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Portfolio Management & Investing

FEE-ONLY PLANNING BLOG

Portfolio Management & Investing

HYSA vs. Brokerage Account: Which is Better for You?

Sep 28 2025

HYSA vs. Brokerage Account: Which is Better for You?

HYSA_vs_brokerage_account

By J.R. Robinson, Financial Planner (September 2025)Checking and savings accounts at local banks, along with bank deposit sweep accounts at most brokerage firms, pay little or no interest—often just … [Read more...] about HYSA vs. Brokerage Account: Which is Better for You?

Written by J.R. Robinson, Financial Planner · Categorized: Portfolio Management & Investing

Stop the Nonsense – The Evidence in Favor of Index Fund Investing is Overwhelming.

Sep 28 2025

Stop the Nonsense – The Evidence in Favor of Index Fund Investing is Overwhelming.

evidence_for_index_funds

By J.R. Robinson, Financial Planner (June 2025)Contrary to the talking heads on CNBC, no one can predict the stock market. The oddsof your actively managed sector ETF or you or your day trading buddy … [Read more...] about Stop the Nonsense – The Evidence in Favor of Index Fund Investing is Overwhelming.

Written by J.R. Robinson, Financial Planner · Categorized: Portfolio Management & Investing

Does Automated Periodic Portfolio Rebalancing Add Value?

Jun 16 2025

Does Automated Periodic Portfolio Rebalancing Add Value?

Challenging the Conventional Wisdom in Portfolio Management By John H Robinson, Financial Planner (June 2025) Automated periodic portfolio rebalancing is widely considered a best practice among … [Read more...] about Does Automated Periodic Portfolio Rebalancing Add Value?

Written by J.R. Robinson, Financial Planner · Categorized: Portfolio Management & Investing · Tagged: Financial Planning, investing

Bitcoin Curious?

Dec 03 2024

Bitcoin Curious?

The author explains two roles he believes Bitcoin may play in consumer portfolios. I know there is still a large segment of the population that is aware that the price of Bitcoin and Ethereum have … [Read more...] about Bitcoin Curious?

Written by J.R. Robinson, Financial Planner · Categorized: Portfolio Management & Investing

Mint vs eMoney

May 21 2024

Mint vs eMoney

By J.R. Robinson, Financial Planner (May 2024) Millions of consumers who have been disenfranchised by the closure of popular personal finance app Mint.com may do well to consider migrating to … [Read more...] about Mint vs eMoney

Written by J.R. Robinson, Financial Planner · Categorized: Budgeting, Financial Planning, Fintech, In the News, PERSONAL FINANCE, Portfolio Management & Investing, Retirement Planning, Retirement Saving, Retirement Spending · Tagged: Budgeting, Credit Karma, Mint.com, Personal Capital, Personal Finance, Reddit, Retirement, Retiremetn Apps, Software

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Fee Only Planning Hawaii’s SEC Form 2A and 2B Disclosures and Privacy Policy

 

 

© 2005–2026 | Financial Planning Hawaii | Financial Planning Hawaii is an SEC-Registered Investment Adviser. The firm offers comprehensive financial planning guidance that includes ongoing discretionary and non-discretionary portfolio management guidance via a tiered, asset-based fee model described on the PRICING page of the Financial Planning Hawaii website. The firm also separately offers comprehensive financial planning reviews that do not include ongoing portfolio management for a negotiated flat fee. This service is marketed through the Fee-Only Planning Hawaii website. Fee-Only Planning Hawaii is a d/b/a name for Financial Planning Hawaii.

The Securities Exchange Commission requires all financial planners to provide certain disclosure information to prospective clients in advance and requires updated for existing clients at least annually. These disclosures include Financial Planning Hawaii's SEC Form ADV 2A & 2B, which provide a plain English description of the firm's business models and practices as well as the qualifications, experience and disclosure histories of all of FPH's registered investment adviser representatives. The SEC's disclosure requirements also require advance delivery of SEC Form CRS (Customer Relationship Summary). The purpose of this form is to provide consumers with a concise, transparent summary of the firm's services, fee schedules, and potential conflicts of interests. It also suggests important questions that all prospective clients may wish to ask before enlisting a financial planner to serve as an investment adviser. Links to Financial Planning Hawaii's SEC ADVs and Customer Relationship Summary are provided below.

Additional Disclosures

Although representatives of Financial Planning Hawaii may review client tax and legal documents, deliver tax-reporting documents, and raise awareness of potential tax and/or estate planning related mistakes or opportunities, none of this information should be construed as constituting specific tax or legal advice. All clients are encouraged to consult with their respective CPAs and/or attorneys for such guidance.

SEC Regulation S-P is a rule that requires investment advisors to protect customers' nonpublic personal information. It mandates that these institutions have policies for safeguarding data, properly disposing of consumer reports, and providing customers with privacy notices and opt-out options for information sharing. Recent amendments have enhanced these requirements by expanding data breach notification rules and service provider oversight. As part of its Compliance with this rule, FPH will only share private information with you electronically via encrypted email or secure file transfer through eMoney or Advyzon. Clients are strongly discouraged from sending personal information such as birthdates, social security numbers and account numbers to us via unsecure email.

100% of Financial Planning Hawaii's client assets under management are custodied with Charles Schwab. Except for the payment of advisory fees, all checks delivered to Financial Planning Hawaii should be made payable to Charles Schwab.

Financial Planning Hawaii personnel do not maintain separate brokerage or insurance company affiliations. As such, its financial planners are held to the SEC's fiduciary standard of care at all times.