Retire in Hawaii with Confidence
Fee-only fiduciary retirement planning for Hawaii families with $1M–$5M, retiring within five years
Book an Intro Call
Fee-only fiduciary retirement planning for Hawaii families with $1M–$5M, retiring within five years
Book an Intro CallRetiring well takes more than a portfolio. I help you coordinate every piece of your financial life into a single plan — so nothing falls through the cracks in the five years before retirement or the thirty years after.
Built by a CFP® specializing in retirement income planning, this assessment helps you determine whether you’re on track to retire within the next five years.
Build a low-cost, diversified portfolio designed around your retirement income needs
Right-size your investment risk so market swings don't derail your plan
Establish a clear investment strategy and target asset allocation you can stick with
Coordinate investments across taxable, tax-deferred, and Roth accounts for tax efficiency
Rebalance on a disciplined schedule to manage risk as markets move
Monitor performance and keep your portfolio aligned with your plan
Evaluate rental property and other real estate opportunities
Review every policy you own: life, disability, health, home, auto, and long-term care. I don't sell insurance or earn commissions, so my only incentive is recommending what's truly best for you
Ensure your will, trust, and powers of attorney reflect your current wishes, or help you put them in place for the first time
Think through the big decisions together: executors, trustees, guardians, trust provisions for children, and estate taxes
Connect you with vetted estate attorneys and insurance specialists when deeper expertise is needed
Decide when to claim Social Security — and coordinate spousal benefits — to maximize your lifetime income
Time Medicare enrollment correctly so you avoid late-enrollment penalties and coverage gaps
Manage your retirement income to reduce IRMAA surcharges on your Medicare premiums
Coordinate Social Security timing with withdrawals and Roth conversions so your benefits aren't taxed more than necessary
Bridge health insurance coverage if you retire before age 65
Model your claiming options side by side so you see the dollar impact of each choice before you decide
Look for opportunities to reduce your lifetime tax bill, not just this year's
Work alongside your CPA so tax planning and tax filing stay in sync
Sequence withdrawals, Roth conversions, and Social Security timing to keep you in lower tax brackets
Make full use of tax-advantaged accounts such as IRAs, Roth IRAs, HSAs, and small-business retirement plans
I am a Fee-Only Fiduciary and Founder of Masuda Lehrman Wealth LLC, serving clients locally in Honolulu, Hawaii and virtually nationwide.
Prior to starting my own firm, I was a Vice President Financial Consultant at Charles Schwab in their Downtown Honolulu office. I have worked in financial planning for 10 years at Vanguard, Fidelity, and Schwab.
I'm a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) with an Economics degree from the University of Michigan.
Financial planning & investment management services for retirement and inherited wealth
