For clients who are seeking comprehensive financial planning guidance, there are two basic pricing models: Asset-Based fees and Fee-Only pricing (flat-fee and hourly billing).   For clients who are seeking financial planning advice paired with ongoing portfolio management, we offer the tiered asset-based fee structure outlined below. 

Asset-Based Pricing

The table below represents Financial Planning Hawaii’s standard tiered fee schedule for clients who enlist us to provide financial planning services under an asset-based advisory agreement.

Assets Under Mgmt*

      Asset-Based Fee**

$0-$500,000

                  .75%

$500,001-$1,000,000

                  .65%

$1,000,001-$3,000,000

                 .50%

$3,000,001-$4,000,000

                 .40%

$4,000,001-$5,000,000

                 .30%

>$5,000,000

                 .10%

*Annual minimum platform fee = $150
** Fee levels are assessed based upon the total assets of all accounts in the billing household.

This blended, tiered fee structure is applied only to assets that we directly manage on clients' behalf and includes ongoing comprehensive financial planning and investment advisory guidance. It also includes ongoing access to eMoney, the secure online application that serves as our financial planning organizational platform.  FPH operates as an SEC Registered Investment Adviser, and as such, is held to a fiduciary standard at all times.  All client assets under management are custodied at Charles Schwab. For more complete information, please refer to the Financial Planning Hawaii Client Services Agreement.

Fee-Only Financial Planning

Fee-only planning is available to Financial Planning Hawaii clients seeking a one-time comprehensive financial planning review that includes portfolio management and investment guidance, but does not include ongoing portfolio management. Clients bear all responsibility for implementing all, some, or none of the investment recommendations that are made in the planning review. The fee for this service is negotiated with each client in advance and is dependent upon the scope of work.  This model may be a good fit for consumers who are comfortable managing their own portfolios but are seeking an objective review and insights into important non-investment elment of financial planning. The flat-fee model may also be a good fit for consumers who do not have sufficient assets available to enlist our services for ongoing portfolio management.  Flat-fee planning is provided through Financial Planning Hawaii, Inc. d/b/a Fee-Only Planning Hawaii, a state of Hawaii Registered Investment Adviser.  Consumers who are interested in enlisting our services for Fee-Only planning are encouraged to visit our sister website:  Fee-Only Planning Hawaii.

 

Required regulatory disclosure documents pertaining to Financial Planning Hawaii's operations as an SEC RIA are provided below: