Financial Planning Hawaii offers highly personalized holistic planning guidance. Clients are generally individuals, families, retirees, and small businesses.
Areas of expertise include retirement planning, retirement income sustainability, education planning, insurance planning and risk management, and emergency planning and disaster preparedness. We compete based upon service, expertise, experience and price. Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA / SIPC. Advisory Services offered through J.W. Cole Advisors, Inc. (JWCA). (Financial Planning Hawaii) and JWC/ JWCA are unaffiliated entities.
05/18/2023
JR's Commentary Featured in U.S. News and Smart Asset
J.R.'s Commentary Featured in U.S. News and Smart Asset | Financial Planning Hawaii Financial Planning Hawaii's founder opines in U.S. News article on utility stocks for passive dividend income. His retirement spending research was cited in Smart Asset.
02/16/2023
What might the potential economic fallout be if the U.S. Treasury were to default on its debt? To borrow a line from Dr. Egon Spengler in the 1980s classic, Ghost Busters, “It would be bad.”
What if the U.S. Treasury Defaults? | Fee-Only Planning Hawaii A Financial Planning Hawaii essay on the likelihood and ramifications of a default on U.S. Treasury securities.
02/16/2023
Whose side are they on? This article raises awareness of how the Genworth LTC class action settlements may be more aligned with Genworth's interests than consumers'.
Are Genworth LTC class action settlements bad for consumers This article raises consumer awareness that Genworth LTC settlement offers may not be in their best interests.
02/16/2023
2022 produced a slew of tax law updates and changes. The SECURE Act 2.0, which was signed into law at the end of 2022, contains a wide-ranging list of provisions that impact a large swath of American taxpayers. This article features Financial Planning Hawaii's list of the 15+ provisions that are likely to impact many of our clients.
Key Provisions of SECURE Act 2.0 | Financial Planning Hawaii Blog This article contains a curated list of the most impactful provisions of SECURE Act 2.0
02/15/2023
Timely Tax Season Tidbits from Financial Planning Hawaii and J.R.'s favorite 2023 Tax Planning "Cheat Sheets"
Timely Tax Season Tidbits & 2023 Cheat Sheets | FPH Blog Financial Planning Hawaii 1099 Status Updates, New RMD Rules, deadlines, IRA contribution limits, and J.R.'s favorite 2023 Tax Planning "Cheat Sheets."
02/14/2023
2022 was helpful in eradicating speculative excesses from the stock market and in refocusing investors on sound business fundamentals and earnings. For investors who avoided the carnage caused by owning bond mutual funds, rising interest rates are actually a welcome sight. At long last, interest income from bonds and cash can contribute to portfolio returns again! The ability to generate sufficient passive portfolio income from interest and dividends that one need not ever spend down principal may be considered the Holy Grail of retirement investing, and we are not too far from that today. READ MORE at - https://www.fphawaii.com/blog-01/irreverant-state-investment-world-address
2022 State of the Investment World Address | Fee-Only Hawaii Financial Planning Hawaii founder J.R. Robinson suggests that 2022 was cathartic for the markets and that retirement investing is now getting easier.
12/18/2022
The FTX debacle serves as a powerful lesson to individual investors about the dangers of following the so-called "Smart Money." For further details, read my latest Financial Planning Hawaii blog post -
https://www.fphawaii.com/blog-01/exhibit-why-i-dont-pay-much-attention-what-smart-money-doing
12/12/2022
How to Invest in Bonds and CDs Now That Interest Rates Have Risen
How to Invest in Bonds Now | Financial Planning Hawaii Blog Clear, unambiguous guidance about what types of bonds to buy and how to ladder maturities in the current rising interest rate environment.
12/11/2022
Did you know that you can lose money purchasing savings bonds through the TreasuryDirect website? In a recent post to the Financial Planning Hawaii blog, my personal experience in purchasing Series I savings bonds serves as a cautionary tale. Read the full story at https://www.fphawaii.com/blog-01/two-ways-you-can-lose-money-buying-savings-bonds
09/13/2022
Many workers stop contributing to their 401(k) plans when the stock market goes down. If you are behind in saving for retirement, you should look at downturns as opportunities to catch up!
Let's hope the stock market goes down | Retirement Saving Severe, long-lasting downturns in the stock market may represent a golden opportunity for people who are behind in saving for retirement to catch up.
09/13/2022
The Power of Negative Thinking
Let's hope the stock market goes down | Retirement Saving Severe, long-lasting downturns in the stock market may represent a golden opportunity for people who are behind in saving for retirement to catch up.
08/04/2022
Age-based 529 investors find shifting to bonds as college approaches not as conservative as advertised https://bit.ly/3Qne8kF #529
Financial Planning Hawaii In the News | Honolulu RIA John Robinson is a recognized financial planning industry thought leader. His commentary is regularly featured in the national financial news media.