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Fiduciary advisors in Hawaii.

Browse 1 verified fee-only fiduciary advisor in Hawaii. Every one has earned the Orange Check badge.

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Martin Wheeler

Sea Financial Hawaii

Honolulu, HI

About fiduciary advisors in Hawaii

Hawaii's geographic isolation and high cost of living create financial planning challenges that are distinct from the continental U.S.: real estate equity management, state income tax at some of the highest rates in the nation, and retirement planning for public employees under the Employees' Retirement System of the State of Hawaii all require specific expertise. Every advisor verified by Fiduciary Check in Hawaii has been confirmed against SEC IAPD and FINRA records with no material disclosure events.

The Hawaii Department of Commerce and Consumer Affairs (DCCA) oversees investment adviser registration for advisers with a limited client base in the state. Advisers managing larger amounts typically register with the SEC. Both carry the same fiduciary duty to their clients.

Hawaii's relative geographic isolation means that many residents use advisors based on the mainland, often via virtual meetings. When working remotely with any advisor, confirm their RIA registration covers Hawaii clients by checking their Form ADV Part 1 on SEC IAPD, which lists each state where the adviser is registered to do business.

Common questions

Fiduciary advisors in Hawaii: frequently asked questions

What is the difference between a fiduciary and a broker in Hawaii?
In Hawaii, a Registered Investment Adviser or Investment Adviser Representative is a fiduciary: legally required to put your financial interests first and disclose all conflicts. A FINRA-registered broker follows Regulation Best Interest, a lower standard that permits recommending products that pay higher commissions. The Hawaii Department of Commerce and Consumer Affairs (DCCA) oversees state-registered investment advisers.
How do I verify a financial advisor in Hawaii?
Search at adviserinfo.sec.gov (SEC IAPD) and brokercheck.finra.org (FINRA BrokerCheck). For state-registered advisers, also check the Hawaii DCCA Securities Enforcement Branch at cca.hawaii.gov/sec. Both the SEC IAPD and FINRA BrokerCheck are free and show registration status, employment history, and any disclosure events.
Are there fiduciary advisors in Honolulu who specialize in public employees?
Yes. Hawaii has a large public sector workforce, and a subset of fee-only advisors in Honolulu specialize in the Hawaii Employees' Retirement System (ERS), public school teacher benefits, and the intersection of state pension income with Social Security and private savings. Use the Fiduciary Check directory filtered to Hawaii to find verified advisors.
How should Hawaii homeowners think about real estate in their financial plan?
Hawaii real estate values are among the highest in the nation. Many Hawaii residents hold significant concentrated equity in their primary residence. A fiduciary advisor will model home equity as part of your total net worth, address capital gains tax planning for a potential sale, and help you decide how much of your wealth should stay concentrated in real property versus diversified financial assets.