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SEA® If You're a Fit

Fees & Pricing

WE PRIORITIZE ADVICE, NOT PRODUCTS.

We believe financial advice and investment management should be accessible, regardless of where you are in your journey. Whether you’re a young family looking for direction or approaching retirement and refining your plan, we tailor our services to your specific needs. It simply dependents on your needs and the level of complexity. 

We provide transparent Fee-Only advice — never any commissions or hidden fees, ever! At SEA Financial Hawaii, our costs are structured based on several factors. First, they depend on your investable assets. Second, they reflect the level of work required to deliver exceptional service. Ultimately, your unique circumstances determine the fees you pay, as we recognize that every client’s needs are different. We believe financial planning should cover every aspect of your life, not just your investments. 

At SEA Financial Hawaii, we keep things simple with three (3) cost options. You can choose the approach that works best for your needs—always with no hidden costs or surprises.

OPTION I: SEA Launch Plan (Financial Goal Consulting)

Our SEA Launch Plan is a basic financial plan that includes all the elements discussed in the Financial Planning page. We gather and review everything related to your financial life, including the development of a personalized financial plan. We then work together to customize your plan over 5–7 virtual meetings (based on the complexity of your financial situation), typically over the course of the first one hundred (100) days of our engagement.

This option is a good fit if:

  • You prefer to keep managing your own investments.

  • Your assets are held in accounts that can’t be transferred (i.e. such as a 401k).

  • You don’t (yet!) have $250,000 in investable assets.

Our recommended account minimum is $100,000 or more in AUM, or $150k+ household income (exceptions may be made in discussion with us). We offer three service models tailored to your situation. Our process typically begins with a one-time planning fee ranging from $1,750 to $5,000 to establish a strong foundation.

Ongoing guidance is then structured based on complexity and need—starting at $175 per month for individuals, $250 for couples, and up to $500 per month for business owners—providing consistent support, accountability, and proactive planning throughout the year. Note: Fees may be higher based on increased case complexity (as outlined in our disclosure brochures).

Our planning relationships are generally structured as either a retainer or an annual fee, with the option to spread payments monthly to help with cash flow. For many clients, fees can be billed directly from investment or retirement accounts on a quarterly basis, though we also offer payment via credit/debit card or ACH. During our initial consultation, we’ll determine together which approach is the best fit for you.

OPTION II: SEA Explorer Plan (Comprehensive Financial Planning and Investment Management)

Our compensation is a percentage of the assets we manage, aligning our success with yours. We provide investment management for a median 1%-of-managed-assets fee (0.50% to 1.50% annually). Our recommended account minimum is $250,000 or more in AUM, or $200k+ household income. *Fees are based on your total portfolio size, as outlined below:

This option is right for you if:

  • You’re looking for both financial planning guidance and professional investment management.

  • You have at least $250,000 in investable assets (such as old 401(k)s, IRAs, or brokerage accounts).

Services consist of the SEA Launch Plan Services listed above, plus two or more financial planning topics, such as retirement income planning, tax reduction strategies, asset allocation analysis, and estate planning.

*Managed Account Fee Schedule (based on combined total portfolio size within a household):

  • <$99,999 = 1.50%
  • $100,000-$249,999 = 1.25%
  • $250,000-$499,999 = 1.0%
  • $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%
  • Over $10,000,000 is negotiable; depending on related services rendered.

Our SEA "Fee Offset" Program
Clients with $500,000+ in investable assets (AUM) will have their initial planning fee plus the monthly advisory fees waived; offset by investment management (AUM) fees. This ensures greater value and alignment with your financial goals. Because the SEA Master Plan is structured to serve more complex cases, unlimited email support for financial topics is provided. 

OPTION III: SEA Voyager Plan (Business Consulting Services)
In select cases, we offer one-time, planning-only engagements focused on consulting for advanced financial topics, including philanthropy, legacy planning, business succession, and to those who could benefit from financial planning advice as they prepare for retirement. Such engagements are limited in scope and duration, and are entered into with good intentions to use our investment management services. Fees are aligned with the scope and complexity of your planning needs.

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

*Annual Financial Reviews
We ask our clients to commit to at least one year of ongoing support and at least the first annual review. Most of our clients stay with us much longer. Our reviews represents an opportunity to reassess your investment and financial situation, while also thinking about future milestones and moments that matter for the people you care about the most. We believe that financial planning is an evolving process, not a one-time event.