An Evidence-Based Approach to Investing

At Financial Planning Hawaii, we believe that investment management is an important component of comprehensive financial planning — but it is only one component. Unlike many advisors who lead with portfolio management, we integrate your investment strategy with your tax plan, retirement projections, estate plan, and overall financial goals.

Our investment philosophy is grounded in decades of academic research: broadly diversified portfolios of low-cost funds, held with discipline through market cycles, have historically outperformed the vast majority of actively managed strategies — especially after fees and taxes are accounted for.

100% Custodied at Charles Schwab

All Financial Planning Hawaii client assets under management are custodied at Charles Schwab, one of the largest and most reputable custodians in the industry. This means your assets are held independently of our firm, providing an additional layer of security and transparency.

Rising Dividend Strategy

In addition to core index fund allocations, we offer clients access to our proprietary rising dividend screening strategy — a disciplined approach to identifying companies with strong balance sheets and histories of consistently growing their dividend payments.

Why Costs Matter So Much

A 1% difference in annual fees on a $500,000 portfolio compounds to over $130,000 in lost wealth over 20 years. Keeping costs low is one of the most impactful things you can do for your long-term investment returns.

30+
Years of Investment Experience
100%
Custodied at Charles Schwab
10
Basis Points — Typical Fund Costs
20+
Findings Per Client Review
What We Cover

Our Investment Management Approach

Disciplined, evidence-based investing that prioritizes long-term wealth building over short-term speculation.

Low-Cost Fund Selection

We prioritize index funds and ETFs with rock-bottom expense ratios, avoiding expensive actively managed funds that rarely justify their higher costs over time.

Strategic Asset Allocation

We build diversified portfolios aligned with your risk tolerance, time horizon, and financial goals — and maintain discipline through market volatility.

Tax-Efficient Implementation

We implement asset location strategies, tax-loss harvesting, and gain deferral techniques to minimize the tax drag on your portfolio.

Rising Dividend Strategy

Our proprietary screening process identifies healthy companies with track records of growing dividends — providing income and growth potential.

Ongoing Rebalancing

We systematically rebalance portfolios to maintain target allocations, using cash flows and tax-loss opportunities to rebalance efficiently.

Performance Reporting via Advyzon

Clients access their own portal on Advyzon for transparent performance reporting, statement delivery, and portfolio insights integrated with Schwab.

How It Works

Our Investment Process

 
1

Portfolio Assessment

We review your current holdings, fees, asset allocation, and tax efficiency across all accounts.

2

Strategy Design

We design a portfolio strategy aligned with your risk tolerance, time horizon, tax situation, and financial goals.

3

Tax-Smart Transition

If changes are needed, we implement them in a tax-efficient manner — avoiding unnecessary capital gains recognition.

4

Ongoing Management

We manage your portfolio with continuous rebalancing, tax-loss harvesting, and strategy adjustments as your plan evolves.

5

Transparent Reporting

You have 24/7 access to your portfolio through Advyzon, with clear performance reporting and Schwab integration.

Portfolio Management Checklist

Evaluate your current investment approach:

 

Portfolio expense ratios below 0.25% (ideally under 0.10%)

 

Asset allocation aligned with risk tolerance and time horizon

 

Tax-efficient asset location strategy in place

 

Systematic rebalancing process (at least annually)

 

Diversified across asset classes, geographies, and sectors

 

No single stock position exceeding 5-10% of portfolio

 

Tax-loss harvesting implemented when opportunities arise

 

Performance measured against appropriate benchmarks

Common Questions

Frequently Asked Questions

Get answers to common questions about our portfolio management services.

What are your investment management fees?
Our fee schedule is published on our Pricing page. We believe in full transparency and our fees are competitive with industry averages for the level of comprehensive planning we provide.
Why index funds over actively managed funds?
Decades of academic research consistently show that the majority of actively managed funds underperform their benchmark index over time, especially after fees and taxes. Low-cost index funds provide broad market exposure at a fraction of the cost.
Where are my assets held?
100% of client assets are custodied at Charles Schwab. Your money is never held by Financial Planning Hawaii directly. Schwab is one of the largest and most trusted custodians in the industry.
What is a rising dividend strategy?
We screen for companies with strong balance sheets and consistent track records of increasing their dividend payments over time. This strategy provides both current income and the potential for income growth — a valuable combination for retirees and long-term investors.
Explore More

Related Planning Services

Comprehensive financial planning touches many areas. Explore services that complement this one.