Major transitions come with pressure, complexity, and high-stakes decisions. Discover/Decide/Do is our long-term planning partnership for slowing the process down, sorting through the tradeoffs, and following through well.
What this service is designed to help you do
- Clarify your priorities before making irreversible financial moves
- Understand tradeoffs across taxes, investments, cash flow, and timing
- Build a coordinated plan that aligns with your values and responsibilities
- Follow through with disciplined implementation and ongoing adjustment
How the Discover/Decide/Do process works
Discover
- Clarify your goals, expectations, and life priorities
- Surface key transitions that matter now and in the next few years
- Gather and organize the financial information needed for sound planning
Decide
- Triage immediate and long-term priorities so the right issues get attention first
- Evaluate realistic choices and the tradeoffs each path creates
- Build an investment policy aligned with your goals, risk capacity, risk tolerance, and market stance
Do
- Coordinate execution with your other advisors (attorneys, accountants, and insurance professionals)
- Implement agreed actions and adapt as your life and markets change
- Manage investment implementation on a nondiscretionary basis, including selection, trading, rebalancing, and allocation updates
- Provide performance reporting upon request
What engagement looks like in practice
- Ongoing strategic guidance through changing life circumstances
- Collaborative decision-making when choices carry meaningful consequences
- Consistent accountability so decisions become completed action, not unfinished plans
Fee
$1,500/quarter ($6,000/year) plus:
| NET WORTH* | QUARTERLY | ANNUAL |
|---|---|---|
| First $10,000,000 | $250/$250,000 net worth* | $1,000/$250,000 net worth* |
| Over $10,000,000 | $250/$500,000 net worth* | $1,000/$500,000 net worth* |
Fee is based on your net worth* at the time of the engagement and will be adjusted at the end of three years and every three years thereafter based on the advisor’s formula at those times. This quarterly retainer is cancelable anytime without restriction. Fees are payable in arrears on a quarterly basis. For any calendar quarter in which services are provided for less than the full quarter, fees will be prorated based on the percentage of the quarter services were provided. All fees shall be deducted directly from supervised accounts or payable within twenty-one days of invoice receipt.
Net Worth includes investment assets over which you have control, such as investment accounts, 401(k)s, 403(b)s, vested stock options, etc. Additional fees may be charged for business or real estate analysis.
All fees will have Hawaii’s 4.712% general excise tax added and are negotiable.