SEA Investment Management
As a Fiduciary, the Better You Do, the Better We Do.
Our Integrated Approach
At SEA Financial Hawaii, we deliver both financial planning and portfolio management under one roof. This coordinated, in-house approach allows us to align your investment strategy with your broader financial goals—helping you pursue long-term success while carefully managing risk along the way.
“Successful investing is about managing risk, not avoiding it.” —Benjamin Graham
Strategic Diversification
At SEA Financial Hawaii, we believe that true diversification goes beyond simply spreading assets across different investments. It means building a strategy that balances risk and return across asset classes, tax treatments, account types, and time horizons. By taking a holistic view of your financial picture, we aim to reduce unnecessary risk while positioning your portfolio for long-term growth and resilience—no matter what the market brings.
Successful investing isn’t about chasing the next hot thing—it’s about aligning your money with your life, your goals, and your long-term plan.
FAQs
Is There a Minimum Investment Requirement?
We believe financial advice and investment management should be accessible, regardless of where you are in your financial journey. At the same time, we’re committed to delivering value that meaningfully exceeds the advisory fees our clients pay.
Because of that, our business model is built around long-term relationships where we can provide thoughtful, ongoing guidance and personalized service in a sustainable way. While asset level is not the only factor, having sufficient investable assets helps ensure we can dedicate the time, attention, and resources needed to serve clients at the high level they deserve.
Our recommended minimum for investment management relationships is generally $100,000 in investable assets. However, many of our clients have $250,000 or more, particularly business owners, professionals, and families seeking comprehensive planning and fiduciary guidance.
We also proudly work with younger professionals who may be earlier in their financial journey but have strong incomes, ambitious goals, and a genuine commitment to building long-term financial success. If you’re serious about your financial future and value personalized advice, SEA Financial Hawaii is here to help guide the way.
How Much Do You Charge?
At SEA Financial Hawaii, we believe in full transparency—so you’ll always know exactly what you’re paying and the value you’re receiving in return. Our process typically begins with a one-time initial planning fee, tailored to the complexity of your unique situation and financial goals. For clients with more than $500,000 in assets under management (AUM), we provide comprehensive investment management and fiduciary planning services at a median annual advisory fee of approximately 0.95%, billed monthly. For clients with less than $500,000 in AUM, we offer personalized planning and investment guidance through a retainer-style model (monthly advisory fee), combined with a median investment management fee of approximately 1%.
Our philosophy is simple: we believe advice should be aligned, transparent, and relationship-driven. When our clients succeed, we succeed. For more details about our fee structure and what’s included, please click here.
How Do I Open an Account?
Our experienced client service team will guide you through the entire account opening and onboarding process, handling the details every step of the way.
The process typically begins after we’ve completed an initial financial planning consultation, determined we’re a good fit for one another, and agreed on a personalized strategy tailored to your goals and circumstances.
If our “white glove” approach aligns with what you’re looking for, we’d be happy to connect and discuss your needs. Call us at (725) FEE-ONLY (725-333-6659) or (808) 216-4147.
“The stock market is a device for transferring money from the impatient to the patient.” —Warren Buffett