Hawaii Financial Advisor Serving All Islands
At Occidental Asset Management, we provide fee-only wealth management services for individuals, couples, and families across the Hawaiian Islands.
Perhaps you've searched online for a financial professional using terms like "financial advisor Hawaii," "fiduciary financial advisor Honolulu," "retirement planning Hawaii," "wealth management Oahu," or "certified financial planner Hawaii."
Yet finding the right financial advisor in Hawaii involves more than keyword searches.
Living and planning for your future in Hawaii presents distinctive financial considerations:
Managing the highest cost of living in the United States while building long-term wealth
Deciding whether to retire in Hawaii or relocate to the mainland
Navigating vacation rental property income and changing regulations
Coordinating military pensions, Thrift Savings Plan (TSP) rollovers, and service member benefits
Planning across multiple states for mainland transplants with ties to both locations
Balancing the financial realities of island life with the desire to stay in paradise
If you need personalized wealth management that addresses the unique financial challenges of Hawaii living, not mainland-focused generic advice, we may be the right fit.
As an independent financial advisor serving clients throughout Hawaii, we offer fee-only, fiduciary financial planning, asset management, and retirement planning across all islands.
We take the time to understand your financial and lifestyle goals, craft a plan to help you achieve them, and provide ongoing guidance to help keep your financial strategy aligned with island life.
How Fee-Only, Fiduciary Advice Can Help
Working with a fee-only financial advisor in Hawaii helps ensure your guidance is free of commissions or product sales incentives. As fiduciary financial advisors serving clients across the islands, we are legally required to act in your best interest with every recommendation.
This distinction can matter in Hawaii, where military families, mainland transplants, and island residents can be targeted with financial products that do not account for the state's unique cost of living, tax structure, or the complexity of maintaining ties to both Hawaii and the mainland.
Our wealth management approach is designed for Hawaii clients who value transparency and objective counsel over sales-driven recommendations and proprietary products.
How We Meet with Hawaii Clients
We work with clients throughout the islands on their terms:
In Person
at our Hawaii meeting location
Virtually
from anywhere
By Phone
for ongoing conversations
Wealth Management Services in Hawaii
As a Registered Investment Advisor serving Hawaii residents statewide, we provide services tailored to the realities of island life.
Whether you need asset management in Honolulu or retirement planning on Maui, we offer:
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Comprehensive financial planning with particular attention to Hawaii's cost-of-living realities.
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Evidence-based portfolio management to help you navigate market cycles while building long-term wealth.
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Retirement planning for Hawaii residents to help you achieve your vision for this next life chapter.
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Guidance to optimize outcomes within Hawaii's tax framework, as well as multi-state considerations for mainland transplants or military families.
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Disciplined wealth-building strategies through saving and investing designed around your long-term financial goals and retirement vision.
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Strategic protection planning, including insurance analysis and preparation for Hawaii-specific concerns like hurricanes, tsunamis, and natural disasters.
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Asset transfer strategies for Hawaii residents, including coordination across multiple states for those with mainland connections and family.
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Understanding your relationship with money and how emotions influence financial decisions.
Why Hawaii Clients Often Choose Our Practice
Clients across the islands may select our firm because we provide:
Fee-only, fiduciary advice with your best interests as our priority
Hawaii-specific planning that recognizes the unique cost of living and lifestyle considerations
Military expertise for service members and retirees navigating benefits and transitions
Multi-state coordination for mainland transplants managing properties and ties in multiple locations
Vacation rental property guidance as regulations and markets evolve
Straightforward communication and ongoing engagement
Common Questions from Our Hawaii Clients
We build customized strategies based on your individual circumstances and priorities. Clients often come to us with questions like:
I'm retiring from the military, and I'm worried about affording Hawaii on my pension and Social Security. How do I evaluate whether this is financially realistic?
We own a vacation rental property, but regulations keep changing. How should we plan for potential income loss or decide whether to sell?
I relocated to Hawaii for work. How do I balance enjoying life here with saving adequately for retirement?
We're considering moving back to the mainland to be closer to family and reduce expenses. How do we handle the financial transition tax-efficiently?
Comprehensive Financial Expertise, Including Behavioral Finance
Hawaii residents seeking comprehensive wealth management may choose our practice for our specialized expertise in financial psychology and behavioral finance. Dr. Brad Klontz, our Co-founder and Managing Principal, is a CERTIFIED FINANCIAL PLANNER® professional and clinical psychologist whose research has shaped the understanding of how emotions and beliefs drive financial behavior.
Dr. Klontz created Money Scripts®, a research-based approach to identifying the unconscious beliefs that influence how we handle money. For clients who are interested, we help you understand the why behind your financial choices so you can see which beliefs support your financial well-being and which may be holding you back.
This perspective can be especially valuable for Hawaii residents navigating emotionally complex decisions, whether that's managing the psychological weight of the high cost of living or working through difficult transitions like military retirement or potential mainland relocation.
Our firm serves clients throughout the Hawaiian Islands, including:
Oahu (Kahala, Hawaii Kai, Kailua, and throughout Honolulu and the island)
Maui (Wailea, Kapalua, Kihei, and throughout the Valley Isle)
Big Island (Kona Coast, Kohala Coast, Waimea, and throughout Hawaii Island)
Kauai (Princeville, Poipu, Hanalei, and throughout the Garden Isle)
Whether you're searching for a personal financial advisor in Honolulu, a fiduciary financial advisor on Maui, retirement planning on the Big Island, or fee-only wealth management in Kauai, we provide comprehensive financial planning and investment advisory services to clients across all islands.
Communities We Serve Across Hawaii
Contact Our Hawaii Office
2975 Haleko Road, Suite 307
Lihue, HI 96766
(808) 445-9510
Our Advisors Serving Our Hawaii Office
Schedule a Call with a Hawaii Financial Advisor
Ready to gain clarity on your financial future in Hawaii? Take the first step toward a personalized strategy that addresses the unique realities of island living. Schedule a call with a financial advisor serving Hawaii today.