June 2025.
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John Robinson | Jun 2, 2025

Will AI Replace the Lowly Human Financial Planner?

Artificial Inteligence
Financial Planning
This article suggests that the threat posed by the rapid evolution of AI and the pending introduction of digital human financial planner avatars, may be
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John Robinson | May 30, 2025

Securing Social Security for Future Generations: Solutions, Political Perspectives, and Common Ground

Social Security
This article presents an overview of potentail solutions for fixing Social Security, their potential impacts, and where Democrats and Republicans find common
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John Robinson | May 16, 2025

Introducing Mortgage Recasting

mortgage recasting
Financial Planning
Mortgage recasting is a strategy that allows homeowners to lower their monthly mortgage payments without refinancing their loan.
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John Robinson | May 16, 2025

Charitable Gift Annuities Funded with Highly Appreciated Stock: A Tax-Smart Strategy with Community Impact

Tax Planning
Charitable gift annuities (CGAs) offer a unique opportunity to support philanthropic causes while securing lifetime income and optimizing tax outcomes
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John Robinson | May 14, 2025

How Social Security Benefits Can Crowd Out Roth Conversions

Roth Conversion
Social Security
The interplay between Social Security benefits and Roth IRA conversions is a critical topic for retirement planning.
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John Robinson | May 14, 2025

How Many ETFs (or Mutual Funds) Do You Really Need?

Mutual Funds
Research and expert consensus increasingly support the idea that a small number of broad ETFs is not only sufficient but often optimal for most investors.
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Bear Market Image
John Robinson | Mar 17, 2025

The Stock Market Has Been Tanking as a Result of Trump’s Policy Initiatives. Is it Different This Time?

Bear Market Investing
Stock market volatility
Bond Investing
Market Timing
Investors are asking how they should react to the Trump-induced stock market decline. The time to prepare for downturns is BEFORE they happen.
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John Robinson | Feb 25, 2025

To Buy or Not to Buy AI?

Artificial Inteligence
Fintech
Investing
This article sorts through the AI hype to provide readers with a useful framework for deciding if and how to invest in AI
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Blog Topics

  • Portfolio Management and Investing
  • Risk Management and Insurance
  • Estate Planning
  • Tax Planning
  • IRAs and Qualified Retirement Plans
  • Retirement Spending
  • Retirement Saving
  • College Saving
  • Comprehensive Financial Planning
  • Social Security
  • Art, Antiques, and Collectibles
  • Hawaii

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Financial Planning Hawaii is an SEC-Registered Investment Adviser (RIA).  Registration as an investment adviser does not imply any level of skill or training. For verification of Financial Planning Hawaii's regulatory status, all website visitors are encouraged to visit the SEC Investor Advisor Public Disclosure website.  The site allows you to search by firm name and by adviser name. It provides detailed information about the firm's business model and each investment adviser representive's professional experience, educational background, and disclosure history.
Financial Planning Hawaii's 2025 SEC Form ADV  |   Financial Planning Hawaii's 2025 Customer Relationship Summary
Additional Disclosures
Although representatives of Financial Planning Hawaii may review client tax and legal documents, deliver tax-reporting documents, and raise awareness of potential tax and/or estate planning related mistakes or opportunities, none of this information should be construed as constituting specific tax or legal advice.  All clients are encouraged to consult with their respective CPAs and/or attorneys for such guidance.
 
SEC Regulation S-P is a rule that requires investment advisors to protect customers' nonpublic personal information. It mandates that these institutions have policies for safeguarding data, properly disposing of consumer reports, and providing customers with privacy notices and opt-out options for information sharing. Clients are strongly discouraged from sending personal information such as birthdates, social security numbers and account numbers to us via unsecure email.
 
100% of Financial Planning Hawaii's client assets under management are custodied with Charles Schwab.  Except for the payment of advisory fees, all checks delivered to Financial Planning Hawaii should be made payable to Charles Schwab.
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