Fees & Pricing

Fee-only · Fiduciary · Transparent

Price is what you pay, value is what you get. -Warren Buffett

Simple Pricing. Personalized Advice. Your financial life is unique. Your advisory relationship should be too. At SEA Financial Hawaii, we offer three flexible service options designed to meet you where you are today—and grow with you over time. We believe in complete transparency. You'll always know what you're paying, what you're receiving, and how we can help.

Most client relationships begin with a one-time onboarding fee, allowing us to thoroughly evaluate your financial situation and develop a personalized strategy aligned with your goals, values, and priorities.

No commissions. No hidden fees. No product sales. Just objective advice designed around what's best for you and your family.

Option I: SEA Launch Plan
Financial Planning + Ongoing Advice
Designed for individuals, families, and business owners who want professional financial guidance while maintaining control of their own investment accounts.

This may be a good fit if you:

Prefer to manage your own investments
Have assets tied up in your business or retirement plans such as a 401(k)
Have less than $250,000 in investable assets
Want a trusted advisor to help coordinate important financial decisions

Your annual advisory relationship includes:

Comprehensive financial planning
Ongoing investment guidance
Retirement planning
Tax-planning coordination
Regular reviews and recommendations
A personalized Investment Policy Statement (IPS)

There is no minimum asset requirement. Advisory fees begin at:

$250/month (Individual)
$375/month (Couple)
$500/month (Business Owner)

A one-time onboarding fee may apply. Fees may vary based on complexity.

Option II: SEA Explorer Plan
Financial Planning + Professional Investment Management
A fully integrated relationship combining financial planning, tax-aware strategies, and professional portfolio management under one annual fee.

This option may be right for you if you:

Want ongoing financial planning and investment management
Value proactive tax strategies and evidence-based investing
Have $250,000 or more in investable assets
Prefer a professional to manage your portfolio

Services include everything in the SEA Launch Plan, plus advanced planning in areas such as:

Retirement income planning
Tax-efficient strategies
Investment allocation and portfolio design
Estate planning coordination
Business owner planning

Our fee is based on the assets we manage and is designed to align our success with yours.

SEA Fee Offset Program

Clients with $500,000 or more in managed assets have their onboarding fee and monthly planning fees waived. One integrated relationship. One streamlined fee.

Option III: SEA Voyager Plan
Hourly or Project-Based Consulting
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.

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.