Strategic Economic Advice for investing, taxes and more with no hidden fees.
Our fees depend on your needs and complexity. Exact pricing is determined based on your circumstances, assets, income, and the scope of work involved.
Our transparent fee model includes the development of a comprehensive financial plan for each client. Depending on the relationship you choose, that integrated service is provided through either a percentage of invested assets or an ongoing fixed fee-for-service arrangement.
To best serve our diverse range of clients, SEA offers both an AUM and subscription model, along with hourly and project-based consulting for specific needs.
Three ways to work with SEA
The difference is simple: whether you want professional investment management in addition to financial planning, planning without investment management, or help with one specific financial question.
Financial Planning + Professional Investment Management
A fully integrated relationship combining financial planning, tax-aware strategy, and professional portfolio management under one all-inclusive fee.
Financial Planning Only
Comprehensive, ongoing financial planning for clients who prefer to manage their own investment portfolio. No SEA investment management and no AUM fee.
Focused Advice, When You Need It
Specific financial guidance or one-time planning work without committing to an ongoing advisory relationship.
Financial Planning + Professional Investment Management
One integrated relationship. One streamlined fee.
The SEA Explorer Plan is a fully integrated relationship combining financial planning, tax-aware strategy, and professional portfolio management under one all-inclusive fee.
This approach is designed for clients who want ongoing financial planning and professional investment management working together rather than treating their portfolio and financial plan as separate pieces.
— What clients have told us
Your advisor and your custodian are different roles.
SEA is the fiduciary investment advisor, never the custodian. Your investments are held by The Charles Schwab Corporation (“Schwab”), one of the largest and most prominent brokerage firms in the United States, with approximately $13.04 trillion in client assets as of July 31, 2026.
This separation is important: SEA provides financial planning, investment advice, portfolio management, and ongoing oversight, while Schwab provides custody, account administration, and brokerage services.
Evidence-Based Investing
At SEA, we invest based on evidence, not predictions. We build low-cost, globally diversified core portfolios designed to hold up across market cycles — tailored to your goals, constraints, tax situation, and liquidity needs.
We coordinate asset allocation and trading across both spouses and every account we manage, so decisions get made around your whole household's picture — not account by account.
Proactive Tax Planning Is Included
Tax strategy shouldn't be separate from investment management — we run them together, year-round. That means budgeting for capital gains before you trigger them, timing Roth conversions to your lowest-bracket years, placing assets in the right accounts, and coordinating equity compensation with the rest of your plan. Built for households with real income complexity.
Strategic Economic Advice for investing, taxes and more with no hidden fees.
Your investment portfolio is only one part of the financial picture. SEA coordinates investment decisions with taxes, retirement income, cash flow, equity compensation, estate planning, and the other financial decisions that shape your household’s long-term outcome.
This option may be right for you if you:
- Want ongoing financial planning and investment management together
- Value proactive tax strategies and evidence-based investing
- Prefer a professional to manage your portfolio directly
Services include the following:
- Retirement income planning and distribution strategy
- Proactive, year-round tax planning and Holistiplan analysis
- Tax-loss harvesting and capital-gains management
- Roth-conversion timing and tax-bracket planning
- Asset-location strategy across household accounts
- Investment allocation and portfolio design, including DFA strategies
- Household-level coordination across spouses and accounts
- Equity-compensation planning, including RSUs and ISOs
- Estate planning coordination with your attorney
- Business owner planning, where applicable
This fee covers portfolio management in full. No separate planning subscription applies once managed assets reach $500,000 or more in managed assets (see 'Fee Offset Program' below).
| Assets Under Management | Annual Fee |
|---|---|
| $0 – $99,999 | 1.50% |
| $100,000 – $249,999 | 1.25% |
| $250,000 – $499,999 | 1.00% |
| $500,000 – $999,999 | 0.95% |
| $1,000,000 – $2,499,999 | 0.85% |
| $2,500,000 – $4,999,999 | 0.75% |
| $5,000,000 – $9,999,999 | 0.65% |
| $10,000,000 and above | Negotiable |
You do not have to move your investments to SEA to receive our financial planning. Moving your investments to SEA is not a condition of receiving financial planning. We believe you should choose how and where your investments are managed. We simply want to be transparent that the fee for a standalone planning engagement is different from the economics of a planning-plus-investment-management relationship.
You retain control over the trading of your investment accounts. SEA provides professional investment management and recommendations within the scope of our advisory relationship.
Financial Planning Only
You manage the investments. We manage the plan.
The SEA Voyager Plan is designed for clients who want comprehensive, ongoing financial planning but prefer to manage their own investment portfolio.
SEA provides the planning, analysis, recommendations, and ongoing guidance. You remain responsible for selecting, buying, selling, and managing your investments.
You do not need to move your investments to SEA to receive comprehensive financial planning. You may manage your investments yourself and add professional investment management at any time if your needs change.
Comprehensive financial planning may include:
- Retirement planning and income strategy
- Tax planning and Roth conversion analysis
- Cash-flow and spending analysis
- Social Security planning
- Insurance and risk management
- Estate planning coordination
- Business owner planning, where applicable
- Ongoing financial decision support
For Planning Only, we agree to a flat annual fee at the beginning of our work together. We provide your specific quote after our second consultation.
We review the advisory fee every 12 months. If your financial circumstances have changed, your fee may also change.
| Planning Relationship | Annual Fee |
|---|---|
| Single person | Starting at $4,800 / year ($400 / month) |
| Couple | Starting at $6,000 / year ($500 / month) |
| More complex situations | Custom quote |
Focused Advice, When You Need It
You have one question. We help you answer it.
Not everyone needs an ongoing advisory relationship. For specific planning questions or one-time projects, we offer consulting engagements tailored to your needs.
This option may be ideal if you need guidance on:
- Retirement decisions
- Business owner planning
- Tax strategy discussions
- Estate planning coordination
- Second opinions on financial decisions
You'll receive a clearly defined scope of work and fee estimate before any engagement begins.
Most projects start around $1,750. A deposit is required, with the balance due upon completion.
Start with a Complimentary Strategy Session
Schedule a free 30-minute strategy session to determine whether we're a good fit. Together, we'll identify opportunities, discuss your goals, and help you decide whether professional guidance could add value to your situation.
No pressure. No obligation. Just a conversation.
Schedule a Free 30-Minute Strategy SessionClear fees. Professional advice. Aligned interests.
SEA Financial Hawaii is committed to providing proactive service to all our clients. We strive to communicate our value not only through working diligently to help you realize your financial goals and visions, but also through administering fees that are transparent and fair.
Our firm is here to help you get your financial house in order. Everyone's situation is different, and as time marches on, it evolves through life-changing circumstances. Some clients utilize our services as long-term partners. Others engage us for shorter periods of time to develop better habits and get pointed on the right path.
As a fee-only fiduciary wealth management firm, we will never make a commission from something we recommend, and we have a duty to always put our clients' interests ahead of our own.
Fee-Only
We are compensated only by our clients—never by commissions, product sales, or referral arrangements.
Fiduciary
As a Registered Investment Adviser(RIA), we are required to act in our clients' best interest within the scope of our advisory relationship.
Transparent
Every fee on this page is published, explained, and reviewed with you before you sign an agreement.
We also believe in fair pricing in both directions. Fair to you—so the cost of great planning never feels like a barrier to getting it. And fair to SEA—so the firm can sustain itself, invest in your service, and remain here for you over the long run.
A planning relationship that is not sustainable for the advisor eventually fails the client too. Our pricing is built so that does not happen.
What Stays the Same, No Matter How You Work With Us
The service changes. TheSEAstandard never does.
- No commissions. We're fee-only.
- No hidden fees or surprise charges.
- Transparent pricing. You'll know what you're paying and what you're receiving.
- Flexible relationships. You can work with SEA as a long-term partner or for a shorter period when that's what your situation calls for.
- No long-term contracts. If we're not delivering value that's worth the cost, you're free to leave.
Thank you for considering SEA Financial Hawaii for your financial, investment, and tax planning. We don’t take your trust lightly. Our role is to help you make smart financial decisions, put your money to work with purpose, and stay focused on what matters most, so you can spend less time managing your finances and more time living your life.
Advice first. Always. SEA is built around a simple idea: you should understand what you're paying for, what we're doing for you, and why we're recommending it. Aloha!