SEA Financial Hawaii

Call Directions Website

SEA Financial Hawaii Fee-Only Financial Planning | Business Owners & Families 24 years of serving kamaaina as a trusted advisor and fiduciary. Protection Planning, 2. Estate Planning.

We believe the most important part of financial planning is 'life planning'. We provide comprehensive financial planning services designed to address all your most pressing questions. Our proven 'SEA Principles' of planning include: 1. Investment Management, 3. Retirement Planning, 4. Tax Planning, and 5. For us, being a fiduciary is not just a legal requirement, it's our ethical responsibility. It comes down to always doing the right thing for our clients. Let's schedule a brief, no-cost/no-obligation consultation. Together, we'll find out if we're a good fit for . We look forward to learning more about you and your unique situation.

10/11/2026

Where will your retirement income come from?

For many retirees, it may not be just one source. Social Security, pensions, 401(k)s, IRAs, TSPs, 403(b)s, taxable accounts, rental property, or even part-time work can all play a role.

The key is understanding how all those pieces work together.

Your retirement plan isn’t simply about asking, “When should I take Social Security?”

A better question is:

“How does Social Security fit into my overall retirement income plan?"

Think of your retirement income as a map—not a single destination. The right strategy can help you see how different income sources may work together to support your essential expenses, lifestyle, travel, and larger purchases.

👉 Watch the full video to learn more about building your Retirement Income Map.
https://www.youtube.com/watch?v=sWF5mwh362A

10/10/2026

Retirement doesn’t always go according to plan. Inflation, market volatility, rising healthcare costs, living longer than expected, a vacant rental property, long-term care needs, or an unexpected loss can all change the picture.

The goal isn’t to create a retirement plan that only works when everything goes perfectly. It’s to build a plan that can adapt when life doesn’t go perfectly.

A strong contingency plan may include maintaining cash reserves, diversifying investments, having a flexible spending strategy, adequate insurance, and knowing when to adjust your plans.

The question is: What would you do if something unexpected disrupted your retirement plan?

🎥 Watch the full video here:
https://www.youtube.com/watch?v=sWF5mwh362A

10/10/2026

Think you’ll automatically spend less when you retire?

Not necessarily.

The popular “70% of your pre-retirement income” rule is only an average. Your spending can change significantly throughout retirement.

In your go-go years, you may spend more on travel and experiences. Later, spending may slow down—but healthcare costs can rise, while expenses like helping family and home repairs can still add up.

So instead of asking:

How much money do I have?

Ask the better question:

How much income will the life I actually want to live require?”

Your retirement plan should be built around the life you want—not just a percentage.

🎥 Watch the full video here:
Watch the Full Video on YouTube https://www.youtube.com/watch?v=sWF5mwh362A

10/09/2026

Retirement isn’t simply about reaching a number or having a certain amount in your investment account.

The bigger question is: What does retirement actually mean to you?

Maybe it means traveling more. Spending time with your children and grandchildren. Playing more golf. Going fishing. Helping your kids. Or simply staying in the home you’ve loved for decades and having Sunday dinner with your family.

Your retirement lifestyle determines what you’ll need to plan for—and ultimately, what retirement may cost.

That’s why retirement planning should begin with your lifestyle, your priorities, and the life you want to live, not just your portfolio.

🎥 Watch the full video to explore what your retirement could look like.

https://www.youtube.com/watch?v=sWF5mwh362A

10/08/2026

If you're within five years of retirement, there’s a question you’ve probably asked yourself more than once:

Can I actually afford to retire?🤔

Retirement isn’t always just about how much money you have. It’s about understanding whether your income, spending, and financial plans can support the lifestyle you want throughout retirement.

A strong retirement plan looks at four important areas:

✅ Your spending plan
✅ Your retirement income plan
✅ Your contingency plan
✅ Your overall retirement cash flow

Whether you have substantial assets or you're still wondering if you have enough, the right planning can help give you greater clarity and confidence about your next chapter.

So… are you actually ready to retire?

👉 Watch the full video to learn more:
[Watch the Full Video on YouTube](https://www.youtube.com/watch?v=sWF5mwh362A&utm_source=chatgpt.com)

09/19/2026

Think a Roth conversion is a "set it and forget it" move? Think again.

Every Roth conversion comes with its own 5-year holding rule. Pulling funds out before that clock runs out can trigger unexpected taxes and early withdrawal penalties depending on your age and withdrawal type.

A conversion isn’t just a quick transaction—it requires an ongoing plan and proactive follow-through.

Need help charting your retirement voyage? Connect with the team at Sea Financial Hawaii. Join our waitlist today through the link in our bio to plan your full financial future.

09/16/2026

Stop guessing when to do a Roth conversion. The golden rule is simple: consider a conversion only when it moves future forced taxable income into a lower tax environment today.

In this video, we break down the definitive benchmark for Roth conversions using a real-world case study of a retired couple in their early 60s with $4 million in savings and a pension. Discover why a smart retirement strategy isn't about converting as much as possible, but rather about strategic timing—like delaying Social Security to age 70 and funding living expenses from taxable accounts to bridge the gap.

Watch to learn how to shrink your future forced distributions without getting crushed by unnecessary taxes today!

09/16/2026

Unlock the unique power of the Thrift Savings Plan! 🚀 Discover why the TSP offers distinct advantages—like the exclusive G Fund and unmatched federal protections—that you simply cannot get by rolling your funds into a traditional IRA.

09/15/2026

Sometimes, the best financial move isn't making a move at all. When considering what to do with a retirement account like a 401(k) or TSP, leaving your money right where it is can often be the most balanced and sensible choice. A true fiduciary’s priority isn't shifting funds around—it's helping you figure out what strategy actually serves your best interest.

09/14/2026

Thinking about rolling over your old 401(k) or TSP? You might want to hit pause. For many people, the absolute best financial move isn't making a move at all—it's leaving your money right where it is.

As a fiduciary, my job isn’t to move your money; it’s to help you make the best decision for your unique situation. Tune in as we break down why sticking with plans like the Thrift Savings Plan (TSP) can sometimes be the smartest strategy in your corner.

Address

1650 Ala Moana Boulevard
Honolulu, HI
96815

Opening Hours

Monday 9:30am - 5:30pm
Tuesday 9:15am - 7:15pm
Wednesday 9:15am - 7:15pm
Thursday 9:15am - 7:15pm
Friday 9:30am - 3:30pm
Saturday 10am - 2pm

Telephone

+18085321516

Website

Alerts

Be the first to know and let us send you an email when SEA Financial Hawaii posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share