Top Financial Advisors in Honolulu, HI

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Cadinha & Co. is a fee-only firm that works with both non-high-net-worth and high-net-worth individuals, as well as charities and businesses. Cadinha offers investment management services, which include managed allocation portfolio (MAP) and global portfolio strategies (GPS). It also provides financial planning and consulting and wrap fee programs. 

The firm imposes a wide range of different minimum annual fees for its various advisory services and programs, and clients are generally required to have at least $1 million in investable assets.

Cadinha & Co. crafts investment strategies based on the individual needs of each of its clients. Advisors at the firm meet with all new clients to first determine their investment profile. This involves compiling information on their financial situation, investment objectives, tolerance for risk and any other relevant information. 

Advisors at Cadinha use a range of investments to populate client portfolios. These include stocks, warrants, commercial paper, certificates of deposit (CDs), government securities, currencies, commodities, real estate investment trusts (REITs), exchange-traded funds (ETFs) and mutual funds. To evaluate potential investments, advisors use top-down, fundamental and technical analysis.

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The Rice Partnership is a fee-only firm with a small team of advisors on staff. The firm says it has deep roots in the islands: one of the firm’s principals, Bonnie Rice, is part of a Hawaiian ranching family that goes back four generations. There’s no minimum amount required to open an account with this firm, though the firm can choose not to work with a client if it deems their investable assets to be too low. 

The Rice Partnership’s primary focus is serving individuals. Its services available to individual investors include tax mitigation, estate planning, retirement planning and philanthropic planning. The firm also serves as a family office, with services including property and document management, higher education costs, trusts and wealth transfers and daily accounting management. In addition, the firm offers services to small and large business owners, including strategic advice regarding stock sales, liquidity needs, any mergers/acquisitions or a total business sale.

Domestic companies in growing markets that have a strong cash flow are at the core of The Rice Partnership’s long-term investment strategy. Your advisor will search for investment opportunities that will remain in your portfolio for at least a year, as the firm believes in low investment turnover.

The firm isn’t blind to global market trends, though. Based on these trends, the firm will invest in exchange-traded funds (ETFs) that are cheap and movable, in addition to investing in stocks. The firm uses ETFs to make it easier to rebalance your portfolio when necessary. Rebalancing will keep your portfolio’s asset allocations in check and in line with your risk tolerance level.

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Bankoh Advisors is the asset management branch of the Bank of Hawaii. To open an account with this fee-based firm, you will need a minimum of $100,000. The firm serves non-high-net-worth and high-net-worth individuals, as well as retirement plans, charities and businesses. Bankoh Advisors charge clients a percentage of total assets under management (AUM).

Advisors of this firm may be licensed insurance agents or broker-dealers, which means you could be offered insurance products or securities for which the advisor could earn a commission. However, the firm’s fiduciary duty legally binds it to act in your best financial interest at all times. 

This firm’s service offerings cover a wide range of financial needs. Its services include retirement planning, estate and wealth transfer planning, trust creation, tax minimization, insurance evaluation and planning, personal savings, higher-education savings, charitable giving and business succession plans.

Bankoh Advisors considers a number of factors to determine your investment plan, including your current financial situation, tax status, risk tolerance and time horizon. The firm doesn't actually offer portfolio management, so while you can receive advice on how to manage your own portfolio, the firm doesn't do it by itself.

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Mosaic Pacific is a fee-only firm that offers investment management and qualified plan services. The firm mostly provides investment management services and financial advice for taxable and non?taxable accounts for individuals, corporations, employer retirement plans, trusts, and charitable organizations. The Advisor has a minimum of $250,000 per client, however at the sole discretion of the Advisor, the minimum fee may be waived in some cases for total household assets, family, or other special situations.

In most situations, the firm charges fees based on the amount of assets under management (AUM) you have invested with it. These fees can range from 0.80% to 1.30% of the total amount. Fees charged for Planning services may be up to $250 per hour or up to $2,500 per financial plan.

The firm use various investment strategies. The first is long term purchases, which are investments purchased with the expectation of holding the position over a long period of time, typically longer than one year. Second is short term purchases, which are investments purchased with the expectation that they will be quickly sold within a short time period. Next are margin transactions, or transactions where you would borrow money to purchase a security and the underlying position is used as collateral on the loan. Finally, options are an investment that involves buying or selling a right to purchase or sell a security at a specific price for a specified time. 

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Andrews Advisory Associates holds multiple certifications, including Certified Financial Planners™ (CFPs®). This fee-only firm works with individuals, high-net-worth individuals, pension plans and profit-sharing plans.

Services the firm provides include discretionary and non-discretionary investment management services, financial planning services and retirement plan investment management services. The minimum initial investment at this firm is $250,000. However, under certain circumstances, the firm may accept clients with less than that. Advisors do not earn commissions from selling financial products to clients.

Andrews Advisory Associates creates client portfolios with an eye toward balanced asset allocation, making sure the strengths of certain asset classes cover the weaknesses of others. The firm seeks to reduce risk and improve performance by routinely revisiting asset allocation to see if rebalancing is necessary.

Andrews Advisory prioritizes risk management as a core element of its investment strategy. It typically recommends investments that are highly liquid and have large market capitalizations. The firm’s investment strategy prizes risk management, seeking to rid portfolios of any avoidable risk whenever possible. Recommendations are primarily highly liquid securities with large market capitalization. 

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Fort Street Asset Management is a fee-only firm that offers a variety of investment management services to clients. Fort Street Asset Management primarily invests client assets in US and Chinese equities through separately managed accounts. Additionally, Fort Street Asset Management will provide cash management and purchase bonds for certain clients.

The firm offers investment management services to high net worth individuals. The firm's minimum investment account balance is $250,000. At the firm's sole discretion, it may deviate from this account minimum in certain circumstances

The firm's investment philosophy is long-term and global, primarily focused on listed equities in the US and China financial markets, the world’s two biggest economies and stock markets. Its strategy is to remain invested throughout most economic cycles. We do not attempt to trade or time the markets. The investment decisions made by the firm in clients’ separately managed accounts are discretionary in nature, meaning that the firm does not require the client’s prior authorization or approval before engaging in securities trades within the accounts.

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Regency Capital Management works mainly with high-net-worth and non-high-net-worth individuals. It also works with a small number of pensions, profit-sharing plans, charitable organizations, corporations and pooled investment vehicles. Regency is a fee-only firm, so advisors won't earn commissions from selling financial products to clients. As a result, there is no potential conflict of interest. New clients will typically need at least $1 million in investable assets.

Regency Capital Management is the youngest firm on our list, as it was founded in 2021. It also became an SEC-registered investment advisor in 2021. The firm is so new, that it doesn't yet have an operational website. Regency Acquisitions LLC, a holding company owned by Neil Rose, is the owner of the firm.

Regency provides clients with investment management services, model portfolios and investment consulting services. Assets at the firm are managed on a discretionary basis.

Regency Capital Management's investment strategies are typically tailored to the needs of clients. Advisors will meet with clients to determine their financial situations and investment objectives in order to craft an effective investment strategy for each client. Upon learning about the client's situation, advisors may invest in model portfolios or individual securities. Regency has six different model portfolios. It may also provide access to ETF-centric versions of these model portfolios.

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Shiraishi Financial Group Advisors does not have a set account minimum. The firm primarily serves non-high-net-worth and high-net-worth individuals, as well as retirement plans. The firm offers services like retirement planning, income planning, tax planning, asset protection and risk management, investment planning, estate planning and educational fund planning.

Shiraishi Financial Group Advisors is a fee-based firm. As part of your client-advisor relationship, you might be offered insurance or securities that advisors could earn commissions from. Should this happen, remember that the firm is a fiduciary, meaning it must always act in your best financial interest.

Although Shiraishi Financial Group Advisors says it’s primarily focused on the long-term goals of its clients, the firm also believes in using active investment management to achieve extra growth in the short term.

Shiraishi is the only firm on this list that uses the “tactical re-allocation” strategy. This relatively rare strategy calls for your advisor to consistently move your assets in an effort to follow rapid market movements across various asset classes. The firm primarily uses stocks, bonds, cash and investment company securities. The level to which these principles are applied depends on your individual financial situation and objectives. These strategies also relate to your risk tolerance, time horizon, liquidity needs and any other personal prerequisites.

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Kahala Financial Advisors is a fee-only firm that has been doing business since 1986. The overwhelming majority of the firm’s clients are individuals, but the firm also works with one charitable organization. Kahala has a suggested account minimum of $1,000,000. For the most part, the firm will invest client assets in a mix of corporate and municipal bonds, equity, mutual funds, variable life insurance and annuities, certificates of deposit (CDs) and real estate investment trusts (REITs).

The firm’s primary offering is investment advisory services, consisting of asset allocation, investment analyses, ongoing monitoring, quarterly performance reports and rebalancing services. Additionally, the firm provides financial planning services, covering budgets, credit, income tax-reduction strategies, insurance matters, retirement planning, education planning, estate planning and investing.

Kahala doesn’t ever focus on market timing or short-term transactions, preferring instead to take a long-term, “buy and hold” approach to investing. As a starting point for client portfolios, the firm uses a collection of asset allocation models that balance risk and foster diversification. Each client can choose a model that best fits his or her risk tolerance and time horizon, and clients are free to shift their asset allocation at any point. The firm also regularly revisits its models to determine if they should be rebalanced.

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Robert Priske has been providing investment and financial planning advice since 1987. The fee-only firm has an account minimum of $500,000, but the firm maintains the right to waive this minimum at its discretion.

The firm’s clients are generally business and healthcare professionals. It works with both non-high-net-worth and high-net-worth individuals, as well as pension plans. The firm offers investment supervisory services to its clients, and it also provides financial planning advice regarding saving and budgeting, taxes, estate planning, investing and other matters specific to individual clients.

Robert Priske relies on a combination of fundamental, technical and cyclical analysis and charting for its investment analysis. The firm considers each client’s objectives, timeline and risk tolerance, then tailors its investment strategy accordingly, determining the right balance of long-term purchasing, short-term purchasing, trading and margin transactions.

The firm typically invests in some combination of equities, exchange-traded funds (ETFs), over-the-counter securities, debt securities, warrants, foreign issues, certificates of deposit (CDs), municipal securities, government securities and mutual funds. The firm will usually weight equities and funds more heavily than others.