SEA Financial Hawaii

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.

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.

08/26/2026

Financial success isn’t about finding the perfect investment. It’s about making consistent, sound financial decisions over time. 📈

Start with a plan. Focus on what you can control. Understand your options and make choices that align with what truly matters to you and your family.

Minsan, the smartest financial decision isn’t making a move—it’s knowing when to wait.

Your money. Your goals. Your choice. 💡

08/21/2026

Rolling over your 401(k) to an IRA?

Avoid the indirect rollover trap.

If your former employer writes the rollover check out to you personally, mandatory federal rules require a 20% tax withholding upfront.

That means on a $100,000 balance, you only receive $80,000. To complete the rollover and avoid severe taxes and early withdrawal penalties, you must deposit the full $100,000 within 60 days—forcing you to cover the missing $20,000 out of pocket.

The cleaner solution is a direct, trustee-to-trustee rollover so the funds transfer institution-to-institution without withholding or deadline stress. Have you ever managed a 401(k) rollover when switching jobs?

Share your thoughts below.

08/20/2026

Moving your 401(k) or TSP? Being late by just ONE day could cost you tens of thousands of dollars in penalties and taxes! ⏳💸

When you do an indirect rollover and the check is mailed directly to you, the IRS gives you exactly 60 days to deposit the full amount into your new retirement account.
- Miss that deadline by a single day, and the IRS treats the entire balance as taxable income.

- Under 59½? You get hit with standard income tax PLUS a brutal 10% early withdrawal penalty.
Life gets busy, checks get left on the counter, and deadlines get missed.

Save yourself the risk: opt for a direct institution-to-institution transfer instead so you never have to race against the 60-day clock!

💬 Have you ever done a 401(k) rollover, or are you preparing to do one soon?

Drop your questions or thoughts in the comments below!

🔄 Share this Reel with a coworker or friend changing jobs - it could save their retirement savings! 📲👇

08/19/2026

Thinking about rolling over your 401(k) or TSP before retiring? Don't make this costly mistake! 🛑👇

Leaving your federal job or civilian role comes with major financial decisions. But before you move your retirement funds, you need to know who is really on your side.

⚠️ Suitability vs. Fiduciary — What's the difference? Suitability Standard:

The recommendation just has to be "not unreasonable" for you. It doesn't have to be the best option, and the advisor isn't required to disclose the commission they make off your money.

Fiduciary Standard: A fiduciary is legally required to act in your best interest. Fee-only fiduciaries don't earn commissions, meaning advice isn't driven by product sales.

Protect your hard-earned nest egg - make sure the advice you get puts you first!

💬 Did you know about this difference?

Drop your thoughts or questions in the comments below!

08/18/2026

Are you retiring or leaving federal service in Hawaii? Rolling your TSP or 401(k) into an IRA or annuity without checking the fees could quietly cost you tens of thousands in retirement.

Before moving a single dollar, ask your advisor these 3 questions:

1️⃣ What are my current fees vs. this new plan?
2️⃣ Are there surrender charges or lock-in penalties?
3️⃣ Are you a legal fiduciary?

🌴 Part 1 of our 3-part rollover series.

Drop a comment or message us for a second opinion on your retirement strategy!

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

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